1. Written by quitcherbitchendebtor, on 17-07-2008 18:18
OK for one TFS are all in call centers, each rep you talk to may be working in a totally different time zone, they use different systems to get information on the customer, the main collection call center is not even part of the Better Business Bureau so you can whine all you want, you signed the contract, the economy is horrible, it is attacking people that have never had financial issues, bottom line, tfs does work above and beyond for their customers, how many finacial institutions can you call and get 2 monthly payments extended to the end of your loan? and people who are at 4 months past due still have their vehicles, they take into account your complete history with the loan before a repossesion, you get a "warning" letter after 2 months late to cure the amount defaulted before further collection activity is taken and even after if you do not "cure" the amount you are in default for they setup payment arrangements for you. If your check was cashed by tfs & you call b/c it was not applied to your account they investigate, sometimes checks are mailed with no account number or various other reasons. Before your vehicle was out for repo you had sufficient time to make payment arrangements, if you did make arrangements and did not come thru on those then they see it as you avoiding the debt, and after the vehicle is repo'd you can make arrangements to pay and get it back before it goes out for auction, some vehicles have been held for over 5 months because the customer keeps making payment arrangements then calling back with different ones. Common knowledge as soon as you drive that car off the lot it drops in value, research before you buy, there are alot of programs to get your vehicle at close to kelly blue book value. yes the dealership does have to make some money, those dealers sometimes do not get paid for a month or more if they don't sell a car. and the total amount you owe to payoff is including your interest, you should get a copy of your credit report & credit score before you go to finance a vehicle so you can have a heads up on about how high your interest rate will be. On to another note, you are only venting because you know you owe and can't pay, why should it be sugar coated for you? If someone owed you money I bet you would not be offering as much as tfs does to their customers. If you don't like it go to one of those joe blow dealerships and really get screwed and when they get their people to come get the vehicle it won't be nice.
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