Drive Financial Services harrassment Dallas Texas

I must say, this string of comment's in rather entertaining.

First, let me share my story. I got divorced in 1/00. My ex decided to ruin my credit by not paying the car payments the judge ordered. My car ( I downsized to avoid car payments) eventually took a pooper in Febuary of 2001. At this time, I was faced with buying another cheap car or buying something newer. I had just started (6 months prior) a new position at a software firm and was making good money. I took the plunge and financed the car. At the time, Drive was the only one who would finance me at 24.9%. I bit the bullet. I setup ACH payments and NEVER had a problem with drive from 2/01 through this past summer. Drive put in a new software system in July. During their conversion, they claim to have converted the bank account numbers for ACH's incorrectly. Therefore, they claim that I never made a July payment. They began calling in August, telling me that I was late. Excuse me? I went to my bank and did the research .... according to my bank account, I had a Drive debit taken EVERY month since the car was bought. I have faxed this information to Drive repeatedly. The customer service agents and managers have always been great. Unfortunately, they are in AZ. Accounting is in Dallas. They can't MAKE Accounting call.
Today, after 5 months of harassing calls, faxing my bank statement every 4 days, and no response from Accounting, I got irritated.
I paid off the car. I have filed a lawsuit against drive to recoup the 'extra' payment.


Now, to respond to the comments on here.

We all have car loans with Drive for one reason .... we have/had bad credit. This is very important to understand. Drive is in a VERY high risk business. More than 75% of High Risk Loans will default. THIS is why they call when you are ONE day late. I own my own business. Money is Money. If my client has not paid their invoice by the due date, I am on the phone with them the next day. If I am not provided a Federal Express Tracking Number or Bank Wire Transaction Number that SAME day, I terminate my services to that client until their have paid their invoice to date. If this happens three times, I terminate the contract all together.

You want compassion for deaths or job issues? Drive doesn't offer compassion, nor are they obligated to. If you want compassion, finance through your own bank or credit union .....oops, you can't.

The representatives don't call ... an automatic dialer calls you. Automatic dialers are simply programs. IF.... THEN ..... ELSE. So, IF your payment has not been received by the due date, THEN call, ELSE (if it has been paid) move on to the next row in the database. End of story.

If they are calling you at work, tell them to stop. If they persist, filing a lawsuit. Don't threaten ... just do it. It's a $1000 fine per phone call. It adds up and if you people would actually act on your threats, it would send them a wake up call.

Richard
Copying Checks and Payment stubs really mean nothing, I am sorry. You MUST have proof that the payment was SENT.
I have used ACH all along. They are authorized to remove a set amount each month. They CANNOT remove late fees/late payments. Trust me, if they could, we wouldn't have been arguing for the last 5 months. Please do not continue to spread the misconception that if you set up an ACH, they can take what they want, when they want. That is simply not true. They may only take X on/or about date X. ACH's are very easy to track. When they show up on your statement, (online or paper) there is a transaction number and contact information coded into the description. You have proof of the date it posted.

But then I also agree with Richard. MAKE YOUR PAYMENTS ON TIME. No ifs, ands, or but's about it. No discussion here. You will minimize your contact with this company, and others for that matter, if you simply make your payments ON TIME.

Good luck all ....
I'll let you know how the lawsuit ends :)

Thank you Tommy and you're welcome. However, I don't think hanging up on the rep from Drive was the best decision you could have made. You should have asked the rep to hold on for a second and explained the situation to your wife and finished the confirmation call. No matter how long that call took, it would have been the only one. However, I wasn't there and I don't know the circumstances as to why you were leaving at that moment, whether it was an emergency or what have you. I did not receive a confirmation call from a rep. My confirmation call was from an automated system at Drive and I simply spoke answers into the phone. That call took about 15 minutes.

