Love letter from the finance company.

[taranaki]

6 months ago I got a huge pay rise.
To celebrate, I went out and bought a Skyline.Straight off the lot, no quibbling about the price, no quibbling about the finance terms,an extra 200 dollars a week in my pay packet meant that I could easily afford to be lazy and go with the sales yard's terms rather than shop around for finance.Besides, the car was in pretty good order and I didn't want to see it sold while I arranged to pay for it.So I signed, handed over the deposit and took possession.Very happy.

Today,I am not happy at all.I received this letter.

PREPOSSESSION NOTICE

This is about your 1994 Nissan Skyline,Grey,which is subject to a credit agreement with Assclown* Finance.The agreement is dated 29 July 2004.

This is to notify you that
*you are in default under that credit agreement,and
*the default consists of NON PAYMENT OFINSTALMENTS.

YOU MUST, within 15 days after the service of this notice on you, pay $107.85 to Assclown* Finance C/- [address].

That amount is made up as follows:

1 instalment dated 29/12/04 of $107.85

IF YOU DO NOT COMPLY with these requirements within 15 days after the service of this notice on you,Assclown* Finance INTENDS TO TAKE POSSESSION of the Nissan Skyline,Grey.

Dated 13/01/2005.

:

to further support their claim, they included a printout of their records,a portion of which I have scanned and posted for your amusement.



As you can see,

1.They're demanding the wrong amount
2.They're claiming that payment was missed on the wrong date
3. A payment has been made since the alleged default.

So......WHERE THE FUCK DO THEY GET OFF ON THREATENING TO REPOSSESS MY CAR?

....Well, if you look at the log, there is a gap in the records.A payment of $129.38 should have been recorded on the 16th Dec.It was taken from my bank, but apparently ,Assclown* Finance stuffed up.

I made a phone call to the bank, then a call to the finance company.within 10 minutes, I got a call back acknowledging that I was in fact up to date with my payments,and it was their error.

My big beef is this.

This ridiculous demand was mailed to me. Had I not cleared my mail within the 15 days,the first I would have known would be a goon in a tow truck turning up on my doorstep. I could have been trying to block a Neanderthal from taking my car over an alleged debt of 100 bucks........less than a half day's pay.

I realise that there are people out there who bilk their payments, but my credit record is spotless.Even if I had missed a payment, I would expect to be treated with more common courtesy than this. I now have the added hassle that I have no confidence in the abilities of Assclown* Finance's accounts department.Rather than risk having them turn up and tow my car, I am going to look at refinancing through a more competent institution.My bank has already expressed an interest in refinancing on my behalf.Even if it ends up costing me a few extra dollars, the peace of mind will be worth it.Two years is a long time to be in the hands of morons who can't even read their own paperwork.

Those of you who visit the political forum may feel free to imagine the conversation I just had with the car yard. Until this morning, they were more or less guaranteeed my repeat business. Guess it won't happen now.

*Assclown Finance is not their real name.If you ever plan on buying a car in New Plymouth, PM me.

[TaNK_Em]

Its there typical bullshit, When someone screws something up within a business and they don’t know about it and they think there not getting the money they deserve. Their asshole mode turns on and they start their bullshit. I am personally sick and tired of paying money to companies that turn around and pearl harbor you with crap. They threaten to repo your car after over one little damn thing like that? What a bunch of assclowns.

- Kevin

[KustmAce]

Glad everything worked out for you

[Oz]

Are you sure your wife had no part in this? Even if the answer is no, are there any openings at Assclown finance?

[82KnightRider]

My dad has a repo buisness,you better be careful........hehe

[clawhammer]

Good thing you didn't loose the skyline.

[BleedDodge]

100 bucks is less than half a day's pay? What do you do for a living?

[taranaki]

Originally Posted by BleedDodge

100 bucks is less than half a day's pay? What do you do for a living?

I sue the fuck out of repo men

[82KnightRider]

hahaha

[imtheoneandonlyD]

lots of companies will try to screw you over.

About a year ago i bought some software online and when it didnt work properly i emailed the company asking for my money back stating the i deleted the product and it didnt work. I got the run around for 2 months and was then told that the refund period was over and that i could no longer get my money back because i took to long.

Thats when i went off and wrote a huge email to them about it and i finally got my money back. hardest 75 bucks ive ever gotten back.

[82KnightRider]

After a certain amount of time if the people dont come back for there personal belongings my dad gets to keep it all.........Ive got some cool stuff over the years cuz of that.......

[-Davo]

I financed my car my self, the only down side is I had to work my arse off for months and not spend a cent to get it. If I went through a 3rd party company, I would end up paying over 3 grand just in fucking interest, and heaps tax, fuck that.

I hope you kick their asses, and tell them to reposses their brains, cause they obvoiusly don't have much.

[sltdhs]

First of all...if I were you I would have been real cautious about taking out a loan with some company calling themselves assclown. It shows that they don't have much respect for themselves and if you don't respect yourself, you won't respect your customers.

Just kidding...

But seriously...If they sent you a repo notice there is no telling what they may have reported to the credit bureaus. You may have a flag on your credit report which will haunt you for 7 years or longer. My suggestion would be to get a copy of your credit report and make sure they didn't report late payments or a default. If they did, get on the phone now and make sure they change it. Messed up credit is hard to recover from and waiting to fix an error makes it harder to get it fixed.

You can get a free copy of your credit report through yahoo.

Good luck...

[taranaki]

Originally Posted by sltdhs

But seriously...If they sent you a repo notice there is no telling what they may have reported to the credit bureaus. You may have a flag on your credit report which will haunt you for 7 years or longer.

Thanks, but that was one of the principal causes of my irritation.It was one of the points that I 'clarified' with these idiots while having a 'quiet word' with them.It annoys me no end that car sales yards will lick their own butts in order to sell you a car, but as soon as you sign the finance papers, they think that they own a piece of you,and cantreat you like shit regardless of who is to blame.

[Jimster]

It was that fuck-knuckle Goldstein again, wasn't it...... Time and time again I told him.....