National Auto Finance

I told them to harass me once again if anyone of them could speak English! I also am very upset at this company for outsourcing American jobs to the Philippines. It is sickening to me. I just want to pay this loan off and tell them to kiss my ** ass.

I, Stephanie **, am writing to Consumer Affairs to complain about the harassment that I have received from National Auto Finance in regards to my car loan. The following has occurred.

1.) Constant verbal threats to repossess my car (inappropriate tone/yelling during phone conversations by reps from National Auto Finance). 2.) Representatives are very rude and confrontational. 3.) They are calling me constantly on my job/place of employment after I had requested several times not to call me at work. 4.) They are outsourcing their calls overseas; therefore, it has been extremely difficult to communicate with the phone reps. from the Philippines and other countries. 5.) Phone reps are calling my family members and friends harassing them regarding my account/payments and cell number for contact. 6.) Reps are misrepresenting themselves on the phone--pretending to my family and friends that they are calling for another reason (leaving messages on my family's/friend's voice-mail). These threatening, outrageous, and inappropriate behaviors have taken place over the entire course of my car loan (payments). Although I have been behind on my car payments (absent from work due to health problems, no sick leave, had to take leave without pay; therefore, a reduction in the amount of my paycheck) no one should be subjected to this harassment.

Over the years, I have spoken to several supervisors to complain and to ask for assistance. However, based on the reoccurrence of these behaviors, nothing has been done. It appears to be a systemic problem within the company. By writing to Consumer Affairs, I hope other consumers/citizens will become aware of the damaging, inappropriate, unlawful, and threatening practices that National Auto Finance/Nuvell perpetuates.

In Oct 2004 I purchased a vehicle financed by National auto Finance with a 66 payment agreement @ 17.99%. First pmt on Dec 2004. Because of financial issues I requested a total of 6 deferred payments at different times during now and the beginning of the contract. When requesting deferrals all I was told was that each deferred pmt would be set to the end of the contract.

I've asked for a payoff amount and I am being charged an extra 8 pmts on top of the 6 months deferred making a total of 74 pmts. To my calculations I now owe a total of $6,600 to be paid within the next 11 pmts. A supervisor @ Nat Auto Finance explained that the extra amount being charged is because I had agreed to pay that much extra for the deferred pmts.

I would have never agreed such high charges. Can Nat Auto Finance get away with this? Please advice. Paying the amount that National Auto Finance is trying to charge seems high robbery. This charges will put me behind on paying for my daughter's education.