Ford Credit Ford does not honor their errors, will mess up your credit and threaten to hold your vehicle title hostage!!! Ripoff Detroit Michigan

I seem to respond to these things way too much.  First your non legal issues. If your account showed late then yes they do call you. Why would any company pay for people to call you if you were current. You freely admit there were alot of late payment issues on your account. In the world we live in it is legal and acceptable for business calls to be made from 8 am to 9 pm. Nothing improper there. The calls kept up for every hour or hour and a half THEN you answered? why not answer your phone when it rings then you won't keep getting the calls. You had to then giove your confirmation number? OMG so you paid the night before and they didn't have that information??? join the real world it takes time for any business to get a payment reflected on your account if it can be done in 24 to 48 hous then they are a good business. If them calling you when your late is such a problem then advise them your account is to be mail contact only. They have to honor that. BUT if you are late you may get up and find your vehicle gone. If you owe someone money and they cant find out what the problem is an when they will get paid it would be up to you to call them. If you don't they will just pick up their vehicle.  How is it Fords fault that they didn't get your paperwork. Every consumer know if you have important paperwork make a copy of everything if it has to be mailed follow up that evverything was received where & when it should have been and fax it again if needed. you don't just assume and forget about it. Finally as far as holding your title every company has a period of time that they wait to release a title or deed of trust if it was paid off by non certified funds. Could they have been nicer yes with out a doubt. Did they rip you off. No. Grow up and join the real world.

Ford Motor Credit loves to harass by phone! I have 3 accounts with Ford Credit. I have paid my accounts upto 3 months ahead because I work overseas for 2 months at a time.

They call 50 times a day & load up the voicemail to where no other collegues can contact me.

The most effective way that I found to deter them from calling is to purchase a freon horn. When they call let 'em have it!

They will be too deaf to call again!

As fas as bankruptcy, I filed twice. Both times I have had Ford Credit involved. Ford Credit doe's not send invoices. On top of that they will not entertain any questions pertaining to your account!

Instead, you are transferred to their Bankruptcy Department in Arizona. There you will find rude service & sarcasam with the reps.

I like Ford Super Duty Trucks, I own 3 of them for my Business. I do agree on their cars though, they are ot up to par with the foreign cars.

I have never stiffed Ford with a repo, but when I lost 2 trucks in Hurricane Wilma, they would not Finance me because I had filed Bankruptcy 1 year before. Even though I paid off 2 vehicles with them just the month before!

There is no loyalty with Banks & their customers that is for sure!

I just though I woud add my 2 cents.

Meridith,

I know what your saying and I just want you to know that I sent a fax of your letter to Ford.

In fact, last month I sent the following to Ford, please read it because there is a good chance you will need to have your brakes checked!

My letter is as follows:

7/24/06

To Whom It May Concern:

Today, I just read that the Ford Motor Company reported a $123 million dollar quarterly loss and I am not surprised!

The fact remains; you do not make quality products! It is also a fact that the Ford Motor Company does not respect the consumer!

To prove these two points, please consider the following facts:

Our Honda first brake job occurred when the vehicle had over 120,000 miles. Our Ford vehicle couldn't get 42,000 miles before there was a complete failure of the brakes We are very lucky that nobody was hurt or killed by your company's defective products! (This is your notification that there is a problem with your poorly designed/defective vehicle(s).)

The next point: The nation's consumers are not your customers The Ford Dealerships are your customers! This is why when people write to your company about problems with dealerships nothing happens! It is because of this simple fact that your company is in deep financial trouble all because you do not respect the consumer!

You don't even want to hear from the consumer, which is why you refuse to give out the main fax number and this is also why you send letters like this one over to that useless Customer Service Group!

Think about this for a moment: My wife and I routinely get over 100,000 plus miles out of our vehicles brakes, yet we couldn't get 42k out of a Ford. What a rip-off! What a poorly designed vehicle! What a dangerous piece of junk!

Again, we are very lucky that nobody was hurt or killed by this poorly designed/built and very defective Ford product!

Would you like to know what is ironic about this?

I will get a lot of satisfaction posting a detailed explanation about the defective Ford product on the Internet, along with the warning, If someone in your family was hurt or killed you better have the Investigators check the brakes!

The bad part about this is that your company knows that this is a poor design!

If a creditor places a negative item on your credit report which is untrue, they are in violation of the Fair Credit Reporting Act and as such, they can be sued for a lot of money.

If you have/will pay off the vehicle and you get the title, and the chargeoff is still there - see a good consumer lawyer and sue them silly.

Don't go to your run of the mill family lawyer because he'll be lost in consumer law. You need to see a lawyer who is very conversant in consumer law.

We got behind 3 months with our payment to Ford Motor Credit. We had filed bankruptcy, and they had stopped billing us, and 3 months over the course of 9 months I let slip away. They filed paperwork to repossess the car. I contacted their attorney who provided me all sorts of information, which months were missing, the payoff, address to send etc..

My husband and I paid off the car and within 2 weeks, we received a refund check (they had overstated the payoff balance) and our title, and a letter thanking us for doing business with them. We most likely will not buy another Ford anytime soon, but they were pretty accommodating when it was WE who screwed up.