Westlake Financial

I am 1 payment behind, and they called me constantly, saying they are going to pick up my car, even though I just made a payment. They are very rude and unprofessional people. This is not the first time I have heard of this bank being so rude. Something needs to be done about these people, like they should not be allowed to work in a place like this. They have a lot of fixing to do. Don't they want to be a professional bank.

My vehicle was stolen out of my driveway this morning. I filed a report with the police and filed a claim with the insurance company. I called Westlake at 7 AM CDT to take them to GPS track the vehicle and they notified me that the dept wasn't open and to call back. So we called back, when they opened and George notified us to fax the card we got from the police department, so we did this. We have been trying to call them for an hour since then and no one will answer the phone. We have called continuously from two different phones and it just rings and rings until a message tells us to call back later. We can't even get the automated line anymore. I think this company is scamming us. When we bought the car Westlake required us to have a GPS installed and I think they stole our vehicle. If I find this out, I plan to sue the ** out of them. I may sue them either way. Someone help please!

I have missed a monthly payment for my car, and this is not the first time, I have been late before, regardless, I still made payments to stay current. I wanted to know my rights as well as the laws of receiving a call from bank.

The first time I became late, I was called several times at work to where my boss got on the phone and stated that personal phone calls was limited to the employees. Still, they disregarded that statement and continued to call several more times, talking to every co-worker in the department, mentioning that they were in the process to repossess my car and requesting for my information from my co-workers. Being that I work in a hospital, our information is confidential. Do they have the right to do that? Isn't that threat and harassment?

It has been several months since I purchased a car at Pedder Nissan Car Dealer in Hemet. It was picked up in front of my house six months ago by a towing truck paid by Nissan Car Dealer. I had an Expedition 1999 book for $2800, I used it as a down payment. The car that was purchased from this car dealer was approved by Westlake Financial Services.

Because I was having problems within a few weeks after purchasing, I wanted to bring it back and get my Expedition back because I was having a lot of issues with it. One day, I was driving along freeway 15 towards Las Vegas around 8 p.m. when the car just stopped and did not start. I called one my friends to help me so I can get home. I had to come back the next day to pick up the car and paid my friend to get it started.

I discussed this with Pedder Nissan financial manager and the person who handled the loan. She told me that it was too bad but they can't do anything about it because I've already driven the car from their parking lot. She was very upset, nasty over the phone. I asked about the condition of the car and they told me it was well-conditioned and they don't think the car would break down on me. I have no knowledge regarding cars. I thought they took advantage of me.

Now I am car-less and still in hole with the collection agency for the check they've sent to collection agency. Westlake Financial sent a letter to me that the loan was canceled. It means that I no longer have an account/contract with them. They have re-assigned the contract back to the selling dealership. I called Nissan to discussed once again the issue. Prior to this, the bank decided to close my account. Nissan refused to give me my car back and the check that I've issued as part of my down payment $1250.

Prior to all these, I've discussed with credit department and the manager regarding returning the vehicle to them. My complaint was, when I wanted to settle this issue, I was ignored and they refused to take the car back, they refused to give me my Expedition and the check. When Westlake Financial closed my account, they asked Nissan to re-pay them for the loan of the car I've purchased. Nissan re-paid them and took the car back from me and I've lost the Expedition plus I have to deal with collection agency who wanted their money. I'm sure that the vehicle that they took from me was sold for the same amount, which was 21% they charged for it. Now that I want my car back, I never heard anything from them! And the collection agency paid them $1250. Now they got paid 4x maybe more from this deal.

Please help me to reconcile and to recoup the vehicle I've lost plus the $1250 I had to re-pay to the collection agency. Expedition Kelley blue book $2800, $1520 total of $4300 including the agency penalties/charged. Your help is very much appreciated.

So I've been a victim of my own stupidity. I defer in one payment and at the beginning of the loan, I was late quite a few times--10 out of 39 payments. I finally, in the last two years of the loan, actually caught up with the payments and life was good.

Now before I get to my complaint, I have Westlake Financial as a lender so these ** are a dollar short from being a shark loan. We know it and they know it, well, I actually got to the 36 payment without a hitch but--wait a minute--at the end of the loan, I checked and realized I still own a thousand over the loan amount due to a defer payment and the late charges.

Now yes, I could have done better and not have to deal with this but like with some other companies you think, well I'm sure they'll understand. Boy was I wrong. These people not only have been rude but they called me a liar, a thief, and a dead beat. Okay--wait a minute--I have paid in 36 months over 12000 dollars and I'm not good enough now, the loan with a (and I'm the thief) 21% interest rate and the late charges and all ended up being four thousand dollars over what the price of the car was. I paid, but I was still not good enough. They keep on calling when I call them five minutes prior explaining that the remainder 174 dollars that I own them would be paid three days after I had made a payment of 800 dollars. And then this ** told me, "Well are you gonna have the money to pay the repo company and pay us because I am putting this note here that says this truck needs to be repo asap. We have a tracking GPS on the truck and we know exactly where it is right now and they will take it from you tonight."

