My husband Jason and I are a working married couple in Oregon, parents of two very young children, and also currently auto loan customers of Westlake Financial. Our complaint about Westlake has to do with both us and some of our family and friends who were references on our loan application.
We purchased a 1992 Honda Accord from Gresham Chrysler Jeep in Gresham, Oregon, several months ago, and our loan was processed through none other than Westlake Financial due to the fact that I myself have an auto repossession on my record from last September, on top of various other bad credit choices made by the both of us. We also owe child support to the state of Oregon due to the fact that the state has current wardship over our kids, and that is currently being deducted from our miniscule paychecks. This whole mess started when we fell just 2 weeks behind on our first payment, for which they charged nearly a $20 late fee as a result and they initially threatened to repossess the car.
That first payment, including the late fee, was made via money gram over the phone (they do not accept credit/debit cards, just check, money gram, or Quick Collect), and all was well after that for a short while. We made the next two payments almost on time, but around about when the fourth payment was due is when the trouble began. This is when they began to make all sorts of threats to our disabled roommate involving both him and us.
These threats included, but were not limited to, bank repossession, police repossession, taking us to small claims court, and arrest for concealing. These calls to our roommate went on for a couple of months, and then some of our family and friends, located from here in Hillsboro to Jason's disabled mother and her elderly mother to as far as Vancouver, Washington to a disabled woman there, began reporting to us that WFS was calling them. At first, to our family and friends, the reps that called them seemed nice and willing to work with them, but all that would change as of last week.
Toward the end of last week Jason's mother and our sister-in-law received some calls from WFS, after which our sister-in-law had asked several different people from WFS during the week not to call either of them. By law, they should've stopped calling otherwise it would be considered harrassment, but last Friday the calls came in once again. So our sister-in-law sent an e-mail to a supervisor, once again asking for the calls to stop or else they would be reported to the FTC and the Oregon state police...so far they have not stopped.
This morning, 8/31/04, as I was working my husband and roommate received about 75 calls from WFS within one or two hours, beginning at 7:00 AM PDT. One rep from WFS went so far as to begin using vulgar names toward our roommate, and another tried pretending she was speaking accusatorily about us to a nonexistent police officer. So Jason and our roommate called the FTC to file a complaint, and according to the FTC, there are 15 counts of harrassment against WFS regarding our case.
Our roommate also contacted a lawyer based in Colorado who is handling several cases against WFS, and this lawyer said he would call WFS to ask them to leave us alone as we are now witnesses to the case and that our car is now a "witness" as well under the witness protection program. These people have gone way too far and need to be dealt with accordingly and promptly. My view of them is that they are nothing but obnoxious insects that should be put out of our misery.