There are only 2 complaints I can say I have against this company. 1)The automated call I mentioned was on a Sunday evening during an awards show that I was watching and 2)When I telephoned Drive regarding the due date on my account, they asked a series of questions before they addressed my call. They asked my name, address, phone number, SS number, employment address and phone number, insurance company, Drive account number and the mileage on my car. I think to verify who I was my name, account number and SS number should have been sufficient. By the time I answered all of their questions, I almost forgot what I had called for. Neither of these instances are really a big deal, but worth mentioning.

Finally, there is absolutely nothing for you to be afraid of with this company. Just make certain your payments are made on time, and you will be fine, I promise. KEEP EVIDENCE ON FILE! One reason companies try to push setting up automated payments is it eliminates physical evidence. An electronic transfer is difficult to trace and/or prove unless you receive a written confirmation number from your bank. Another reason is it saves them leg work. I can't emphasize enough for people not to set up this type of payment.

Unless you have money to throw away like Rebecca there and send a Western Union payment for $12.95 a month.;) Sending a money order is inexpensive, and you have physical evidence such as your money order receipt. Attach this receipt to a copy of your payment coupon and keep them on file. If you send a check from your account, make a photocopy of that check and attach that to your payment coupon. This way you can easily prove payment was made and the date it was made in the event payment is lost in the mail, etc. Good luck to you and let me know how it's going for you.

Thank you Tommy and you're welcome. However, I don't think hanging up on the rep from Drive was the best decision you could have made. You should have asked the rep to hold on for a second and explained the situation to your wife and finished the confirmation call. No matter how long that call took, it would have been the only one. However, I wasn't there and I don't know the circumstances as to why you were leaving at that moment, whether it was an emergency or what have you. I did not receive a confirmation call from a rep. My confirmation call was from an automated system at Drive and I simply spoke answers into the phone. That call took about 15 minutes.

There are only 2 complaints I can say I have against this company. 1)The automated call I mentioned was on a Sunday evening during an awards show that I was watching and 2)When I telephoned Drive regarding the due date on my account, they asked a series of questions before they addressed my call. They asked my name, address, phone number, SS number, employment address and phone number, insurance company, Drive account number and the mileage on my car. I think to verify who I was my name, account number and SS number should have been sufficient. By the time I answered all of their questions, I almost forgot what I had called for. Neither of these instances are really a big deal, but worth mentioning.

Finally, there is absolutely nothing for you to be afraid of with this company. Just make certain your payments are made on time, and you will be fine, I promise. KEEP EVIDENCE ON FILE! One reason companies try to push setting up automated payments is it eliminates physical evidence. An electronic transfer is difficult to trace and/or prove unless you receive a written confirmation number from your bank. Another reason is it saves them leg work. I can't emphasize enough for people not to set up this type of payment.

Unless you have money to throw away like Rebecca there and send a Western Union payment for $12.95 a month.;) Sending a money order is inexpensive, and you have physical evidence such as your money order receipt. Attach this receipt to a copy of your payment coupon and keep them on file. If you send a check from your account, make a photocopy of that check and attach that to your payment coupon. This way you can easily prove payment was made and the date it was made in the event payment is lost in the mail, etc. Good luck to you and let me know how it's going for you.

My respects to you Richard. You answered Denise much as I probably would have. To be honest with you, I'm a little scared about what I've read on this website about this particular finance company... My wife and I just purchased a vehicle and were financed through drive financial at 23% interest rate... I cant complain given the circumstances of our credit, actually I'm grateful to Drive for giving us an opportunity to reestablish our credit. My concern was that it has not even been a week since I purchased the vehicle and thus far, I have recieved 4 calls to work and 7 calls at home. Not collection calls mind you... my first payment is not due until the 23 of Dec, but rather just informational calls but they are annoying, Someone called me on Thursday, Veterans Day (My day off) just as I was leaving my house, my kids and wife were already in the car waiting... I only answered BECAUSE it said Drive Financial on the caller ID and I was interested as to why they were calling, it turns out that it was for a confirmation of the vehicle we had purchased... (which is fine) until I tell the rep that I'm in a hurry and didn't have time to do it right then, he said it would take no more than 3 min... so I conceded. As my wife honked the horn and 10 min passed I had no choice but to hang up before I finished the confirmation call... that night I recieve a message on my machine by the same rep , saying that he doesn't appreciate being lied to and that if I wasn't willing to cooperate with them, Drive would not be financing my vehicle. Now I read all this stuff on this website and it crossed my mind to return the car.