I have taken this ** apart from the panels to completely replace the electrical system and the dashboard and believe me, I told them, "You ** are not James Bond. I have 10 pits that will tear anyone's ** just by snooping close to my yard. So you and your GPS can kiss my **."

But you know what, I felt offended so I asked to speak to his supervisor and the ** told me, "I'm my own supervisor." I just laughed then hung up. Right after that, they have the audacity to send me a "How Am I Doing Feedback Report." Now that crap is funny so needless to say, I won't be doing business with these loan sharks anytime soon.

My wife contacted them after 9:00 this morning. Marcella was the contact person. Marcella told my wife if we turn in list of references, proof of employment, proof of residency and make payment before noon, there should be no reason we cannot get the car back today. I faxed this information at 10:47.

I called them at 15:00 and Marcella tells me they will not have the information until Monday. Marcella's supervisor then tells me because they have not received funds or the funds have not been released, and the repossession company has not sent the bill for the repossession, they will not know anything until Monday.

My problem is they have had most of Friday to verify funds and to get the bill from the repossession company. I then asked who was going to pay the storage cost for the vehicle for Friday, Saturday, Sunday and they said I would have to. They place the repossession order on the car because they said they could not reach us. That is a load of crap and after further questioning, it became apparent that they chose to call us on a number that we told them was the kids phone and one we the parents rarely answer. If you want to call us, you have to call the cell phone they know this. It is apparent to me they are trying to scam me and my wife out of more money.

I make my payment each month (about $350). I always pay more, one or two hundred more. I ask that before it's applied to the principal. They don't; they apply it to next month's payment so they can get their interest without dropping the balance. I want it corrected from the start. I want the interest corrected from the first payment. This caused stress, a lot of it, each month.

I took over payments on a vehicle from a person who wasn't able to pay any longer. The loan stayed in his name. I paid the one back payment that was due. Then I was told I needed to make two more payments because of bounced checks from the person on the loan. They say no checks came back to them and Westlake was lying to get money. Well I paid $65 to defer the payments then my next payment would be due on Aug 14.

Last week I got a call from a private number the person was threatening me saying he was the repo man coming to pick up the truck. I told him I didn't think so and hung up on him. On the other line the person I got the truck from was calling he said they threatened him and cussed him out. They told him he was going to jail because he fraudulently signed the loan contract. They said he never was intending to pay the payments. Even though there is only a year left on the loan. I called them asking what the problem was they cussed and called me a thief. I told them a payment wasn't even due yet and no one better come try to take my truck.

They yelled at me and demanded I send money. I told them I would on the due date and nothing before then. Then Jerry a supervisor got on the phone he started screaming at me threatening me with jail and that he was going to report the truck stolen. I told him I knew the law and I wasn't going for his lies. My wife got on the phone as I was boiling mad. He cussed at her called her a mom and a worthless woman and to put the man back on the phone that she didn't need to even speak to him. She cussed him back and told him never to call our house again. They haven't since. If you search google for westlake financial complaints you will find a plethera of them. Some were threatened with death, jail and terrorist threats. One lady was told to take her black ass back to Africa and she was only answering the phone and had nothing to do with it.

They are raciest and unethical you will find thousands of complaints on them and people wanting to file a class action lawsuit against them.

They have and continue everyday to break the Fair Debt Collection Act. They must be stopped. I am begging for help with this. No one is going to threaten my family this way. My wife was crying and so upset. We began searching online finding others complaints. The owner of the truck said his references have been getting called and threatened everyday. It is a real mess. Please help.

My Lender contacted me with an offer to renew my Physical Damage Car Insurance for another 6 mths I chose to renew because it helps me save on my Car Insurance.

According to my contract I have 28 scheduled payments with the lender in the amount of $424.64 which included Physical Damage insurance. After I renewed my insurance my car payment increased from $424 to 461 per month

I contacted the lender and was told that although my insurance premium had actually decreased. My payments increased. I would like to know if this is illegal and if so I am going to pursue this issue.

I am 30 days behind on my car payment. My car was repossessed. I called them this morning (the next morning, it was repoed at night) and asked for the amount I needed to get it out. She stated that I had to pay $238.00 today or it would be sent to Arizona for an auction. I stated that I could pay the full amount due $641.00 on Friday (two days from the day of our conversation). She stated that it was going to be sent to Arizona and I had no recourse to get the car back.