[guise08]

My question involves an auto loan or repossession in the State of: Florida

I currently have a loan for a car with only 6 payments to go before its paid off. Currently I've been making partial payments due to being ill since June of 08 and working shorter hours. This has been fine up until today. My payment was due on Friday.. part of December & All of January. Technically December's payment is 35 days past due and January's payment is 4 days past due. The total amount is $327... however I only have $225 today. When I called I spoke to a very rude customer service rep, ended the call... called back to speak to a 'manager' and that didn't help either. It's hard to explain a situation when people don't let you speak. Anywho, I'm worried that even if I pay the $200 today they'll still repossess the car. I'm planning to pay the car off next month and after 3 years of paying for it I'd hate to see it go... any thoughts?

[OhMy]

My question involves an auto loan or repossession in the State of: Florida

I currently have a loan for a car with only 6 payments to go before its paid off. Currently I've been making partial payments due to being ill since June of 08 and working shorter hours. This has been fine up until today. My payment was due on Friday.. part of December & All of January. Technically December's payment is 35 days past due and January's payment is 4 days past due. The total amount is $327... however I only have $225 today. When I called I spoke to a very rude customer service rep, ended the call... called back to speak to a 'manager' and that didn't help either. It's hard to explain a situation when people don't let you speak. Anywho, I'm worried that even if I pay the $200 today they'll still repossess the car. I'm planning to pay the car off next month and after 3 years of paying for it I'd hate to see it go... any thoughts?

If you cant get anywhere with customer service, ask for a supervisor, if you get no where with the supervisor, ask for their supervisor and so on.

You are NOT the type who seems to be a risk to a lender. Hold your ground and get this resolved. I am sure they will work with you. Just keep asking for a higher up until someone along the way works with you to your satisfaction.

[guise08]

yeah.. this is what i tried today but both people i got stuck with were rude.. when i ask for a supervisor they say "im supervising the account" or if i ask for someone by name.. they tell me that person isnt with the company.. even calling the "corporate office" number on the website was no help... i was told pay by 3pm (they close at 9pm) 'or else' then i was hung up on.. there's only about $1200 left on the loan this is driving me crazy.

[Betty3]

I don't know if this is always the best option but it can be an option. Can you get a loan from someone for the $1200 still owed & pay off the vehicle & then pay back the loan?

[guise08]

*UPDATE* they're full of it.. after all of that yelling the CSRs did.. and demanding payment by 3pm.. I unplugged my phone and sent them an email.. letting them know since telephone communication doesn't seem to work, I'd like everything documented in writing. They had the actual manager email me back who gave me his direct number. Now all of a sudden they want to offer to defer the payment..PFFT!... I can't stand some creditors that let their employees actlike total buttheads.. they allowed me to pay what I had.. and I'm going to pay the car off in February...problem solved.. and thank you for you advise

[Betty3]

I'm glad things worked out for you.