Thanks to you positive feedback though Richard, I will probably take a chance with them. I have no intention of falling behind on my payments seeing as this can be my only chance to re-establish my credit history. Thank you again. I hope all works out well. If not, I will be back here again.

Denise, honey I'll get to you in a moment.

Rebecca, I did not mean to insinuate that you were late with your payments, but merely that most all of the reports I read were from people who were late. I did not even see your initial complaint from June until I researched it today. If what you state is the case, there are other legal roads to take rather than sounding off on this website. Not that posting comments on this website do no good, I think this site is excellent. However, it's not your only recourse. And, payments do sometimes get lost. They get lost in the mail, Drive or anyone else you may have sent them to loses them, and they also can get misplaced before you even mail them. That is why we have tracers to trace the payments. They will stop payment on the money order and issue you a refund or another one, and yes, for a fee. If that particular incident happened to me more than once, I would send them a check. It is a $20 stop payment fee on the check rather than the $35 you claim to pay. And in speaking with my bank yesterday, regarding another issue, I discovered they cannot debit your account any time they wish using your account and routing information. That debit has to be authorized by you and the company must provide proof that it was. However, if you setup automatic debits from your account each month, this gives them license to debit your account as necessary. But, since Check 21 went into effect on October 28, before sending a check, I would make sure there are funds available to cover the check as it will most likely clear your bank the day they receive it. Again, no insinuation intended. I will continue to send money orders at his time because I believe that is the best hassle free form of payment. The money orders I send are issued by Western Union and obtained at the Western Union office for a fee of .49. In the event payment is lost, if the money order has not been cashed, Western Union will refund the amount of the money order to you, and/or issue another one. The fee for this request is $12 according to the reverse side of the latest money order I sent to Drive. And yes, it takes up to 30 days. However, none of this is really germane at this point to anything since you claim to have refinanced your loan with another company. I wish the best of luck to you in your future endeavors.

Denise, you need to grow up and ask your parent's permission before using their computer again. Your innuendos about my name are a bit immature don't you think? Perhaps that is your modus operandi, it certainly appears so. Are these words too big for you moron? I'll explain them if necessary. If you represent the general public in Florida, no wonder Floridians had trouble with a simple ballot. In any event, I think the viewers who view your comments get the idea of the type of person you are, as well as your intelligence level. Furthermore, you are absolutely correct. Neither Drive nor any other finance company cares why you are late with your payments. Neither does your phone company, nor your electric company etc. All they want is their money. Are you so stupid that you would insinuate that one day late isn't late? Again, I'll explain these words if necessary. I also already know the answer to that question. And no, I haven't had the contact with Drive that the rest of you have, simply because my dear, I make my payments on time. My November '04 payment isn't due until the 15th, and I mailed it last Thursday, the 4th. I was merely looking up Drive Financial one day via search engine and found this website, and I offered an honest opinion to someone regarding their complaint and how to resolve it. There are 3 more words you might want to write down to ask me about. Suddenly, I became under attack by people who, in fact, do not know me first of all, and furthermore, have no business here since both of you stated you are no longer customers of Drive. Finally, my response to Rebecca was between the 2 of us and should have been left at that. Your comments were not only immature, moronic and uncalled for, but our rebuttals were, and continue to be, absolutely none of your business! Now get a life, grow up and move on. Next time moron, I assure you I won't be so nice.

Denise, honey I'll get to you in a moment.

