Auto Loan Dispute

[CJLOTTI]

SAN JOSE, CALIFORNIA,

I have an auto loan, with wells fargo auto finance and the loan maturity date was 11/2007. But
At the end of my payments they say I still owe them $ 2,400.
My contract states 59 payments 8/2002-7/2007 @ 434.87 = 26092. 17536 on loan
And 8556 on interest
after receiving a payment history. And totaling all payments I
Paid and what payment went to. IE Principal, interest, and late
Fees. The total amounts I have paid throughout the loan is $30,365
17970 on Principal, and 11479 on interest plus 916 in late fees
Through duration of loan. According to their statement they sent me 3/11/2008
Leaving an excess of payment of 3,357 to wells Fargo.
And they still say I owe them 2,400

I HAD 4 PAYMENTS I WAS LATE ON DURING COURSE OF 59 MO LOAN THAT WERE EXTENDED SO I WASNT LATE ON THEM TO THE END OF THE LOAN.
ORIGINAL LOAN MATURITY DATE WAS 7/2007 WITH EXTENSIONS IT WAS CHANGED TO 11/2007
I HAVE MADE ALL THE PAYMENTS TO 11/2007 WITH A PAYMENT IN 12/2007 AND 1/2008.
CUST SVC AGENT SAYS WITH THOSE 4 EXTENSIONS I NOW HAVE 63 PAYMENTS TO MAKE NOT 59. (????? THESE ARE ADDITIONS/ ADDITIONAL PAYMENTS ADDED NOT DEFFERED PAYMENTS/ EXTENSIONS)
I OWE THEM 4 MORE PAYMENTS @ 434 PER MO = 1736
NOT THE 2400 THEY SAY I STILL OWE THEM. REGARDLESS, BOTH ARE INCORRECT. AS STATED BEFORE, PRICIPAL/INTEREST/ LATE FEES ADDED UP PAID IN FULL THROUGH 8/2002-1/2008 = $ 30,365.
WHEN COMPARED TO CONTRACT OF 26092 + LATE FEES OF 916 = $ 27,008
I HAVE OVERPAID $3,357.
AND THEY STILL SAY I OWE THEM $2,400.
WITH NO DOCUMENTED PROOF OF ANY CHARGES WHATSOEVER TO SUPPORT THERE CLAIM OF MONEY OWED

THANK YOU FOR YER HELP AND REPLIES,

CJ

[seniorjudge]

And what is your legal question for us?

[CJLOTTI]

And what is your legal question for us?

UHHHHHHHH, ITS CALLED A LOAN DISPUTE.

HOW, OR WHAT LEGAL RECOURSE DO I HAVE.

SINCE THE FIGURES DONT JIVE, I AM GETTING STRONG ARMED AND EXTORTED BASED ON A VERBAL STATEMENT OF CHARGES, NOTHING IN PAYMENT HISTORY OR BILLING STATEMENTS OR ACCT RECON.


CJ

[aaron]

Ask them to provide an accounting.

[CJLOTTI]

Ask them to provide an accounting.

so lets review here,

i have thoroughly describe my situation and figures to a stated fact. it is obvious somthing is wrong in my loan statement.

i have recieved 2 replies, one from a senior member
who replied like he was an alzhiemers patient

and another reply from an admin guy
who replied with the redundent obvious question as a statement. like he was busy surfing porn or watching cartoons.

are you people ******** serious or what??

i have a serious sit. and needed some guidence on how to resolve.
so far expert law is nothing but expert ********!!!

[FlyinHawk®]

Something tells me that is not the way to get the advice you're looking for. Your post has only been up for a day and you're expecting people to jump all over it. Not everyone here may know how to handle the situation you are in so with out providing false advice they are waiting for someone else.


Patience Grass Hopper.