Mariner Finance Unnecessary Tactics, Unethical Toms River, New Jersey

I was forced into a relationship with Mariner when the previous company folded. The problems began with the new staff they brought it....just nasty and obviously miserable in their jobs! I could immediately sense a shift in how they were going to do "business". With the other company, if I was late on a payment, I simply paid a late fee. I would never hear from them or be harassed. Well, with Mariner I became behind one payment (admittedly MY fault, not theirs), but they contacted people on my reference list about the debt, even though I had been in touch with them. Unnecessary and unethical since I was not ignoring them. I made the mistake of authorizing a few advance payments with my checking account. They "record" the conversation and authorization for date (s) of withdrawal. You would think you are safe and it covers you from them continually drafting your account. Well that was not the case with me. At least one "extra" payment was debited from my account without my authorization. The bank said it would be hard to fight because there was a "prior agreement" for automatic debit. Trust me, they know what they are doing and are sharks.  DO NOT EVER AGREE TO AUTOMATIC DEBIT WITH THEM. Despite any payment arrangement, they still continually call. They don't communicate within the office so you can settle things with one representative, only to have another one call you later that day, or the next day, telling you that you owe them. What a nightmare. I can't wait for this to be paid off. I am reporting them to the Federal Trade Commission. Hopefully their doors will close!!!!!!