Rebecca, I did not mean to insinuate that you were late with your payments, but merely that most all of the reports I read were from people who were late. I did not even see your initial complaint from June until I researched it today. If what you state is the case, there are other legal roads to take rather than sounding off on this website. Not that posting comments on this website do no good, I think this site is excellent. However, it's not your only recourse. And, payments do sometimes get lost. They get lost in the mail, Drive or anyone else you may have sent them to loses them, and they also can get misplaced before you even mail them. That is why we have tracers to trace the payments. They will stop payment on the money order and issue you a refund or another one, and yes, for a fee. If that particular incident happened to me more than once, I would send them a check. It is a $20 stop payment fee on the check rather than the $35 you claim to pay. And in speaking with my bank yesterday, regarding another issue, I discovered they cannot debit your account any time they wish using your account and routing information. That debit has to be authorized by you and the company must provide proof that it was. However, if you setup automatic debits from your account each month, this gives them license to debit your account as necessary. But, since Check 21 went into effect on October 28, before sending a check, I would make sure there are funds available to cover the check as it will most likely clear your bank the day they receive it. Again, no insinuation intended. I will continue to send money orders at his time because I believe that is the best hassle free form of payment. The money orders I send are issued by Western Union and obtained at the Western Union office for a fee of .49. In the event payment is lost, if the money order has not been cashed, Western Union will refund the amount of the money order to you, and/or issue another one. The fee for this request is $12 according to the reverse side of the latest money order I sent to Drive. And yes, it takes up to 30 days. However, none of this is really germane at this point to anything since you claim to have refinanced your loan with another company. I wish the best of luck to you in your future endeavors.

Denise, you need to grow up and ask your parent's permission before using their computer again. Your innuendos about my name are a bit immature don't you think? Perhaps that is your modus operandi, it certainly appears so. Are these words too big for you moron? I'll explain them if necessary. If you represent the general public in Florida, no wonder Floridians had trouble with a simple ballot. In any event, I think the viewers who view your comments get the idea of the type of person you are, as well as your intelligence level. Furthermore, you are absolutely correct. Neither Drive nor any other finance company cares why you are late with your payments. Neither does your phone company, nor your electric company etc. All they want is their money. Are you so stupid that you would insinuate that one day late isn't late? Again, I'll explain these words if necessary. I also already know the answer to that question. And no, I haven't had the contact with Drive that the rest of you have, simply because my dear, I make my payments on time. My November '04 payment isn't due until the 15th, and I mailed it last Thursday, the 4th. I was merely looking up Drive Financial one day via search engine and found this website, and I offered an honest opinion to someone regarding their complaint and how to resolve it. There are 3 more words you might want to write down to ask me about. Suddenly, I became under attack by people who, in fact, do not know me first of all, and furthermore, have no business here since both of you stated you are no longer customers of Drive. Finally, my response to Rebecca was between the 2 of us and should have been left at that. Your comments were not only immature, moronic and uncalled for, but our rebuttals were, and continue to be, absolutely none of your business! Now get a life, grow up and move on. Next time moron, I assure you I won't be so nice.

Denise, honey I'll get to you in a moment.

