Ford Motor Credit Evasive in correcting the Issue Dearborn Michigan

If you really wanted to share with the world you would scan and post all of your proof(of course blocking out any personal information).

Because while you may be telling the 100% truth.  There are a few odities.  First, of I can never recall having a payment due on the 29th,30th, or 31st.  The reason is that there is too much ambiguity when it comes to February.  For example in your case if it is due on the 28th does that now mean the 10 days start from the 28th, March 2nd or 1st(in a leap year).  This is why lenders generally make the due dates between the 1st and 28th of the month.

Next, what are you counting as 10 days?  Is that 10 Calender days or are you taking 10 Days as meaning the 10th of the next month?  Are you counting the day you send it or they day they receive it?  This is important because in just about every case they mean the day they receive it.  After all you could always say "Well I mailed it out, it is not my fault it took another 5-10 days".

A telling factor in this is also why didn't the government help you with your "issue"? 

Then we have your 28 "late" payments.   Okay if your payment is DUE on the 30th, if you pay it one day after it is LATE.  Now, you have a period of time in that 10 day period you are still late, but they won't assess any other FEES.  But what did it say about INTEREST?

Then finally, even IF you were late 28 times.  The average late payment is 5%, even taking a $500/month payment that is $25.  So you would be looking at $700.  If you are really saying that because of $700 your wife is considering declaring Bankruptcy, even if it was $1000 or $2000 that Ford is looking for there are things you are definatly leaving out. 

As a side note...if there is any other RipOff here it is your loan.  If you had to go to an 80..that is over 6 1/2 years that means you were problably overextended and were buying a car well over what you could legitimatly afford.  Which may be a primary reason why you are trying to play with these "10 days".