Wachovia Dealer Services harrasing and threatening phone calls,threatening reposs.,took 6 applications to refinance,were only 2 months behind, tried talking to them to no avail! Santa Ana California

Once again the automatic...you must work for them.

As to the OP, it is not a threat about Reposession. If you fall behind they have the legal right to Reposess your vehicle. And before anyone goes off on "I must work for Wachovia", I don't(or any other bank).

This is how every other lender will work, if you can't pay(they don't care about the reason) they will reposess your car. There is no law that says they must refianance you. Just in your case, your work slowed down so you fell behind. What happens if they refinance you and in 3 months you get laid off and fall behind again? Do you expect them to refiance you again? Just how much time should they give you? There is no law that says a lender has to work with you to what you "can" pay. In fact it is quite the opposite. When you got the car you made a LEGAL agreement to pay back a certain amount of money each month. In that agreement if you didn't pay, you gave them the right to reposess the car.

"I didn't even pick Wachovia for my vehicle financing, the dealership did."
- They may have picked them but they picked them for a reason. They were probably the only company who would approve your application. If you didn't want them you were more than welcome to attempt to get financing on your own. But if you think any other lender would be different..you would be wrong.

You must work for WFS....with that comment!!!! Or maybe that's how you make your money too...by harrassing people and giving them a hard time. You should put yourself in other people shoe's before you make a comment like that. JUST COLD!!!!

and they will leave you alone. You owe them the money on the car you are driving. They want their money or their car.

and they will leave you alone. You owe them the money on the car you are driving. They want their money or their car.

and they will leave you alone. You owe them the money on the car you are driving. They want their money or their car.

and they will leave you alone. You owe them the money on the car you are driving. They want their money or their car.