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Review 7/10/2011
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I can relate to anyone who has written about CPS. I got a loan from them unfortunately in 8/2007. I had never fallen behind or was late until 2010 when I was with my now ex-fiancé. However, they have been rude, threatened repossession, hang ups if you try and dispute anything that was being said. Also if I asked to speak to a supervisor, I would be transferred to someone who I thought was a supervisor, only to find out I was given a false name and extension when I hung up with the person. They would also call long before payment was due. There were also times when I would get someone who was polite.
Long story. However,due to a domestic violence situation, I left the residence. The car wasn't running and because I had left so suddenly (he let his ex-wife beat me and she went after my daughter), the car remained there until I could get it towed - I had no idea where I was going to be due to the circumstances. I still paid on the loan and called CPS to tell them I was no longer at that residence.
I guess due to the stress of the situation, I got very ill at the end of October and fell behind. Also, I told CPS what had happened and the car was still at the residence and still trying to find a way to get it towed over 100 miles to where I was now living.
They always had threatened to have the car repossessed even when I was making payments. I also want to add that I had been in touch with them over the months leaving voicemails until I got sick again in February 2011.
I got a call in May 2011 from a Monique stating my car was repossessed and sold at auction. She also informed me that their legal department was prepared to garnish my wages. I asked why I wasn't notified and she told me I didn't have to be. Then she added that a letter was sent to my old address and it was signed for by my ex-fiancés ex-wife. I guess he moved her in after I left. She knew I was no longer there and hadn't been for some time. She was there when I left because she hit me and tried to beat me up. Apparently even after giving CPS my new address and phone number, they still sent certified letters to the old address. Not sure why my mail forwarding information didn't kick in, but oh well.
Anyway, they refuse to send or verify the sale or repossession information. I was denied access to my payment history for awhile - then when I got into it a couple of weeks ago, found incorrect information, payments that were never credited properly, pretty much late fees for every month I had the loan, payment dates that were incorrect and multiple attempts to collect on my bank account for several dates in a row, plus a different auction amount that was told to me by Monique.
She has been harassing me a lot at work, calling me because she wants me to pay the balance. I have no idea what the real balance is if any. The original loan was for $6904.25, I have paid approximately $197 a month since 8/2007 til 11/2010 - plus I was told it was sold for $3,000 at auction..so how much could be possibly left? I was wondering if this is why CPS refuses to send me verification?
Here is how it breaks down $6904.25 is the contract amount and amount financed - 37 payments of $197.00 = $7289; $3,000 sell at auction. Total amount on the loan is $10,289.00 - well over the contract amount. Not sure how I owe any additional payments. It states right on my loan that the amount financed and contract amount are $6,904.25 plus I paid $700 down on the car when I purchased it.
Is it true that because they are the original creditor I am just to take them at their word and they do not owe me any documentation?
I cannot find an attorney who will help, they are stating that CPS turns around and counter sues and wins because they are stating they are not acting as a debt collector.
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