Rebecca, I did not mean to insinuate that you were late with your payments, but merely that most all of the reports I read were from people who were late. I did not even see your initial complaint from June until I researched it today. If what you state is the case, there are other legal roads to take rather than sounding off on this website. Not that posting comments on this website do no good, I think this site is excellent. However, it's not your only recourse. And, payments do sometimes get lost. They get lost in the mail, Drive or anyone else you may have sent them to loses them, and they also can get misplaced before you even mail them. That is why we have tracers to trace the payments. They will stop payment on the money order and issue you a refund or another one, and yes, for a fee. If that particular incident happened to me more than once, I would send them a check. It is a $20 stop payment fee on the check rather than the $35 you claim to pay. And in speaking with my bank yesterday, regarding another issue, I discovered they cannot debit your account any time they wish using your account and routing information. That debit has to be authorized by you and the company must provide proof that it was. However, if you setup automatic debits from your account each month, this gives them license to debit your account as necessary. But, since Check 21 went into effect on October 28, before sending a check, I would make sure there are funds available to cover the check as it will most likely clear your bank the day they receive it. Again, no insinuation intended. I will continue to send money orders at his time because I believe that is the best hassle free form of payment. The money orders I send are issued by Western Union and obtained at the Western Union office for a fee of .49. In the event payment is lost, if the money order has not been cashed, Western Union will refund the amount of the money order to you, and/or issue another one. The fee for this request is $12 according to the reverse side of the latest money order I sent to Drive. And yes, it takes up to 30 days. However, none of this is really germane at this point to anything since you claim to have refinanced your loan with another company. I wish the best of luck to you in your future endeavors.

Denise, you need to grow up and ask your parent's permission before using their computer again. Your innuendos about my name are a bit immature don't you think? Perhaps that is your modus operandi, it certainly appears so. Are these words too big for you moron? I'll explain them if necessary. If you represent the general public in Florida, no wonder Floridians had trouble with a simple ballot. In any event, I think the viewers who view your comments get the idea of the type of person you are, as well as your intelligence level. Furthermore, you are absolutely correct. Neither Drive nor any other finance company cares why you are late with your payments. Neither does your phone company, nor your electric company etc. All they want is their money. Are you so stupid that you would insinuate that one day late isn't late? Again, I'll explain these words if necessary. I also already know the answer to that question. And no, I haven't had the contact with Drive that the rest of you have, simply because my dear, I make my payments on time. My November '04 payment isn't due until the 15th, and I mailed it last Thursday, the 4th. I was merely looking up Drive Financial one day via search engine and found this website, and I offered an honest opinion to someone regarding their complaint and how to resolve it. There are 3 more words you might want to write down to ask me about. Suddenly, I became under attack by people who, in fact, do not know me first of all, and furthermore, have no business here since both of you stated you are no longer customers of Drive. Finally, my response to Rebecca was between the 2 of us and should have been left at that. Your comments were not only immature, moronic and uncalled for, but our rebuttals were, and continue to be, absolutely none of your business! Now get a life, grow up and move on. Next time moron, I assure you I won't be so nice.

Denise, honey I'll get to you in a moment.

Rebecca, I did not mean to insinuate that you were late with your payments, but merely that most all of the reports I read were from people who were late. I did not even see your initial complaint from June until I researched it today. If what you state is the case, there are other legal roads to take rather than sounding off on this website. Not that posting comments on this website do no good, I think this site is excellent. However, it's not your only recourse. And, payments do sometimes get lost. They get lost in the mail, Drive or anyone else you may have sent them to loses them, and they also can get misplaced before you even mail them. That is why we have tracers to trace the payments. They will stop payment on the money order and issue you a refund or another one, and yes, for a fee. If that particular incident happened to me more than once, I would send them a check. It is a $20 stop payment fee on the check rather than the $35 you claim to pay. And in speaking with my bank yesterday, regarding another issue, I discovered they cannot debit your account any time they wish using your account and routing information. That debit has to be authorized by you and the company must provide proof that it was. However, if you setup automatic debits from your account each month, this gives them license to debit your account as necessary. But, since Check 21 went into effect on October 28, before sending a check, I would make sure there are funds available to cover the check as it will most likely clear your bank the day they receive it. Again, no insinuation intended. I will continue to send money orders at his time because I believe that is the best hassle free form of payment. The money orders I send are issued by Western Union and obtained at the Western Union office for a fee of .49. In the event payment is lost, if the money order has not been cashed, Western Union will refund the amount of the money order to you, and/or issue another one. The fee for this request is $12 according to the reverse side of the latest money order I sent to Drive. And yes, it takes up to 30 days. However, none of this is really germane at this point to anything since you claim to have refinanced your loan with another company. I wish the best of luck to you in your future endeavors.

