Drive Financial review: This company needs to be driven out of business! 169

Well if this is the case, you should try a different method of payment, there is Money Gram, Western Union, Auto Pay, Cheque and CC over Phone...And if you are trying to avoid the processing fee, Autopay is best for you..It's easy, free and very convenient...NB: Your account must be currect to set the Autopay up and you much have a bank account to do so

if you read the contract it stated there is a daily per diem if you didnt realise every time you make a payment late that amount will will be taken out daily for interest ...you need to stop complaining so much and pay your bills ...by the way you lucky they accept you and you bad credit

you should see if you can afford the payments before taking out the two vehicles

pay your bills!

you guys need to pay your bills on time and stop complaining no one told you to have bad credit

Hey everyone if you have a problem also with the dealership giving you problems in the state of oklahoma, you need to contact the State of Oklahoma Used Motor Vehicle & Parts Commission but if you live another state you will have to search your state. These people regulate the dealerships and they make them answer your question and if your not satisfy they will investigate it further.

I am new to Drive, BUT, if my payment is one day late, or shoudl I say I sent the payment and they have not credited the account, the phone starts ringing at 7am every day until 10pm 7 days a week. I turn my phone off so family now complains becasue they cant get ahold of me. They now call me at work, I hate this company and want out.

Soooooo ... you drove a car for 2 months that you had no contract on. Didn't make any payments on it. And were surprised when you started getting hit with bills and fees? Sounds like you shouldn't have gotten a car in the first place. Not saying Drive Financial is innocent, but you sound a bit like someone that was looking for a free ride then was surprised when you got bit by the snake you were playing with.

As a matter of fact, most of the complaints registered for this company involve folks either be "late, " "behind, " or some other form of unpaid status with the company. I find it hard to take any of the complaints I've read seriously when 99% of them involve the words, "because we were behind ..." or "we were late and then ..."

Bottom line is, if you can't afford the car, don't get it then blame the company when you can't pay.

Try using a Moneygram or Western union which they would receive the same day or call in and make your payments over the phone with a rep

I have been paying for my truck for 3 years and the amount I owe never seems to go down. I have asked for a copy of the original sales slip and I/ve been told I sould have kept mine. I however do make my payments on time and I still get alot of interest. I would love to know what to do because i should have been almost finish paying for this truck. Yeah, I know I had a poor credit history when I was given to them but that was three years and a lot of payments ago.

HELP! me if you can

I JUST PURCHASED A NEW VEHICLE WITH DRIVE FINANCIAL.IS THERE ANYTHING GOOD TO
SAY ABOUT THEM?

i work for drive... NOW BEFORE YOU START AIMING THEM MISSILES AT ME HOLD ON A MINUTE...

do any of you know that before you sign that contract on that high ### interest that you are paying that you can actually negotiate with the dealership to get it down?

do you know what a simple interest loan is?

do you know that the rudest customer service reps come from the actual company DRIVE FINANCIAL and not from the outsource offices ?

i know it seems like we're all a bunch of heartless brutes here to embarass you into paying ... but honestly... SOME OF YOU DESERVE IT...

Its so true... when someone owes you money, and its money you need because someone else is waiting on it for you ... wouldn t you get ### if they signed something stating that they will pay you on the 3rd of the month, and every month they want to pay you on the 9th... or the 29th ... its not very good business going or coming is it ? because you're having to pay the person you said you would pay ahead of time, and then behind it, you're still not getting money from the person who promised it...

aside from that... why do so many ppl think that drive cannot do without them ... amazingly... i get cussed daily because i ask ppl... so why were you past due... FIRST THING OUT OF THEIR MOUTHS I AM "ONLY" 9 DAYS PAST DUE ... ahhhh... ummm... if you have a grace period wouldn't it mean that you are not losing anything for those 10 days? Simple interest loans are loans that do NOT have a grace period because each day more of what you pay goes towards interest than to the loan principle, and it gets worse if the account is extremely past due.

i mean its like you ppl think that agents don't have bills to pay as well, and honestly... on the other hand... SOME OF THE ILLITERATE SNOT NOSED BUBBLE HEADS that work for DRIVE need slapping around, i've done 3rd party collections ... THERE IS ABSOLUTELY NO REASON FOR AN ACCOUNT WITH DRIVE FINANCIAL TO BE TREATED IN THE SAME MANNER THAT A 7-10 YEAR DEBT IS HANDLED...

