I temporarily misplaced my loan agreement and submitted an email to WFS inquiring what my percentage rate is because after paying on the car for almost two years, my balance only went down 3k dollars (I'd paid over 5k into it). No answer to my emails. I finally called them and one rep said it was 9.9% but put me through to someone else who said it was 11.9 and when I was shocked at that high of a rate I was put thru to someone else who said it was 13.9.
I couldn't believe it...and I owe on the car for 5 more years...at this point I owe several thousand more than it's worth. I told them to come pick up the car. They said a manager would call within the week. A month later (after no payment received) Barbara calls and harasses my husband and tells him she knows our reason (principal of the whole thing) is not the REAL reason and we must be in a financial mess. She's rude, demeaning and wouldn't let my husband speak. This happened several times over the next month.
I finally took the last call and talked w/ Jason who was very friendly and he agreed that he'd send someone on "Monday" to get the vehicle and reiterated what Barbara said "clean the car and leave the keys in it". That was a month ago. They both insisted also that I must have damaged the car otherwise I wouldn't be giving it back based on just principal alone. Not so, the car is in mint condition.
One thing I find very odd is them stressing that I should leave the keys in the car so the tow guy can get into it. Yea, and anyone else who wants to get in and drive off. I'm not leaving keys in the car...and I'd think I'd need to sign some paperwork or something otherwise any tow company can come and get it and say that they didn't get it. Free car for them to chop. I haven't made a payment since July 10. For over 2 months they've said they'd come and get it and haven't. I saw on my caller ID today that I missed a call from them...they didn't leave a message.
Also, they did the insurance fraud thing to me too...sent me a notice saying that I didn't have insurance and that they're going to provide it at a cost to me if I don't show verification in a specified time. I did and they didn't.
Another thing, I've always paid more than the minimum due and always had it come directly out of my account each month thru Bill Pay...Barbara sneered and said I've been late on payment every single month. When we told her to recheck her records she said she couldn't but she's pretty sure that I was always late.
Jason says this type of behavior from her isn't allowed by WFS and that she would be reported. Oddly, I didn't remember her name but when I described how rude she was, he knew who she was and confirmed it further when I said she sounded androgonic.