Lobel Financial Corporation

As of December 27, 2010, my car was repossessed. I had a verbal agreement on December 23, 2010 with Lobel Financial to pay on December 28, 2010. On the 27th, that night, they popped the lock and took the car. I had the money that night and was going to pay that morning, on the 28th, as agreed on. There was no way I could pay to get it back out. I felt that they went behind their word. So in May of 2011, I spoke with someone named Peter and I told him I have to talk to my husband to see what we can pay monthly.

All of a sudden, we started getting a bill starting for June. I was not working and from my understanding, they were working with me and my husband. Then all of a sudden, on October 8, 2011, a server knocked on my door saying we had a court date from last month. That was not true, we did not receive a letter about any court date and the court was way in Orange County. We did not have any knowledge of any court date and now, I'm not working and my husband is trying to make ends meet.

We have thirty days to comply and I feel that they broke their word from last year. We honestly don't know what to do and we made the mistake of getting a car from them, not knowing they will try to do anything to have us get this car. Now, I don't have a car and in debt. I thought it was illegal to break a chain on a private property. They said they didn't. They went back on their word. Please help. Thank you!

Lobel Financial started charging us extra every month because they said we didn't have insurance on the car. We sent the paperwork numerous times showing the proof of insurance, and they said they never got it. This last time, they said if we send it in, they will retroactively apply the credit to all payments that they over-charged for. We sent it in again, they finally confirmed receipt, but then said they don't know what we're talking about as far as retroactive application of the credit, but that it would only reduce next month's payment. They refuse to talk to me directly, even though they have records of my husband repeatedly authorizing me on the account. They demanded a faxed letter of authorization, which we sent, but after 24 hours they still haven't processed it, so they still want him on the phone every time I call. There is only one manager, who is always "in a meeting" or "unavailable" and supposedly no one else can help us at this point. This is the worst company I have dealt with, and the most terrible customer service I have come across.

The car came from Auto Access, now known as Chargers Auto Sales. I received the vehicle in December 2009 and I was in touch with Lobel Financial, as early as January 2010. I was having problems with the vehicle and I contacted the dealership and Lobel. The dealership promised to repair the problems and some of the issues were corrected, but not all of them. I contacted Lobel and informed, whoever answered the phone, that I was having problems with the vehicle. The Lobel representative told me that there was nothing they could do and try to persuade the car dealership to owner their oral promise.

On or around April/May of 2010, I became homeless. I contacted Lobel and informed them of my living arrangement; however, I still made the car payments. The vehicle continued to give me problems, such as sputtering while I was driving it. The check engine light would constantly come on and there was an eerie creaking sound coming from the tires, every time I turned. I had taken the car to be tuned up, rotated the tires, and bought new and used tires and still the noise continued.

I was late making payments in June, July and August. I had called Lobel and informed them of this and that I would make two car payments in order to catch up. The representative on the other end said that it was fine as long as I communicate with them, we should not have a problem. Well, shortly after that my family, friends, co-workers and references I had listed began to inform me that Lobel was harassing them for the payments. I again contacted Lobel and attempted to explain my living arrangement to them, but to my surprise, this time, I was informed that they would use any information they had in order to recover the monthly payments.

Needless to say, I believe in late October or early November after calling my place of employment, my mom, and any other person associated with me, for three months with harassing messages and threats, a tow truck showed up at my place of employment and repossessed the vehicle. I was in shock because I had just spoken with them and informed them I would make a payment at the office in Kearny Mesa, CA, like I had in the past, as soon as I got paid on that Friday. I had no idea what to do or how to handle the situation; they never gave me any indication that they would take the car back.

They have been calling me repeatedly first at work and now at home about my account, which is one payment behind, leaving several messages each day. They are now leaving messages at my family members' home numbers, which I know is a violation of California's Fair Debt Collection Act.

They repossessed my vehicle after payment arrangement was made. They continuously harassed me at my job which caused my employer to put me on probation due to the receipt of too many personal calls which interfered with my work. They called and divulged all personal info to friends and family members. Also, they threatened me several times with profane language.