we're trained to be customer service first, collectors second at DRIVE, howeveeeer... seems that goes poof, as soon as we hit the production floor in some cases.

my suggestions, always keep track of your monetary history, either take it off the website, or have it faxed to you, if you want you see your loan balance drop significantly, attempt to get at least 2 and a half months current, that way your payment is coming straight to principle and not to interest. take advantage of AUTOPAY, its free to yourself and automatic... even if you have to set up an account for your car note... after all, you drive the damn thing... everyday sometimes 2, 3, times a day... wouldn't you like to know its yours?

believe it or not, some of us "account managers" don't care about your credit... being realistic, but we do care about the fact that you're human just like us, and if our parents, children, siblings, husbands, wives, etc etc were hospitalised, we would want to be with them, paying to make sure they are comfortable, or if we had a really bad month and had to miss a payment on our mortgage, we would expect the bank to understand, or would we? because you see, we can't move the house, when the bank comes to foreclose on me... i would be itching to pay ... think of life in that way... we have to- as agents... many of us get in trouble with (overlords) for not telling a 6 day past due customer 'WELL YOUR ACCOUNT WAS DUE 6 DAYS AGO.. WE WANT THAT PAYMENT NOW!' simply because it sounds absurd to us too... but its our job... and don t come with the whole crap that oh, thats the best i can do... too many ppl have a negative opinion of the agents who work in call centers because of past telemarketers and or collectors, check the website... YA NEED A FRICKKIN DEGREE TO WORK HERE ...

i once had a man call me an 'ineducated black girl' because i told him i can calculate what his interest was on his last payment for him in order to explain why his principle hadn't moved ...

OH AND ABOUT THAT...

WHEN YOU GET A PAY OFF QUOTE, IT COVERS THE NEXT 15 DAYS FROM THE DAY YOU REQ IT... DON T BLAME THE AGENT FOR TELLING YOU ONE THING IF YOU ARE GOING TO TRY TO SURPASS YOUR OWN ARRANGEMENTS WITH A LOAD OF CRAP?

ah well, i guess all i am is a stinkin debt collector who has no heart and can't do any better at a job... yeah me... who speaks two languages and lived in europe for quite some time paying for my own schooling off the job that i had at 18...yes... believe this is the best i can do ... since everybody is demonstrating some degree of human behavior by saying its us the agents that are screwing you, not the fact that you screwed yourself at jump when you signed a contract that you couldn t handle at a dealership that FINALLY accepted your offer of credit knowing that you were capable of doing ### but messing up your own credit before that.

anyway... enjoy your day ppls, my suggestion, rebuild your credit as best you can, keep the accounts current, do not let them pass 30 days ... if you do THAT AIN T OUR FAULT... ITS UR OWN DAMN FAULT!

I dont get how it is Drive Financial's falut that you all got screwed on the amount you financed on your car. Yes the interest rate is high, but hey, do you want the car or not. you should be greatful that you are even approved if you are being financed through them. they are considered a last resort and if you are declined through them, there is no hope for you. If you actually read your contract that you sign it lists your payments, amount finance, interest rate all at the top in BIG BOLD LETTERS...they have to it is a federal law called the Truth and Lending Act to list it all much larger than anything else. I wouldnt buy a home without looking at my contract why would you not look at your contract for the car. They cannot go and change the amount of your payment it is not possible considering there can be no alterations to that section with out your signature. So if you do your homework and clearing you people know how much your car is worth then DONT PAY THAT MUCH...if the car is worth 10k then why would you agree to pay 15k for it before taxes or interest rate. that is just stupid. As far as not making your payments...not their falut...all yours...YOUR PROBLEM they are calling. They gave you money to borrow and you are not paying it when you said you would. That cost them money. You wouldnt appriciate if you gave your friend 15k and they didnt pay you back on time and you had to pay that money back yourself (out of your own pocket) well where do you think they get their money from...guess what another bank...and they have to pay interest on it too, and if you dont pay on time it cost them...it cost them to lend you money for that car you dont need. just a little information for the ignorate out there.

Okay, first of all, you did the best thing by keeping your receipts. What I would almost be willing to bet on is that one of your payments to them was probably mis-posted to another account or was not received.

You need to request a payment history or amortization. If your payments are on time then there is no reason for your loan not to continue if you are making the proper payment so you shouldn't showing up late.

