Wells Fargo Dealer Services STAY AWAY - WORST CAR LOAN COMPANY ON THE PLANET - COST ME THOUSANDS!! Albany New York

Ive seen you use similar rebuttals in defense of Wells Fargo Dealer Services, you cannot act like all of these people are lowlifes who dont pay bills, there is obviously alot of them and i a also having problem with the company, I have made every payment and during the day on June 30 we had a tonado and massive hail storm that totalled my car, due to some very suspicious financing tactics, my $15000 loan after a year, i had paid in another $3800 and they still want $14000 to pay it off, so how does the math sound on that huh? Flat out told me they just wamted the settlement check and neither them not the insurance company cares about customers who may now lose their job and pla

No one is saying, I DON"T HAVE TO PAY MY BILLS??? Where are you getting that from? All I am saying is that I was told by the Wells Fargo reps that the car would not be taken unless they informed us that we were at that point and THEY DID NOT - I honestly thought I had at least another week and I WAS making arrangements for the payment - that's it. Regardless of my son's illness or not, that has NOTHING to do with what I was told by the Wells Fargo reps who up until this incident had been working with us BECAUSE of our circumstances which both & and "Robert" view as excuses but that's irrelevant.  Who the hell do you think you are suggesting that my son's illness is not real or an "excuse" - you really dont deserve a response but I am infuriated and feel I have to defend myself. And yes, unfortunately my husband's credit has suffered and that is something we will have to work on repairing BUT attention to our son's health is first and foremost and I don't know about you but ASKING my family, my mother is 86 years old and my sister, whose husband is also suffering from reduced wages at his job was not an EASY thing to do - no one wants to ask for a handout and by the way, this won;'t be a handout - my mother's/sister's house needs work and my husband is a carpenter so he will do any work they need to repay the monies they lent us - no free ride here and I think I said  before, yes, I guess I should have asked for help before things got out of hand but both my husband and I were hoping things would turn around - he would get called back to work so we could catch up, etc etc. and obviously that was a mistake but information given to me by the Wells Fargo reps we have been dealing with was incorrect as well and that really hurt us in the end. 

For some reason you are suffering from the incorrect misconception that it's ok to default after five-years into a six-year loan. You are also incorrect that your child's health, your husband's employment status or your home loan will invoke an exemption from vehicle repossession.

"I owed 2.5 months... I was only 1.5 months late"

Your loan was in default the first day after you missed a payment.

"its all a big scam - money, money, money - MOST BANKS are CROOKS - or don't you read the paper??"

It wasn't such a big scam when you requested the loan. But now that your car has been repossessed they are scammers and crooks. Yes, many banks are suffering legal problems due to approving home loans to lenders that did not qualify but it has nothing to do with auto loans... Or don't you read the paper??

"you have no idea of what my credit is or isn't"

I know your credit is now in the toilet and it will be at least seven-years before you see a decent interest rate on a loan.

"the car is NOT in my name but my husbands so MY CREDIT is not damaged"

That's another misconception that you are suffering.

"I did not want to BURDEN my family with my problems"

That comment makes me question the legitimacy of your claim of your child's health issue. Your child's health should take priority over burdening your family.

I certainly understand that anyone can suffer from financial difficulties due to unexpected situations but for you to incriminate Wells Fargo for your irresponsibility was malicious and infantile.

I do want to add that other than our house, we DON'T live some lavish lifetstyle - you talk like you know me and that is what is so RIDICULOUS about this whole conversation??? No, I don't spend anything on myself  - we have 3 children and anything necessary if for them, I dont smoke, drink buy myself clothes, etc. etc. and ANYONE who knows me, knows this so why do you feel it necessary to imply otherwise. Again, I am in my 50's I do work and I was taught to "live within my means" - when we purchased the car 5 years ago our financial situation was good and no one could predict what the economy (and I know, you are going to say don't blame the economy - but why don't you tell that to the millions of people who have lost their jobs and homes thru no fault of their own) we had no trouble making payments and I don't think a "couple" not hundreds of late payments over a 5 year period is terrible by any means. Yes, you should always pay on time - that would be ideal but we don'tlive in an ideal world. And, its funny that you seem to talk as if my husband is a moron as well - he is and was, obviously totally aware of the situation yet you choose to attack only me - should we "hang" him as well because the Union has no work for him - Let me ask all his "Carpenter" brothers out there what they think? And he has been laid off more times in these last several years then his 25+ years in the union but that's also a conversation for another time - There are 5,000+ men out of work in his union alone - I suppose this is all their fault too??? But my husband works like a dog to do side work or any work he can find to keep the family going - why am bothering to tell you all this, I really don't know, but again you really need to have the FACTS before you go about bad-mouthing and passing judgement - If you go around in public they way you have been ranting and raving on here - I am surprised no one has retaliated against you or maybe they have or maybe you just like to hide behind a computer like a lot of people out here - NUTS!!! Again, no offense really, but you have no idea what you're talking about.

