My husband & I had fallen behind on 2 payments for my vehicle because he is self employed & had not worked in 2 months. He had a few jobs fall through that we were expecting to pay the bills.
We purchased the vehicle in 2007, do they honestly think that after 4 years of payments we would let the car go? We have been behind in the past, but we have always been in contact with Chrysler Financial & caught up all of the payments. I kept in COMPLETE contact with TD Auto Finance as well as them calling me all of the time I explained the situation to a few VERY RUDE reps. & told them that I would be able to make 2 payments by 10/31.
I even asked 1 of them to transfer me to a Supervisor & I spoke with him & told him the same arrangement. I called again 10/24, 1 wk before the arrangement was due to verify they understood that I would be making a payment by 10/31 & that would take care of the past due balance & current balance. On 10/24 the Rep. told me that everything was fine so I planned on taking care of it 10/31.
Much to my surprise 10/30 the day before the payment arrangement is due I am on the TD Auto Finance website making my payments (as promised) a Repo Man shows up @ my door! Telling me he is there to repossess my vehicle! I couldn't believe it! Of course it is a Sunday night @ 7:30 pm no one is @ TD Auto to take my call!
I was shocked! I did NOT receive a default letter, a phone call NOTHING! I told him I was making the payments @ that moment like I had arranged with the company & that the vehicle was not even there. He said oh yes it is I saw it in your garage (by the way my garage window is so high that you would actually need a ladder to see into it), I told him well that is impossible because my husband has the vehicle out of town where he is working!
He was walking around MY house when my husband is gone flashing a light into all of my windows for all of my neighbors to see. I was so embarrassed! I guess that he finally believed me & decided to be civil & discuss this with me. He told me that this has happened to NUMEROUS people in the same situation & it was not right that they have all of these arrangements with people and they do this!
He took my name & # & I did the same I told him that I would call him as soon as I spoke with TD Auto. I spoke with a very nice lady that morning & she said that this should not have happened she saw all of the arrangements on my acct! I gave her the transaction # for the payments & she told me that she would contact the Repo companies to stop the Repossession. I told the Rep.
on 10/31 that I would call this week to let them know when I could make the 11/11 payment. I called today I spoke with a very nice young lady & explained the situation that happened last week she was shocked & could not believe that someone had set up a repossession for my vehicle. She stated that she saw all of the phone calls as well as the arrangements. She was VERY apologetic & sympathetic to my situation.
I told her that I wanted to file a formal complaint against this company & she took all of the information. I told her that I would make the payment by 11/22 she documented this information & I took her name & ext. #. I could not believe that she had spoke with a Supervisor & they would not do anything to help me & just shrugged her off!
Most of the Reps. @ TD Auto Finance are so rude they will not even document your acct. until they bully you into making an arrangement that you cannot possibly keep. Is there anything that I can do about this whole situation?
If 2 Reps are just as shocked as I am about this there has to be something I can do! Has anyone had this happen or do you have any advice for this situation?
I cannot believe they can go this far with all of the communication that we have had with them! PLEASE HELP I DO NOT WANT THIS TO EVER HAPPEN AGAIN!
Monetary Loss: $10.
Location: Wood Dale, Illinois