Lastly, they definitely should not be calling you at "all hours of the night". You cand definitely have this taken care of.

Try paying your bill electronically and see if the problem persists. If they are really processing your checks about a month after you're mailing them and charging you for it, I'll be you have a great case against them.

I used to work for a turd of an automobile finance company and there may be one more thing that has you amassing charges. They may have lost or misposted one of your payments. So to you it seems that they are processing your payments slowly, but in actuality they processing them when they receive it, but it's actually paying the previous month's installmen. Call them and make sure that all of your payments have been received and you have credit for them.

I used to work for an automobile finance company, one that truly did suck. I now work in insurance. But let me just say this. You are simply a baby. I can't believe that you actually stated that DRIVE should have called you to see if you had physical damage coverages on your car. Do you know what would or could have happened if they did and you did not possess the coverage? By contract they could have repossessed the car and I'm sure you'd be on here crying about that too.

Secondly, you mentioned insurance from Drive? What insurance would DRIVE have on your vehicle? Lienholders do not insure vehicles in common practice. They may have insurance for the loan, but that's not the same thing. If anything they may have sold you a "gap insurance" product that would kick in if you totaled your car and there was not adequate primary insurance to pay off your loan amount.

You may also have this confused with a leaseholder, a leaseholder under state law could be held responsible for liabilies if you were at fault for an accident since technically they own the vehicle and lessee in all intent and purpose is just renting the vehicle until the lease matures. That is why most leaseholders make you take out a much higher than usual liability limit.

Now, I feel for you with the length of time it has taken for them to have the vehicle salvaged, but no matter what you are on the hook for your loan balance. If they salvage the car and there is still a balance you will owe it and truly they are within their rights to collect on their debt. And I'm not sure about Colorado law, but you may want to check to see if the company legally even has to take possession of the vehicle after it's totaled for the sake of salvage. Your contract may read it's your responsibility.

They are harrassing by phone. They deny they have received payment even when I have proof of making an online payment. We have been trying to change the due date for two months now so we can insure that they have their payment on time and we can't even get them to do that. I regret the day we ever became involved with drive financial. I did not capitalize their title, because I do not consider them a genuine business. They have no class and certainly no morals!

We have a loan with Drive Financial and when they called to let us know that we were behind I met their terms to catch up but what they failed to do was tell me that in a few days that I would be in the same boat.

They failed to tell me that our late fees compounded. When I got my call to day we were 26 days past due but I could have resolved that when I met their payment arrangements in April I called 4 times to make sure that this was how it was. My husband said an automatic payment was supposed to come out of his account and it never did.

This is not cool!

I'VE PAID OVER $18, 000 SO FAR ON A USED 2003 PT CRUISER THAT I'VE HAD APPROXIMATELY THREE & A HALF YEARS. I WAS SHOCKED WHEN DRIVE FINANCIAL SAID INSTEAD OF A TWO TO THREE (2-3) THOUSAND DOLLARS DIFFERENCE IN BALANCE, THEY HAVE CHANGED IT TO OVER $17, 000 IF I PAID IT OFF TODAY; IF NOT WITH THE ACCRUED INTEREST IT WILL TAKE AN ADDITIONAL FOUR (4) YEARS TO PAY IT OFF AT THE CURRENT $485.00 MONTHLY RATE. I'M CURRENT ON PAYMENTS. THE CAR WAS ONLY WORTH $10, 000 WHEN I BOUGHT IT. DRIVE FINANCIAL ASSURED ME THAT THE DEALER (MATTESON AUTO MALL/MATTESON, ILLINOIS) WOULD FIX MY CAR THAT WAS DEFECTIVE AT TIME OF PURCHASE. BOTH COSPIRATORS LIED. DOCUMENTS PROVE IT !

I just want to say to the joker who posted about it being the customers fault...think again. Yes, i'm sure some don't make their payments like they should, but I did. I made them on time EVERY time and I even paid over every month. In two years my balance only went down $1600. Now, they didn't call me because my payments were on time but I hated that I was paying all this money but the balance stayed the same or went up.

We traded that car in September for a new Tahoe and got financed with GMAC. I'm so happy i'm out from under Drive!

