Where to begin? I purchased my truck back in September of '07, and knew from the get-go that I had some bad credit, but was motivated to pay on the vehicle, on time, and build my credit back up. Sounds like a good plan. I can state very clearly that from a financing point of view I knew exactly what I was getting into. High interest, bottom of the barrel lender. However, the following is an interesting development in poor business. I will keep it short as some is currently still developing.
#1. These idiots will in fact spam-call/harass anybody they figure is mildly associated with you. They will. Its true. Its a simple fact.
#2. They will continue to call people who were specific with them in return when telling them to not call said individual anymore, and to remove their name from the list.
#3. I had a major mechanical problem with the truck. These things happen. I even had a bit of cash stashed away just in case this occured. I was told initially that they offered deferred payments for mechanical issues. After spending massive amounts of cash (Three payments worth) on a repair, I was told that it was simply "Too Bad" and that their policy was not to allow for a deferment.
#4. Coincidentally I had the honor of partaking in a mass layoff at roughly the same time, and there is of course a window in which Unemployment Insurance takes time to kick in, not to mention my gross earnings fell to less than half of what I was making prior. No working with me here either.
So now we are in a state of economical turmoil rivaling the decay witnessed during the Great Depression, and we have a company that laughably will not work with its customers in the hope of getting their regular payments in on time, but furthmore harasses them and anyone they know/may know/might have known, to try and get a payment while said individual does important things on minor amounts of cash like, for example: Buying formula for their baby, buying diapers for their baby, feed their family, pay rent, pay power bills, pay water bills, pay trash bills, pay sewer bills, pay medical bills, and the list is endless. Then, the best part, if you voluntarily acknowledge your breach of contract, during these harsh and overbearing times and move to do a voluntary surrender, they will still threaten to sue you, and attach your wages. You know, if you can find a way to survive.
I am a US Combat Veteran and have been through ### more painful than a kick in the face with a golf shoe while simultaneously chewing glass, yet it never ceases to amaze me how absolutely selfish American Companies have become.
I'm thinking about simply voluntarily surrendering the vehicle, even with the impending lawsuit. I can only hope a figurehead of our American court system can equate the difference between "Justice" and "Law".