When they picked up the car, they broke the window to get inside of the car and pried open the door. My car is severely damaged. During the time of the repossession they broke into my secured apartment complex, broke into my car, got my garage remote and drove down into the garage, and they refused to hand over my garage remote. The "repossessor" also threatened to move me out of my car as I gathered some of my personal belongings. I had to call a police officer because I didn't feel safe.

The damage to my car door and window is enormous. My window will not roll down and my door won't fully close. I also incurred storage fees, repossession fees and administrative fees. The company agreed to a payment arrangement. After I sent the payment, the next day they picked up the car.

After being denied for a deferred payment in December 2009, I was then given info in February 2010 which suggested that I was eligible for a deferred payment simply by faxing a letter to Lobel Financial explaining why a deferred payment was being requested. I called around December 6th and requested a deferred payment because my car was broken into, and the money that normally would be applied towards my car payment was needed to pay for my vehicle's repairs and to pay for items that were stolen from my car (iPod and cell phone). I was told by the rep that I spoke with that because I hadn't made six payments yet (the car was purchased in May 2009), therefore I wasn't eligible for a deferred payment.

I received the necessary info to set up a deferred payment in February 2010; however, I've been struggling to catch up and make the payments on time because I was denied a deferred payment in December 2009 and given the wrong info by Lobel Financial. Had I received the correct info in December, I would have been able to set up a deferred payment and my account would not considered in default. I called Lobel in February 2010 to advise that because I was given the wrong info in December 2009, I would like to request a deferred payment for January 2010 and I will pay the February 2010 payment. I was told to submit a faxed letter regarding my request which I did.

I then begin receiving phone calls at work from Lobel Financial advising that they needed me to make a payment first for my January 2010 before my request for a deferred payment could be approved. This info was not given to me when I called Lobel requesting their fax number so that I could submit a request for a deferred payment. Lobel Financial also called my girlfriend who co-signed for my vehicle and advised her that I needed to pay them $140 by Friday of this week just to set up a deferred payment and they threatened to repossess my car and advised that the claim was in collections. How is it in collections when I just called you last week to advise that a payment has been made? The info they presented to my girlfriend was not info that was given to me when I called them to request a deferred payment.

I do not think it's fair that when I take the initiative to contact Lobel Financial to advise of my struggles that I'm given the wrong info and held responsible for the fact that I was given the wrong info, which ultimately resulted in my car payments being late. I even received a letter from Lobel Financial dated the same week that I sent them a faxed letter request for a deferred payment. They stated that I owed them two consecutive car payments and in their words "in future reference to not let this happen again". No accountability has been taken by them regarding this matter. As far as they are concerned as long as I pay up, my account will be in good standing. That's great, but if I'm calling you to advise that I can't either make the payment or I'm going to be late then I need the appropriate info from your end in order to rectify the situation.

Lobel started calling my employer many times twice a week since Dec.2009. They got to the point that the receptionist told to stop calling me at work and to call me at home. Then they called back and asked to speak with me when I wasn't available , they asked the reptionist to be transfered to our Human Resources Department, What for I don't know? Finally, I talk to them explaining my situation for the reason I was late on my payment. I made arrangements to make my car payment, on the 5th of Jan. 2010. The day I went to make my payment, I was in the office of the Lobel to find out that my car had been repossessed 30 minutes before I got there to their office.

I was 2 months late on my payments, now they want both month payments; $477 per month + $350 repossession fee + other fee which comes to a total of $1,405 to recover my car. My car was repossessed on the 5th Jan. 2010 around 3:30pm and I was at their office at 4:15 pm with my payment. I was told this on the 6th of Jan. and I had till the 9th to pay this amount, after the 9th at 5 pm another $477 for Jan. payment would be added to recover my car. Although Jan. payment is not due until the 12th.