I am a Customer Service Rep for Humana, and let me tell you if we talked to our member the way that Drive Financial does, we would be out of business, I don't think they know the meaning of the Customer is always Right, as well as good customer service that they do not have at ALL, now mind you I have spoken to maybe two reps that were very nice and courteous, but have had them calling me all the time day after day after day all hours of the night and I was mislead totally by my car dealer and they had the nerve to send me a paper asking if I wanted to trade in my truck that I just purchased in September, I told them no way I am not going to give them nor Drive Financial anymore money than I have too, granted I have been late on a few payments I have had some set backs and when you try and explain that to them they say well get another job, I have a job and I don't need another one I told this young man and then he stated well then you shouldn't have purchased the truck if you couldn't afford it, well I hung up I thought that was the rude and I wasn't going to listen to a smart mouth telling me I needed to get another job, maybe he should I would not be proud to work somewhere that is ripping people off left and right, and I also was told that my payments would be lower than $300. what a joke right it is over $400 plus I have to pay a $10 charge to do it online give me a break what kinda of charge is that so they are getting a extra $10. a month just so I can make a payment DRIVE FINANCIAL IS A JOKE IF YOU ARE TOLD THAT THEY WILL FINANCE YOU RUN AND RUN FAST...

thats sad all of you have these complaints but i have nothing to complain about i guess when you pay on time you dont have them issues i just called them due to an issue and needed to ext my aprils pymt you know they offered me a 2 mnth deferment and now i'm current til june so again i say it must be the payer and not the company the only advice i have start paying your car note you wont get the calls or the rudely service as several of you have called... GEt another job or something im not rich im in customer service too and seem to be able to get my bills paid...")

I am unfortunately ANOTHER victim of Drive Financial! I was financed by Drive 2 years ago for a 2003 Pontiac GRAND AM! My payments were $500 a month. I put $4, 000 down on the car. I have paid almost $20, 00 for a 2003 Grand Am, and I still owe $13, 000! The car is worth about $5, 000. I am no longer in the same financial position as I was 2 years ago, therefore I BEGGED them to reduce my payments. They said NO! They said this comapny does not work that way~ I asked them to allow me to extend my payments, but pay less per month... they refused. Today...they took my car.
I am sick about this, and I hope EVERYONE can learn from my tragic experience and NEVER do business with them! I wonder how these people sleep at night. Sure...bad things happen to good people, but it's a shame the way your treated after they have already ROBBED YOU BLIND! I only wish our Government would step in and shut this company down!

Concur with all of above complaints.

Customer service reps are extremely rude. Illegal fees charged. I always mail my payments approx two weeks before due date, but they are apparently not processed til two weeks past due date, as I always get harassing phone calls/messages. Don't remember why I chose Drive, but I'll remember not to do business with this company again. I'm currently gathering bank info to present to BBB.

I learned this the hard way ... Mailing a payment is not good unless your current .. they offer money gram & western union .. and payments by phone .. automated system and online.
Guys we some where some how messed up our credit in the past and need to be blessed that we were able to be financed to get a car. yes its sucks that its a simple intrest loan but if we are late we are being charged a daily per diem each DAY. I got a 2 month deferment to help bring me current and changed my due date so now my 1st check goes to my house payment and 2nd check goes to car payment .. talk to your acct manger to see what options would be best helpful to you! OH YEA ... remember .. please remember its not the reps fault they are just doing there job so the can pay there BILLS and yes one of there bills is a car note and even though some of you may not believe they are probably financed through Drive. Always remember what if it was YOU!

Let me explain something to you guys that are neg towards Drive.. 1st let me ask a couple question ... Did you make your payments on time? Do you keep you line of communication OPEN? Is it really Drive Financial or YOU? If you answer yes to the first question then you would not receive calls everyday because your account is current. If you answered NO the yes you receive calls because they paid money up front for you to drive off with the car when no one else would finance you! 2nd question ... If you answered Yes .. then it goes 2 ways either you say your going to make a payment on a certain day and they call you to follow up or you dont make it and they call because your credibilty is at a loss! 3rd question which is the most important ... who is it really? All you have to do is make your m payments on time and if something comes up just call them and let them know and make sure you stay TRUE to your word.. let me ask you this if you paid money up front for someone and they told you they will pay you back and they dont what would you do? If they offer you assistance and you still fall off track .. what would you do? Now in all honesty if I was in charge of Drive yes i would give you the benifit of the doubt but if you ever ### me and im only giving you 1 chance then Hell no im not giving the the car back. Now what im about to say is know to all man kind .. ### me once shame on you ### me twice shame on me and if you really think about it Drive should be one of your best friends because if not you would not have your car to go to work .. out to eat .. watch your kids events and basically your everyday must do things.. Once again lets look at it as if it was your company and everyone else was doing the same ### to you... NOBODY not even you have money to just give away and when someone cant pay just say ok they will pay me when they can ... you have bills and so do Drive ! Really sit back and think about it and if you still cant see why they are consistant about collecting on whats theres then you serious need help!
May GOD help.. bless.. and see you through your trouble times.

