I bought a car in May 2007 and was financed by United Auto Credit. This is the first car I ever bought that was financed. If I knew then what I know now, I would have bought a used car and been done with it. For the first year I paid all my car payment on time or before the due date. Even though I was always on time, they called a week before the payment was due to "make sure" I was going to pay on time. I understood the first few months because it was a new loan but eventually I personally went in and told the office manager that I did not want any phone calls from them unless I was late. Everything was ok at first. In April of 2008 I was late the first time and started getting a taste of really how nasty they are. Anytime that I have been late with this company, they have not only called my references but anybody that I have ever been in contact with. They even had someone call me and pretend it was someone that had met me at the mall and he asked me on a date. Said we met a while ago and he had misplaced my phone number and just found it. Said if I would meet him I would remember him. I didn't fall for that. They called a friend of mine, her grandmother, her grandfathers cell phone, her mother (which I have never met), an ex boyfriend of mine, my ex employer, my mother, my brother, my stepfather, my sister (none of which were listed as a reference). They have told all of these people that I am behind on my car payment and that I have them listed as a reference which was a lie. They continue to harass my friends and family members calling each multiple times a day. I have made payment arrangements with this company only to find that they lie and had scheduled to repo the car on the day the payment was supposed to be made and were attempting to pick it up (even though arrangement had been made).I also received and email that states "even if I make a payment, am I prepared to look over my shoulder every time I am late." This is the worst company I have ever heard of and I have contacted an attorney about the continued harassment and the giving out of my personal information. Anyone who is interested in being a part of this law suit having similar experience please contact me at firstname.lastname@example.org. I would love to make sure this horrible company gets shut down before it gets too many more victims.