Oh my, I'm so stressed out right now. I am 2 months, going on 3 months on the 10th, behind on my car note. I told them I would pay them on the 15th what I owe. Meanwhile, they have been to my job 3 times to get the car. I told them the car was at my house. They said that they don't want the car, but the shop called them and said that I failed to pay for auto-damage when the car has not been in the shop. I told her she was lying since the car is outside my house. She said they don't want the car anymore, saying it is no good because it's totally damaged, which is a lie. It just has a front fender damage.

They also called my spouse and told him that we are low-class people. She has called my job repeatedly and just recently, I told her I would have the money to pay, but they don't want that either. She got really nasty with me, talking bad and down upon me. I told her I'm at work and can't talk about this right now. She kept going on insulting me so I hung up. She called right back and my co-worker answered the phone and told her she cannot call my job like this and she got really nasty with her and said she could and will be sending someone down here, then she kept calling.

I don't know what to do right now, but the calls and nasty talks are really stressing me out bad enough that I want to pay these people and let it be, but they don't want that. I don't know what they want. Please help me. My job is put at risk with the harassment calls, visits to my job 3 times, and stressing me out when I talk to them and they insult me. I pray I don't lose my job because of this.

I had financed a car through Lobel Financial in May of 2009 and then suddenly in June, I became unemployed. I let the financial institution know of what was going on and fell behind on my payments. The company neither gave me anything in writing stating that I had an "x" amount of time in order to get the payments up to date nor did they give me a warning about repossessing the car. They simply came to my place of residence and took the car at 3:30 am. They have refused to try and work anything out. They have hung up on me, refused my phone calls, sent me to their voicemail, and have not returned any of my voicemail calls.

I have had my vehicle for a year and four months. During this time, my car was sold to me as a lemon. Oil leaks, dead battery and flat tires constantly. Nothing but ongoing problems for a 2000 Honda Accord which was also overpriced. I have fallen 45 days past due on my payments for May and June 2009. During which time, I consistently contacted Lobel to make some type of arrangements to bring my balance current. I was more than willing to pay my past due balance of $602 once I received my claim forms from the EDD which were lost in the mail and later sent back which made it very difficult for me to make a payment without the money since I am unemployed. I clearly stated to Lobel that the following week I would be able to bring my account current but I needed to have something in writing to secure my vehicle which they refused to do.

So today, 6/8/09, I received a call from two different gentlemen, Paul and Tom, supposedly from Riteway Investigations in La Mesa, CA. They continually called my phone about six times and threatened me that if I did not surrender the vehicle that they would contact all of my neighbors, my apartment management and whoever was around to ask them about me and my vehicle. First of all, my neighbors don't know me nor the type of vehicle I drive so why would they feel that this would get them the car? They also continue to harass my contacts on a daily basis. I have a recorded message from one of the gentlemen stating the threats I have spoken with a lawyer.

I purchased a car in 2008 with Lobel being the Finance Company. Due to paycut because I work for the state, I had filed for BK protection, 11/2008. I faxed Lobel Financial a letter along with the proof of the filing because they had been calling. They claimed they never received that notification. Un beknownst to me, they had contacted my daughter for payments which she was unaware of my BK filing, so she was paying them. In Jan and Feb. 2009, she made 2 more payments.

I had informed her that I had filed for BK and she should have told me before paying. Now they are saying because I made payments voluntarily, that the BK filing does not count. They have been harassing my co-workers, my boss and others. My BK was dismissed, Feb. 2009 and payments were to resume Mar. 2009 after the dismissal of the case. They still claim, too bad! A payment for Mar. 2009 was made of $185.00. They told my daughter that they would put March payment at the end of the contract for $50.00. My question is, if that is the case, where is the $185.00 for March payment being applied to while you are asking for another $185.00. They are still calling and harassing. My daughter uses the car for transportation and as far as my knowledge, during the BK filing, they were not allowed to make contact to anyone for payments but they claimed they never received the documentation. They also changed a contract from 24 mos. to 30 or 33 months.