So you don't like my response so you ATTACK - you obviously know everything Robert - and I am not WASTING anymore time on you - YOUR AN IDIOT and yes, I can say that because you have chosen to attack my character over and over again with NO KNOWLEDGE of anything but you should go work for Wells Fargo because you're as hearltess and ignorant as they are - Have a great day :)) And LOL I may be "screwing" my husband but not in the way you imply. How dare you - sitting on your high horse - go get a life and did I mention I do WORK - you appear to comprehend only the parts of my post that you want to - so no one is looking for a FREE RIDE - I already said you are entitled to your opinion but that wasn't good enough for you - again - a real charm - I feel they did not do the right thing based on my expereinces with them, not yours and what they told me would or would not happen - you have no knowledge of those conversations and I have no reason to make it up - so think what you like and yes, perhaps I should have asked for help sooner to avoid this but we were tyring NOT to BURDEN our families - why can't you understand that??? Look elsewhere Robert to hang some deadbeats - it's not us and I know lots of families who have lost their homes for lots of different reasons - but I guess your point is whatever your "problem" is you should be able to fix it and not ask for help nor do you even deserve help and that makes you a horrible person - may God help you if you ever need help or better yet, have you ever helped a friend or family member in need? And, if so, why? Because you come off like too bad for you and its all my fault, etc. etc. There are some things totally out of our control - illness being one of them - you should know that ???

So you now not only have no issue "screwing" the bank, but "screwing" your husband and family financially..wow..you are a real winner.  After all the car payment is in his name so why bother paying on time..YOU can always go out and get a car.  Why ask for help when you only owe back payments...wait until you owe several hundred dollars more in fees and then ask for money.  So what happens when you do this in the future but then don't make your payments who will you use then?

You say you thought you would have some time before they towed the car away..yea you had 2.5 months.   Again paying for 5 years is nothing special.  It is what you made a legal agreement to do..but even in that last 5 years you admit you were late.  I guess all of those times they were mean as well..oh wait they didn't reposess your car then. 

Here is a little secret..EVERYONE has financial difficutites and one excuse why it is tough to make their payments.  The difference is that most people try to fix the situation instead of looking for everyone else to blame.  I actually know a couple familes with kids who have special needs and thousands in medical bills.  But guess what..they don't live the most lavish life..they don't have cable or internet.they have a cheap pre-pay phone used only for emergencies, they rarely go out, but when they do it is a situation where if there isn't a coupon they don't do it..and they still make their payments.   They also don't try to blame everyone else for their situation..or play the "poor me" card.  They are actually some of the happiest people I know because they are grateful for what they do have.  You on the other hand are using your son as an excuse..which is why you are getting the response you are getting.

You also say that Chase is great..so why don't you get a loan through them to pay off your car?   I think we all know the answer to that one though...

It's a little sad that you are trying to use your son's illness as an excuse as to why you are not holding up your obligations.

First of all you seem to be under the misguided impression that they don't have the right to reposess your car.  Well sorry but if you read the legal agreement you signed..they do.

Now on the "Warning Call" you wanted.  If you think about there are only two reasons why you would want to have a "Warning Call".  The first would be so that you can hide the car until you are able to pay your bill so they can't reposess it.  The second is so you can pay your bill so they won't reposess it.  So figuring that you are not the type of person who would hide the car..that means that you would then pay your bill.  So the question is if you are able to pay your bill to keep them from reposessing your car..why do you need them to give you a warning and you just don't pay your bill before it gets to that point.

On that let's now look at the reposession.  Within 12 hours of them Reposessing the car for you being over 2 months late..you were able to not only come up with 3 months payments, the late fees and an extra $800 in fees for the Reposession and Storage.  So if you were able to get this cash, why didn't you just make your payments when you were suppposed to?  Not only would you still have your car, you would have saved late fees and another $800..which I bet is at least 2 probably 3 car payments.  All because you didn't pay the money you obviously had in your posession(or could get extreamly easily) BEFORE they reposessed it...yep but of course it is ALL their fault for taking away your only mode of transportation.