FYI .. yes i have an account with Drive and yes i have been late but I have never experienced what you all have said becasue I keep my line of communication open and keep the arrangements I set.

On January 31, 2008, I had totaled my vehicle in an accident. Unfortunately with my financial status I wasn't able to keep full coverage insurance on the vehicle so my insurance will not pay for the accident. I contacted Drive regarding the matter, they said that they were going to send an adjuster to where my car was towed to collect the vehicle and make a settlement with me. It's been 3 months and they have not claimed the vehicle. I also have received a certified letter from the State Patrol saying that they are assuming it's been abandoned. And of course, I'm getting phone calls about payments that are due and they have yet made a settlement with me. I am also getting the run around and cannot speak with the same person every time I call. There is one lady that I have spoken with that seems to know what she is doing but every time I call I can't speak with her even though I have her extension. I swear that I will never do business with this company ever again and I will definitely not refer them to anyone! These people need to be taken out of business...

We have made perfect payments to reestablish our credit. Little did we know that it really made our credit worse. We finance 13, 000 van and still owe over 6ooo for 2more years yes the pay off seems to grow each time. I was told that you actually pay them with a down to finance you. Your down does not go toward the vehicle. What do we do we cant trade or refinance either and cant afford to leave it with them. Its awful.

I was just served papers that they are suing me after reposessing my car. The math didn't quite add up as far as what I thought we owed. After reading so many of these complaints, I now have an attorney that is going to request discovery from them so we can see just where they got their numbers. By the way, I would LOVE to be part of a suit against them!

I have been paying on my loan for 2yrs. $535 per month. That adds up to $9095 and none of it went to the principle amount of my loan. I called numerous times in an attempt to find out what happened to the money and why None of what I paid applied to my loan. The associates told me that I was late on some payments and that I was being charged late fees for a missed payment. Knowing I have'nt missed any payments, I asked the associate to send me a history of my payments. They told me that I could go to the website online and get a detailed statement of payments. No such luck. The website was down that day? I called back and asked to speak with a supervisor and the associate that I originally spoke with and was told that they had no way of reaching these people. What kind of business is this? I have reviewed all statements and complaints about this company from this site and others. They are being sent to the better business bureau.

Oh my goodness, it seems like there is alot of us out there. I got a car back in 2003, the car was junk and a lemon since day one. I have put serveral complaints against the dealership. after calling Drive several times to document my complaints, it just seemed like depending on who I spoke with, I got no where. After the car sitting in front of my house for 8 months, cause it just stopped working...I had to make a choice to surrender the car. I was working out a deal with Drive and the next thing I know, I am being sued! I have to go to court to try and fight this. The amount that was left on the car, is way different than the amount of the law suit, which I find to be interesting. So now, I have to figure out what to do. I am beside myself. I do not understand how they can do this...I was dealing with Drive, then it went to a Pallisades Collection to some debt Lawyers. I called Drive to find out what the heck was going on and of course they couldn't explain it and don't know why Pallisades is suing me and why the amount is much higher than what they have...I am just sick to my stomach that it has gotten this far. If there is a class action suit, please contact me!

I had my car since aug 07 and been paying 644 a month. i ran into some hardships an got behind on payments i got charged 15 dollars per day for intrest and it didnt apply towards my loan they told me to pay on time or ill never pay my car off ooo well sucks to be you basiclly if you want to do buisness with drive you might as well jump off the ambassador bridge cause its financial suicide currently trying to refinance thats my only way outof there chock hold.