When car was purchased, the first agreement was for the 30 or 33 months then the dealership contacted me and told me that the contract had been changed and to put my daughter on the contract as well. For some reason, that has disappeared as well.

I have a car loan with this company in which I made an agreement to pay 22 paymemts of $291.14.I am now paying 24 payments of $291.14. I have paid the 24 payments and was contacted by one of their employees saying I had one more payment and then my pink slip would be mailed out to me. I later received numerous calls telling me that I actually had $263.13 in late charges.

When I pay that I would receive my pink slip. I have tried to contact them in many ways to go over my records with their records to figure out how they came up with $263.13 in late charges. I have had many problems with this company. Anywhere from not ever receiving statements when my payment was due to sending me a print out of my payments and receiving it to never receiving anything else again. Their claiming to have a different address on file even though they had previously sent me a print out of my payments and I received it. I had recently spoken to an employee by the name of Tony.

Tony was not going to give me a chance to go over the charges I had questions about. He simply stated to me that he didn't have an answer for me and that he was going to make it simple for me I owe $278.18.What happened to $263.13? They are not willing to go over the charges with me so we can both get answers and we both can figure this out so we can go our seperate ways.

My Car got repo at my husband job last Wednesday. I had made arrangements with the company to get caught up by every Friday. My car was tow by a company called Precision Recovery & Locator. I made arrangements to get my personal things out the car and the told me that it would be a 24 hr waiting period. I call the next day and Jason told me that they never got it done. I told him I needed my things from the car and he told me to call next Monday. I called once again and still got another run around and that when i knew something funny was going on with this company. I paid my balance with Lobel on 3/3/05 and tried to pick my car up that same day but Precision told me that Basher had it. I called Basher and they told me that the car has not been check in yet. I was very upset now because i cannot locate my car. I got up the next morning and went directly to the Sheriff Department and then straight to Basher's Auto Auction.

I am only behind on my payment by 3 weeks, i got a notice in the mail on the 12-1-2004 that they would charge me a late fee for late car payment, well just a little bit ago a unmarked tow truck towed my car away, he wouldnt tell me anything, he just took my car, i called the finance co and they say they have no record of my account being repossessed, i called the police dept and they have no record of my car being towed, i got no notice from lobel financial that they were gona take my car. I have asthma and all my medication is in my car. along with my purse ans i have cash in the car to, no one will tell me anything.

so when they found a truck we wanted they got it financed and we signed papers they never said how much it was and we never bought a truck car ect....

so just to get someone to finance we were happy..So we payed $2000.00 down and been paying $492 a month since January 2001 . I figured well we should have about got it payed for and then a few weeks ago my husband wrecked and totaled it out. so when i sent the insurance check for almost $1500.00 they say we still owe over $1000.00

I told them they were crazy that we done payed over $12000.00 and she just said then that it was financed for $30000.00 dollars and we still owed like $17000.00. So I dont really know if there is any thing that can be done about this but I really dont think that someone can legaly double the price like this if it was even blue booked at half it was probably less. Also when we got the truck it had like 2000 miles on it and later we found glass under the seats like it may have been wrecked.

I sent a written request to Lobel, certified mail, requesting a breakdown of my account due to a difference in the calculation of my payoff when my vehicle was traded in. Attached to this letter was documentation to support my figures, showing a payoff of $12,746.65. Lobel claims the payoff on the loan was $13,607.82. Therefore, I asked them to explain this by providing me with an account breakdown showing all payments and any charges which they may have added to the account.

The company advised they cannot do this. I have been provided a printout of interest earned on my account in the amount of $5,704.44, from Mr. Gary Lobel, along with a letter to contact him should I have any additional questions. Since this printout does not explain the difference, on the payoff amount, I tried several times to contact him. However, he has not returned my calls, and the four other employees I have talked to will not explain the account, not will they break the account down. Since I faithfully paid this account for close to 2 years, no delinquencies, I did not feel my request was too much to ask. In addition, the employees which I spoke to stated that they did not know anything, and they were unwilling to find out or connect me with someone who could assist me.