Also, a "Loyal" customer isn't someone who is late multiple times...it is a person who makes their payments per the agreement they signed.   You don't get a "Gold Star" for eventually paying them because that is what you are supposed to do.   As for going to any other finance company.  Do you think that other companies would be any better?  That is their business..they allow people to borrow money and expect it to be paid on-time.  If you don't pay it on time they will reposess it(and many won't give you 2.5 months).  Even if you have 1 payment remaining it can be reposessed.  However, you don't have to worry about any other company.  Because with your history of late payments and now a reposession there isn't a "main stream" finance company that will touch you with a 10-Foot pole.  Oh and on your next car when you find out the interest rate and terms/conditions you will get for the next car you will really wish you could go back to Wells Fargo.  You will probably be required to put down several thousand dollars, your interest rate will be near the state maximimum(which can be in the mid 20% range), and the real kicker.  They will put a GPS device on your car so they know where it is at all times, and as an added feature if you are even a day or two late they can disable your car from starting until you make your payment...I bet Wells Fargo isn't looking so bad now.

Oh and no I do not work for them.

Robert - you sound like a charm - I DON"T need a lesson on paying bills, etc. etc. and the "promise" or "assurance" you speak of was not my words but theirs and I had no reason to believe that was a lie. People, in these tough times, and maybe you are lucky and can pay ALL your bills on time - that's great for you - are struggling - don't you read the papers and I am NOT suggesting this means you don't have to pay your bills - but I guess customer loyalty is a thing of the past and most BANKS just view their customers as a number. I have to say that my personal banking is done with Chase and they are wonderful - so I am not just some nut with a chip on their shoulder looking for some "gold star." We are humans and unless you have had a sick child you have NO IDEA as to the mental and financial hardship that comes with this and it is NOT AN EXCUSE BUT A FACT and for you to suggest otherwise is disgusting - YOU ARE NOT A NICE PERSON.  I have worked for 25 years and so has my husband so we are no free-loaders like half of the country.  As for the state of my credit - you have no idea of what my credit is or isn't - and here we go again - someone TALKING ABOUT other people when they DON"T HAVE ALL THE FACTS - the car is NOT in my name but my husbands so MY CREDIT is not damaged but thanks for that lesson too - by the way - I am in my 50's not some stupid kid that has no clue.  AND I didn't have the money or I would have PAID because yeah, I just figured I would wait until something like this happened - are you on drugs - I AM NOT - I had to BORROW it from family and this was a last resort - But again, you want to give all kinds of advice and spout your "intelligence" yet you don't know what you're talking about.  I did not want to BURDEN my family with my problems and I thought I had some time before they would actually tow the car away and DIDN'T I mention that I have been paying the loan for 5 years now??? I don't know Robert - you are entitled to your opinion but you are way off base here and much too judgmental for my taste and I really hope you are never in my situation because I always say "walk a mile in my shoes" before you decide to condemn.

AND TO THAT REBUTTAL = DID YOU NOT READ - I PAID IN FULL IN CASH IN LESS THAN 12 HOURS AND BY THE TIME I GET THE CAR BACK IT WILL HAVE BEEN IN SOMEONE ELSES" POSSESSION FOR MORE THAN 4 DAYS??? AGAIN LET IT HAPPEN TO YOU AND YOU LET ME KNOW how YOU LIKE IT - And some idiot at Wells Frago tells me you should go get your plates as well - How would I do that by f**king pony express?? Just ridiculous and outrageous - you have people struggling and let's make it even harder on them - its all a big scam - money, money, money - MOST BANKS are CROOKS - or don't you read the paper??

First of all, whoever you are, I hope you don't ever have a sick child or unemployed spouse but let's forget about that - I know it is BUSINESS - I am not some f*cking deadbeat = DID YOU READ completely the post - I have had the loan for 5 years with Less than a year left AND we have our Home Mortgage with Wells Fargo as well AND we have kept in contact with them as they requested AND THEY "PROMISED" this would not happen SO they LIED and DID WHAT THEY WANTED - I certainly don't need a lecture about how business works AND didn't I mention I have a deferment on this loan as well??? So again I would tell all consumers - BEWARE!!!!

I'm sorry that you've had to experience some seriously negative life events. But the bottom line is that Wells Fargo (and every other car loan company, bank, and credit union) is a BUSINESS and they have to answer to their stockholders. They are under no obligation to work with people when times are hard.

You were 2 months late with a payment and they have every right to reposses.