Please help! I allowed my car insurance to lapse 4 months while I was unemployed and the financier of my car deducted half of one of my car payments ($293.) to cover their own added insurance. (This wasn't explained to mr till last Saturday). Once I reinstated my own insurance, the financier cancelled theirs but I never knew that my payments were now classed as late and 30 days past due, (the amount of $157.).
I called the financier on my ownl ast Saturday and a courteous rep explained the problem and asked when I could make a payment to become current. I told her either that following Mon. or Tues. Monday was a national holiday so I mailed the payment from the post office Tuesday morning before 10am.
I then received a call from a different rep that Tuesday evening after 6pm and we bumped heads. I didn't like his attitude and vice versa. So he states that he's going to reposess my car. I stated, my payment for all that I owe ($465.) was already in the mail and that was per the conversation I had with a different company rep on Saturday. I also mentioned that I had a grace period for my regular payment not due till 10 days after the due date. He claimed I didn't have a grace period and to read my contract. I did and it didn't say anything. Mind you I've been using my grace period for 1 1/2 years while making payments. Never a problem.
So I'm hiding my car till my check clears and I know they received the check on Wed. because they are in Valencia, Ca. and the check was sent from Los Angeles.
Can he disregard a verbal agreement made with a different rep because he didn't like my attitude. I asked if the call was being recorded in the event I have to go to court with that company and he said yes. Thanks for any response and sorry so lengthy!
I called the financier on my ownl ast Saturday and a courteous rep explained the problem and asked when I could make a payment to become current. I told her either that following Mon. or Tues. Monday was a national holiday so I mailed the payment from the post office Tuesday morning before 10am.
I then received a call from a different rep that Tuesday evening after 6pm and we bumped heads. I didn't like his attitude and vice versa. So he states that he's going to reposess my car. I stated, my payment for all that I owe ($465.) was already in the mail and that was per the conversation I had with a different company rep on Saturday. I also mentioned that I had a grace period for my regular payment not due till 10 days after the due date. He claimed I didn't have a grace period and to read my contract. I did and it didn't say anything. Mind you I've been using my grace period for 1 1/2 years while making payments. Never a problem.
So I'm hiding my car till my check clears and I know they received the check on Wed. because they are in Valencia, Ca. and the check was sent from Los Angeles.
Can he disregard a verbal agreement made with a different rep because he didn't like my attitude. I asked if the call was being recorded in the event I have to go to court with that company and he said yes. Thanks for any response and sorry so lengthy!