Nuvell Financial Services

I am currently behind by 1 car payment with Nuvell Financial. I have had this loan for 4 years, and am in the last 12 months of my payments. In the past 3 years I have been behind between 1-14 days, more than a couple of times due to a change in my situation. I am currently making 1/2 of what I made when I took on the loan. I have had to make special arrangements and back date payments, but I have never defaulted on any arrangement I have made with the company. I always adhere to the new payment date. Yet, the next time I happened to be a few days behind, I started getting calls from the Collections Department of the company, which is located in the Philippines.

The calls continue until the payment is made. I get the calls on Sundays and holidays. During my time with this company, I have received calls on Thanksgiving, Christmas, Easter Sunday and the 4th of July. That I was called one time on Easter Sunday, and Christmas Day is inexcusable! This time, I am being called more than 5 times a day, at all hours of the day. My next payment is not due until May 20th, and since April 20th I have received a total to date, of 528 calls from Nuvell's Philippine call center. The call center representatives are unintelligible, and do not understand American vernacular. Please do something to stop these calls.

I have requested my pink slip title of ownership and I have not received a response. I paid off my vehicle a year ago and I still have not even seen a response.

Someone calls me everyday harassing me about my car payment, always threatening and smart alec. These are the types of people that make people get so angry that they lose their tempers and do stupid things or commit suicide. This should be illegal.

In June 2009, I was contacted by a CSR from Nuvell stating I needed to make a payment. The CSR informed me that I only had 4 more payments left to pay off my loan. I informed her that I was out of work and would try to get payment in as soon as possible. In August 2009, my vehicle was repossessed due to non payment. I called Nuvell Redemption to see what I needed to get my vehicle back as I had just been hired and could get a loan. Nuvell Redemption informed me that I needed the 3 months past due (May, June, and July) plus repossession fee and late fee. It took me 2 2weeks to get the loan. But since then, I had lapsed into another month which meant I owed for 4 months.

I received the loan for all monies due, made the payment, and my vehicle was released back to me. My 4 payments that I had left on my loan was paid. In December 2009, my vehicle was repossessed again. When I called Nuvell Redemption, they stated that I had a balance owed from a "balloon payment" on my vehicle contract. I asked them to send me a copy of my contract and when I received it, there was no balloon payment on my contract. I called the Redemption Center back and all in all I was told I signed a "renewal process" on Sept. 17, 2009 (which I had not).

I asked for a copy of this said renewal process, but was redirected to Collections because Redemption said they did not keep such information. I phoned Collections and they stated they had no record and that the Redemption Department would have that information. I called Redemption back and was informed it was a refinance in Sept. 2009.

After calling back numerous times to get documentation, I was told it was a "maturity adjustment" during the conversion to GMAC, in which I had received a new account number. I requested a copy of my payment history and only received a 1 page statement showing from May 2009 through August 2009 on how my payment went from $575 in May to $6,005.90 in June, July, and August (with no explanation). When I repeatedly asked for documentation, I was told that my balance was from a "compound of interest" of late payments. The CSR rep who was a supervisor stated they should not have told me that it was a "balloon payment, renewal process, maturity agreement"; they had used the "wrong words".

I immediately mailed a certified letter of dispute to the executives of GMAC, but received no response, even though it was signed on Feb. 8, 2010. As of Feb. 23, 2010, my vehicle was sold in auction and I still to this day had not received any documentation on how I still owed for my vehicle that I had been paying on for 7 years. My original contract showed 72 months of financing to have been paid off in Jan. 2009. But as of Sept. 2009, Nuvell showed a balance of $5,428.74 which would be 10 "additional' payments to be a total of 89 months.

I am a teacher and an English department chair, however I missed 1 day of work and I may have to miss the rest of the week, since i have no car, and i have two children that need to get to school. Please help me.

I contact Nuvell regarding my payment history, due to the fact they continue to say my asccount is behind. Also I requested this information because my payment history does not match with what they are saying that I owe. This situation had orginally statred in August of 2008. They informed me seven times that they are going to send me my history and never do.So I sent in two paymnets and they said my account is still past due. And on November of 2008 Mr. smith said that since my account payment is due on the first and I pay on the 31st of every month I have to pay $436.01 in late payments.

Then they sent me a letter stating that they can adjust my payment more if they like. And stated that they cannot give me a payment history and refer to my monthy statment. I have enclosed my monthy statement to show the difference to the balance that I owe. I paid $1163.98 for the month of December and asked could they explain why I owe $ 2,375.98 and they refuse to clarify the matter stating that I'm 45 days late as of January 25, 2009, and I asked to speak to a manger they said to hold on and hung up.

This has brought about extreme hardship. Because my car note has changed from being $775.99 to $1163.99 a month and in my opioion it does not seem like I paying on my account and this situation has never accord before. I have purchased vehicles from other companies and when I called previously to get my payment history they sent it. Nuvell does not want to corporate with providing me with any information.

I requested my payment history, supervisors names and numbers and even corporate and they refuse to do so. I tried to get information about them from the internet and cannot access it. I would also include I am a single mother and that I feel Nuvell is taking advantage of me and maybe perhaps other concumers.

I have owned my truck for 2 years never over 2 wks late you can tell these people when you are sending in payment and the phone calls go on 7 days a week they will call on sunday starting at 8 am in the morning they just do not get it. I am not fussing about making the payment but when you tell them,that on a specific day to expect payment the harrassing phone calls should stop.If payment is not there on that date that is a different story.They also want to know about when your next payment will be there although it is not due until the next month.

If this is not harrasment I do not know what is. Needs to stop,they have got 2 years worth of interest so I am sure they would like for me to default so they can repo and sell the vehicle and then sue for all there expenses and balance owed.I am sure they would like to get double of what the vehicle was to start with,when I purchased the vehicle they said i had to buy extended warranty 5/100,000 miles so I am sure that got some interest off of that,plus loan was supposed to be 11 percent when it was all said and done it was 14 percent at least that is what fianance manager told me at Country Chevrolet in Warrenton ,Va i am not whining about the rate because I should have read the papers that fianance manager shoved in front of me ,sign here and here and hand you the keys. nuvell never again and I would not recommend any person to go through nuvell you are better off walking these fianacial instituitions prey on poor people!!!