Saturday 13th of October 2018 09:15:25 AM
I should have known to run before I got the loan, the agents you speak to over the phone forget to tell you documentation is required and tell you everything is okay and good to go. After hours and hours of nothing you're told, oh yeah, you need this or that. This last incident takes the cake. On December 24, I received a phone call from a Silver ** requesting my past due payment and I told her my situation of why my payment had not been received, which is when I signed up for the loan I was receiving disability payments that totaled almost $800 monthly but that out of nowhere one day, those payments were stopped and I did not find out why until a week later. It was because funds had been exhausted and since this had happened I had been living off General Relief which is only $198 monthly and financial aid.I haven't even been able to afford hygiene products and all my money has been going to this loan and the car insurance and since now that school is on break, I don't have the financial aid until Mid-February and Silver ** offered putting the payment off to January. But then her supervisor said no because if I wasn't able to pay December then how would I pay January. So I told Silver they could just come and get the car and I am sent a Voluntary surrender form to fill out. But then I start thinking what sense is it to surrender the vehicle if I am still going to be charged daily until they sell the vehicle and storage fees and repossession fees and whatever they did not get when they sell the car. I speak to my co-signer and they agree to pay January so I call and let Silver know this and she had an attitude then. She said so now you want to make an arrangement. It was her tone that was rude but I overlooked it being that I am the one that is late with her payment. So after explaining to Silver how January would get paid, she spoke to her supervisor and it was agreed that December's payment would be deferred and that the necessary papers would be emailed to me. I checked and checked my email all that day and all Christmas day and nothing, no email from Silver with the documentation for the payment deferral. So on December 26, I call 800loanmart and no one comes to the phone after several attempts. So I go online and chat with an online agent and I explain to them the situation and the paperwork is emailed to me. I signed it and faxed it along with the disability final payment later and I thought all was well until tonight January 3, 2014 at 5:13pm. And the call lasted 31 seconds, I get a call and I said hello and the caller asked, "Can I speak to Sierra **," and I said, "This is Sierra **, how can I help you?" The caller said, "This is 800loanmart and we need a payment," but as with Silver **, it is her unprofessional tone and very tasteless demeanor and I tell her I spoke with a Silver ** and faxed over the necessary paperwork so I don't know why you guys are calling me. She says something else (I can't remember, was so thrown off by her tone) and I tell her the next time a call is made to me make sure it is someone who is professional.The agent yells, "Pay your loan," and and the call got disconnected and when I called back to complain, I tried several times with no help. After calling back again, I get no other than Silver ** and I am telling her what is going on and she says to me, "Now moving forward, what are you going to do about your bill?" And I told her, "No, not moving forward, moving backwards. This lady called my phone and was rude to me." She said, "Well what do you want to do about it," and I said I would like to speak and before I could finish my sentence she just put me back on hold. After holding for a while a lead agent named Nick came on the line and apologizes for the ways of the agents and after all this the problem was that they never received my payment deferment paperwork. The rude agent that called my phone the first time could have said this. This company is nowhere near professional and even though this agent Nick apologized for the rude behavior of the other agents I believe that these agents behave this way all the time and it's no big deal to the company. Please know that every month this company gets their money even at the cost of me not having any of my needs met. This would be the first time this has happened and I really don't have it and I am putting pennies together to make sure they get their money, I don't even have the money to put gas in the car to drive the damn thing but I make sure they get their money just this one month I am doing really bad and to let their agents call and talk to me any kind of way. People reading this, don't do business with them, if you need the money that bad, please find another way. This loan is the biggest burden ever. The agents really make you want to go there with them and I was so ready to tell these two agents you have my address bring it on, they're just so ill-mannered.So day number 2 with these clowns. I was told last night by Nick that I could still fax over the loan deferral payment documentation since it was never received the first time. This was on January 3, 2014 but the next day which is today January 4, 2014 I get online and request that the document that need to be signed by me if they could be faxed instead of emailed because I did not currently have access to a printer. By the time I would be able to access one it would be later on in the day (waiting to use the library's printer) but was told to contact the agents by phone. I was given their fax number to fax the documentation. The agent did not get it that I needed documents sent to me. So I call the company over the phone and the lady tells me I am no longer offered that option and that is that (reminded me of when I first tried to get a loan with them and a lady told me "your car doesn't qualify, you can't get a loan" and to only have a agent call me a week later asking me was I still interested in a loan) so I hang up and call back and ask to speak to a supervisor and am helped by a nice young man who tells me of course and tells me he is going to transfer me and to ask for a man named Lester **. I was so happy to get help so I waited and waited and waited and waited to only get a general voicemail system after all that waiting. I call and I call and I finally get another man on the phone who says "I am going to go behind my supervisor's back and fax you the documents" and even asks me when would I like him to send them. I tell him right now would be fine and I give him the number. He agreed and said "ok ma'am, I am going to send them right now" and that was almost 2 hours ago and still no fax. These people are heartless. They want to be able to take your car. I am not driving the car anyways so it makes me no big difference aside from me wanting to pay my bill I have with them. But because of all of this they have made me do my homework and get solid advice from a lawyer and I am glad I know my rights when it comes to them and my property and them coming on my property and how to deal. If I wasn't so determined to pay what I owe them I would have them come get this car because dealing with them is like talking to a newborn baby and to be real a newborn understands more than these people. You explain things to them and they act like you're speaking Chinese instead of English and they send you emails and tell you to email it back to yourself and they can't spell worth a penny. It is crazy. Again anyone reading this read my other post under the name Sierra from Los Angeles and take heed and run from these people. I know times get hard but if I had knew that these people were unprofessional, immature, senseless jerks I would have rather be hungry with nothing than to do business with this so called company. There is no need for them to respond and tell you guys that they strive to provide excellent customer service and that they have mailed me a letter in response to my post. It is all mess. They will mail a response that is either extremely rude or very generic and do nothing to the rude and unprofessional agents they have working for them. It is plain and clear to see if there are numerous agents providing the behavior these same agents know there will be no reprimand for their behavior. It's not just one or two. It is several agents that have been either rude, gives wrong information, puts you on hold and does not come back to the phone, says they are going to do something and they do not. Run.