Denise, you need to grow up and ask your parent's permission before using their computer again. Your innuendos about my name are a bit immature don't you think? Perhaps that is your modus operandi, it certainly appears so. Are these words too big for you moron? I'll explain them if necessary. If you represent the general public in Florida, no wonder Floridians had trouble with a simple ballot. In any event, I think the viewers who view your comments get the idea of the type of person you are, as well as your intelligence level. Furthermore, you are absolutely correct. Neither Drive nor any other finance company cares why you are late with your payments. Neither does your phone company, nor your electric company etc. All they want is their money. Are you so stupid that you would insinuate that one day late isn't late? Again, I'll explain these words if necessary. I also already know the answer to that question. And no, I haven't had the contact with Drive that the rest of you have, simply because my dear, I make my payments on time. My November '04 payment isn't due until the 15th, and I mailed it last Thursday, the 4th. I was merely looking up Drive Financial one day via search engine and found this website, and I offered an honest opinion to someone regarding their complaint and how to resolve it. There are 3 more words you might want to write down to ask me about. Suddenly, I became under attack by people who, in fact, do not know me first of all, and furthermore, have no business here since both of you stated you are no longer customers of Drive. Finally, my response to Rebecca was between the 2 of us and should have been left at that. Your comments were not only immature, moronic and uncalled for, but our rebuttals were, and continue to be, absolutely none of your business! Now get a life, grow up and move on. Next time moron, I assure you I won't be so nice.

It seems to me that Richard(d**k for short) has not had to deal with Drive in the manner that the rest of us have. I mean God forbid if you have any type of problem arise in your life and become late even 1 day. They will ride you like a prize bull in the rodeo. I am so glad that I have paid off my loan with these people. I had 3 deaths back to back in my immediate family and this made my finances a little bit tight. I was a little bit late. They did not give a care. Luckily I was able to speak to a Mr. Owens who was in charge of my account at the time and he understood and I didn't get another phone call. I would advise any one and you too d**k not to have any dealings with this particular company what so ever. It is by far the worst company that I have had to deal with. I go to their website quite often just to make sure that the name is still the same in case I find myself in the market for another car. Oh and d**k....you have a good day too!!!

Richard,
First and formost, I have never missed a payment or been late with a payment to Drive.
My reference above about paying by western union was in defense of others that you said mail a money order to.
I did just that. I mailed a money order, they lost it. I had to pay $35. to trace it and cancel that one, and replace it with another one on the next month. I bought two money orders to cover both that payment and my current payment because DRIVE would not wait until Travelers traced, cancelled and reissued. That wasn't their problem, even though I have had my note for little over 3 years, never been late, and never missed a payment. No pay us today or else was their attitude. Then when you pay as asked, they note only one payment, and tell me something dumb about throwing the other one away and that I just need to go cancel that money order, (another $35.00) and get a third one. I don't think so.
It took me about 30 days to find another company that would refinance my car. It was at a lesser interest, and was actually suggested to me by a drive employee in your collection department. My hats off to them.

First of all, a Western Union payment and an Automated Payment from your bank account are 2 different things. The automated payments I was referring to are payments set up to be automatically deducted from your checking account each month. A money order works best. With this form of payment, you either have a carbon copy of the money order, or a stub as your receipt. Attach this receipt together with a xerox copy of your payment coupon and keep them on file until your vehicle is paid off and you obtain the title from the finance company. If you use a check, thus giving the finance company your bank account information, this will allow the finance company to attempt an automated payment in the event you become delinquent.

And by the way, I'm sure everyone in the middle of a car loan transaction has time to look up current and former customers of the finance company before signing the bottom of the contract;)Give me a break! You do have 30 days or 1000 miles on the car to back out of the deal, but I doubt disliking the finance company is justifiable cause to cancel the contract.

