Complaint / review text:
My husband and I financed a car through Westlake Financial in Feb. 2014. The loan term was 17 months. I was told that it's very important to make at least the first payment on time. After we bought this car, I lost my job and ended up being 7 days late on the first payment. They contacted the dealership that I purchased the car through and had them sign a deferment for 3 months, saying that if we were late again, the car would be repoed. We NEVER signed this paper or even knew it was in existence until yesterday...
Made the payment in April early and then due to a new job and pay days being different, I logged onto my account at Westlake and did a payment due date change, from the 8th of every month to the 23rd of every month. Westlake changed the date to the 13th instead of the 23rd. So I was, according to them, 35 days past due. I spoke to a rep in May and she said she was unable to tell me anything unless my husband sent in a statement saying he gave permission to do so. So we faxed in a letter stating that. They said they never rec'd fax, so we faxed again, only to be told that it was not his signature.
I rec'd daily phone calls, up to 4 times a day. I spoke to a rep named Nancy on June 13,2014 and set up a payment arrangement for today, 6-17-14, in the amount of $400.00 and then another payment arrangement for July 1 for $245.00, which would have made me current. Nancy took my debit card info and confirmed the arrangement. Yesterday, on my way to work, I stopped to get gas and a car blocked me in. It was the dealership that I bought the car from, saying that they bought the loan back from Westlake Financial.
I flipped, since I knew I had the payment arrangement with them. So I called Westlake and after talking to 3 different people, the last person, named Marta, asked to speak to the dealer, as he was standing in front of me. She wanted to know why I was calling them and he told her I did that on my own free will. So after I get back on the phone, she became very rude, as I was explaining the situation to her. She then said that the payment arrangement was void as of 2 pm yesterday, so she voided the payment arrangement while I was on the phone with her, AFTER they sold the loan back to the dealer. And then she hung up. I have read the review on here. How can they get away with this? They seem to prey on people with less than perfect credit and then refuse to work with them or keep promised arrangements.