refinancing an auto loan?
I need to refinance my auto loan it is currently through wells fargo, and WOW they are ridiculous! Every month ieither send in my payment, make it by phone or pay it online, and every month they are calling about the payment. I have to send them proof that it was paid. I understand that everyone can make a mistake but this company is just stupid! So i want to refinance my loan with another company. Know of any great ones? I would prefer to have a company that will only call if the payment is actually late, and not just missplaced by one of their workers.
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February 8, 2010
Tags: auto loan, mistake, proof, wells fargo Posted in: Auto Refinance 
4 Comments
Has anyone out there done business with Payday Today Loans?
I made the mistake of getting a payday loan from Payday Today, and now they want me to call them, I have and they never return calls, e-mails or faxes. I can’t even get a mailing address for them. Does anyone out there know? I tried contact their "affiliated company" MTE Financial, and they say they know nothing about Payday Today. I think they are in Miami, Florida, but I can’t be sure. Any help would be appreciated.
HELP!!!!!!!!!!!!
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January 27, 2010
Tags: affiliated company, faxes, mailing address, miami florida, mistake, payday loan Posted in: Payday Loans One Comment
Is it hard to get payday loans?
I made a huge mistake and ended to pay huge bills during a rough time. it’s hard to pay on my regular bills. My credit is 495 therefore it has been hard to get a loan. How can i get payday loans?
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January 6, 2010
Tags: mistake, payday loans, rough time Posted in: Payday Loans 3 Comments
Bad Credit Auto Refinance?
I got myself into a really bad situation…bought a car in August 06 and financed it directly through the dealership. I was told they’d send me my payment book, to go home and wait on the details of the loan to be worked out but that my monthly payment would be no more than 0 what I was paying for the car I traded in. I waited, and waited. December rolls around, they threaten to come repossess the car because I had not paid…yet they had never sent me an invoice. I go in, the rude guy shoves a bunch of papers in front of me…I found out I had been driving on illegal tags. The deal didn’t get complete until December and at that point I finally sign a sales contract, only it happened so fast I didn’t know what I had gotten myself into. I just didn’t want them to take my car. Anyway the dealership has me financed at 20.400% interest. I have paid that for 18 months, never missing a payment. They are not reporting to the credit companies.
Someone also made a mistake in the invoices they were sending me for the last year and a half (that is WHEN they actually sent invoices). So they apparantly did not factor in the interest. It has added an additional 00 something to what I thought I owed on the car itself. Because they are not reporting it to the credit companies, I am not getting my credit built up. I desperately want out from under this dealership. They have done nothing but screwed me over since day one. There are more bad things they have done but I could go on and on with it. Simply put, I cannot afford 6.25 a month car payment anymore. When I bought the car, I was told they’d report it and I could get it refinanced within a year or two. Well that time has come and my life situation has changed…I am newly married among other things. What can I do? How could I possibly get it refinanced?
I tried to request it be reported to my credit reports, as a consumer and was told I cannot do that. That the lender must open an account with the companies, TransUnion, Equifax, Experian. I have really been screwed over BIG TIME! The woman who handles the paperwork at the dealership said these companies told her I had to request it to be added, but we know this is not true!
I have no co-signer and to make matters worse they have applied at least 3/4 of every payment to the INTEREST so I owe more than the car is worth towards the principal at this time.
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December 5, 2009
Tags: bad situation, car payment, Credit Reports, invoice, invoices, life situation, mistake, rude guy, sales contract Posted in: Auto Refinance One Comment
What recourse does an American have when a credit reporting agency reports inacruate information?
When you call them, it is next to impossible to talk to a person.
They say, "mail this, mail that" and "it will take 30days"…..
I didn’t make the mistake, I am the victim… How in the world do they get away with this? There was another SS# added to my name an address and the credit reporting company will not tell who or how the mistake was made…. Is there a Gov’t agency I can report this issue to? Yep, I am pissed off…
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December 5, 2009
Tags: mail, mistake, ss Posted in: Credit Reports 4 Comments
I cosigned on an auto loan for a year the person I sign for does not want to refinance. What can I do legally?
They have ruined my credit because they are late with payments. I made the mistake to co sign now how can I fix it. They are in-laws; my husbands son. How can I have the finance co. take me off the loan?
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November 27, 2009
Tags: finance co, mistake Posted in: Auto Refinance 11 Comments
Is there a consolidation loan to pay off payday loans?
I made a huge mistake in using payday loans to help pay bills during a rough time. Now I can’t get from under them and it’s hard to pay on my regular bills. My credit is 495 therefore it has been hard to get a loan.
Is there help for me? Once i can get these loans paid I can make the monthly pay’ts.
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October 8, 2009
Tags: mistake, payday loans, rough time Posted in: Payday Loans 5 Comments
Can the auto lease company put me under collection?
I had an auto lease which ended early last year. On the credit report, it has always shown as "paid and closed". But I started to receive collection calls this year. I called the lease company. They told me that they credited someone else’s payment to my account by mistake, and I still owe them money.
They also told me that the collection is already reported when they turned over the account to the collection agency, and they have no way to undo it, but I do not see the record anywhere. Why is that? After the account is closed, can they reopen it and report collection? Is there any way to prevent it from getting on to my account? Thank you!
I thought I paid off, but they said I did not…. 
There is no proof either way….
Thank you for your replies. I checked my credit report – the collection is not there, and the lease account still shows as "paid off"
It is not a big amount – a couple hundred. I do not know if I should pay the collection agency. If I do so, will that trigger them to report "collection paid" and get the bad mark on my history?
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September 23, 2009
Tags: auto lease, couple hundred, credit report, lease company, mistake, money, proof Posted in: Auto Lease 3 Comments
Auto Refinance?
I recently made the worst mistake and got a car through Kids Auto. So far the car works good and I have had it a few months with no problems. However, the interest rate is REALLY high and I am paying ALOT each month. I have about 7000 left on it. I really want to lower my monthly payments before I start college in the fall. I don’t really have alot of established credit so its hard to be able to refinance it. Any advice on how to lower the monthly payments?
Should I just give it back and just have a repossession and just bite the bullet?
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September 23, 2009
Tags: interest rate, mistake, repossession Posted in: Auto Refinance 3 Comments