I have made some financial mistakes in the past, and I am a current customer of Drive. I noticed that nearly all of the complaints against this company are from people who did not make their payments on time for whatever reason and have been harrassed by Drive who only wants their money and will do whatever it takes to get their money. No different than if someone owed you money, you would most likely do the same thing to get your money. My payments to Drive have been made on time and the only contact I receive from Drive is my monthly statement in the mail each month. You will find that making payments on time will alleviate your nightmare. Furthermore, I have dealt with more than one 2nd chance finance company in my life and I assure you that, based solely on the reports I have read here, that Drive has not acted any different than any other finance company when, as you put it, a "High Risk Consumer" becomes delinquent.

As far as multiple payments, try making payments on time and there would only be one monthly payment in the emvelope for them to look for. If you have so much extra money to waste that you would rather pay 12.95 a month for a payment as opposed to postage and .49 for the money order, which by the way is also issued by Western Union, then have at it. But on a 5 year loan as mine is, 12.95 multiplied by 60 months is $777.00. Almost a down payment on another vehicle.

As stated before, I have been irresponsible with money in the past, when I was younger and immature, and have made several costly mistakes with loans. At the same time, I have been down the road of hard knocks, being laid off from jobs etc. I now have, for the past 2 years, a steady and secure 40 hour week good paying job and all of my monthly payments are made on time. I am correcting mistakes of the past as I do not intend to go through the rest of my life being labeled "High Risk". To the rest of you who continue to make the same mistakes over and over, I wish the best of luck to you. But there comes a time when you have to grow up and take care of your obligations. Thanks for your time and have a great day :)

Richard,
How dare you say that we as high risk consumers should use a money order. That is where my nightmare with drive started. People in the Dallas office even stated that the people who open the lock box are stupid, and if you send more than one moneyorder or check, you are lucky if they look for them in the same envelope.

I went back to paying the extra $12.95 to send my payments by western union just for this reason.

I wish that everyone would talk to a present or former drive customer before signing on that dotted line.

Richard,
How dare you say that we as high risk consumers should use a money order. That is where my nightmare with drive started. People in the Dallas office even stated that the people who open the lock box are stupid, and if you send more than one moneyorder or check, you are lucky if they look for them in the same envelope.

I went back to paying the extra $12.95 to send my payments by western union just for this reason.

I wish that everyone would talk to a present or former drive customer before signing on that dotted line.

Richard,
How dare you say that we as high risk consumers should use a money order. That is where my nightmare with drive started. People in the Dallas office even stated that the people who open the lock box are stupid, and if you send more than one moneyorder or check, you are lucky if they look for them in the same envelope.

I went back to paying the extra $12.95 to send my payments by western union just for this reason.

I wish that everyone would talk to a present or former drive customer before signing on that dotted line.

Richard,
How dare you say that we as high risk consumers should use a money order. That is where my nightmare with drive started. People in the Dallas office even stated that the people who open the lock box are stupid, and if you send more than one moneyorder or check, you are lucky if they look for them in the same envelope.

I went back to paying the extra $12.95 to send my payments by western union just for this reason.

I wish that everyone would talk to a present or former drive customer before signing on that dotted line.

1st of all, never refuse a call. Finance companies are NOT allowed to call you at work regarding your account, but they usually do if they cannot get you at home. If you don't answer the calls at home (i.e. looking at the Caller ID) or they leave you messages at home and you do not return their calls, they may then try to contact you at work. If they discuss your account with anyone at home or work other than yourself, and that person or persons are prepared to testify to that, then you have a lawsuit. Other than that, try to pay your bills on time and send a check or money order. Make a photocopy of your check along with the payment coupon (if applicable) and send it through the mail. NEVER use automated payments, they are difficult to trace and are time consuming. A paper check or money order is more credible evidence. You can retreive copies of cancelled checks from your bank. Goof luck and take care!