I also have a loan for my car through Drive Financial. I was unaware of the kind of loan company it was at the time. When I got the loan I was told my payments wouldn't start until the following month on a certain date. I drove my car home and I ended up with a loan for well over 16k for a car that was only worth at the most 7k. I've been paying on it now for a year and the loan amount has gone down less than 1k during that year and I am making payments of $479 a month. I am hounded on an almost daily basis. Even when my payments are not late. I became late once due to having to go to Arizona as my dad was dying. I made arrangements with them but they still called me daily asking where the payment was at. I would ask each time why are you doing this. They would tell me that they had to keep calling me until I was caught up. Now they have finally stopped that but they still start calling me a few days before my pmt is due. Unless you use a check each month, ( I don't use checks) they charge you for whichever way you make your payment. Each month it costs me from 10 to 15 dollars charges to make my payments depending on how I make the payment. We only wanted payments of no more than 350 a month. Now we are stuck paying forever on this car. We wanted to go to another company to trade it in and get out of drives clutches, but we can't. no one will take it. Usually when you try to refinance and you request a payoff they knock off some of the finance charges. Not this company. When I ask for a pay off quote its HIGHER than what it says I still owe. How do you get out from under this? I can only imagine the only way is to let them take the car back and and have a repossession on my credit. which I hate to do. One Toyota dealer told me that about the only options I have are to hope the car gets stolen or that I can have them take the car back. He said that the way they work they'd rather put you into a car get a year or so payments out of you with huge finance charges then take it back and resell it again for the same price they sold it to you. They keep on doing this several times and make a lot of money off people doing it.

This company is a mess. I have faxed these people verification of my payments and they still claim that they have not received the fax or the payments The dealerships knows about this comapny and it is a shame that they are still swindling people to use this company. I will not make a another payment until they find my money. The proof is in the pudding. Their customer service people are rude and discourteous they will not let you speak to any managers. They say things like "it want happen" "You need to make a payment". They put a note on my door with a name or an address. This is bull. Something can be done. Talk is cheat I am going contact the Att. Gen. of the United States.

We must remember they think their company can't come down. No matter what you all are dealing with stay diligent and keep records of everything. Go on to your history page and print your payment history. Do this because Drive loves to delete things off of their website.

I am in the same boat as many of you. They did defer us for back payments, but it has been hell every since. They have called people and even called someone I have not spoken to in about 10 years. The tactic is if I embarrass the consumer, they will move. GO TO HELL DRIVE. You all are so right! The payment is not intended to pay the car off. More than likely our cars are not worth the payments. Drive is a stronghold for consumers and it will be destroyed, by their own greed.

People just remember whatever your financial situation it does not dictate your destiny. We all used Drive because we needed to get a car to try to take care of our life's chores. Personally I had never heard of them and I can't wait to get rid of them. Just remember you can get another car through a company with common sense.

If there are any attorneys out there that can help please respond to this forum. There are thousands of consumers that need your help.

Less focus our energy on getting a better car, with lower payments with a company that understands the sudden turns in everyone's life. Consumers if you have any good resources or agencies that may assists us please post them ASAP!

They went so fas as to look up my neighbors phone number and call her. They asked her if I still lived next to her and asked her to give me a message for them. She wasn't lying because she gave me there number. My neighbor is over 50 years old and she's blind. How embarrassing.

That is, they are not supposed to disclose any information to anyone other than the person on the loan. It is called 3rd party disclosure and it is against the law. I would put in a complaint to the BBB and also get some legal advice. Good luck and i hope everything turns out your way.

my complaint is when my son was sick and in icu drive didnt' want to work with me or defer my payments til i got caught up
not to mention the harrashing phone calls ... by law only one phone call is to be made to the customer once daily they repeating keep calling ... the next time they harrash me i will sue them...its' against the law what they do to their customers .

I unfortunately got a car financed with them in January of last year and due to a out of state move and everything that can wrong did, I am 1 down on my payments but I send them a payment every single month and have told them I am back in school and what happened. One person seems sympathetic and the other seems ###. When you get the name and ext # of someone that will help you, when you call them back no one has heard of them or "they no longer work there" I don't know what to do! Now they have me stressing my hair out because they called my parents today and told my dad they want my car! Without my car I can't go to school! I am 33 years old, doing what I am supposed to. They told me to send my payment every month and add some to it to try and catch up the one I am down. Now, something different again. I hate them! But, now, I can't refinance because I go to school and no longer work, I live off my grants and scholarships. And I agree about the language, I get so tired of either someone I can't understand or someone talking so ghetto I can't understand her.