Prestige Financial Services Reviews

I had made arrangements to make my payment on the 20th. When I went to check my bank account they had removed funds automatically without my consent. I never sign automatic withdrawal nor did I tell Cody or anyone in that company to touch my account. They had told me that they don't keep bank account information. So they lied. It is against the law to do this.

In all of my years I have to say this is ABSOLUTE worst company I have ever dealt with. I financed a vehicle with them and I was in an accident a couple of months later. My car was totaled, the other parties insurance company sent them a check but left me with a balance under $4500. I then got sick tried to make arrangements that was difficult when I got better and back to work started making what I thought were payment arrangements only to continue to get threatening letters. I constantly get conflicting information. It is if the left hand doesn't know what the right hand is doing. I am currently trying to settle on this small balance and boy are they being extremely difficult. No goof customer service. DO NOT do business with this company. They're beyond shady!

I purchased my 2012 Toyota Camry from Prestige Financial in April of 2014. The payments were outrageously high at $570 with an extremely high interest rate as well but I was in desperate need and didn't have any other options at the time. I paid my car note on time up until 11/2014 as my husband was laid off. They worked with us for a while until this month! They set up a payment arrangement for us to pay on 2/21 but had my car repossessed on 2/12 claiming we didn't respond to their text messages to confirm payment.

I hate Prestige Financial. This company will harass the ** out of you for NO reason. I got a car financed through them in 2010. I set up automatic payments. They took the money out 2 days early and over drafted my account so I stopped automatic payments. They call me every month days ahead of my payment, send me texts and emails and even called my references. May I remind you - I'm not late or behind on my loan so I cuss them out terribly until I decided to go ahead and get the automatic payments set up once again. They text me 2 days before my payment was due and I just knew they were confirming I set up the automatic payments so I text back yes. So I'm looking at my bank account online and these ** have took two payments of 399.61 and my account is in the negative of $73. I'm so pissed. I can't wait for them to open up tomorrow. Please if you are looking for a car catch the bus first if you gotta use Prestige. Horrible company - it should be a law against corporations like them.

I purchased 2008 trailblazer and was finance though Prestige Financial. This was the worst thing I could have ever done in my life! The card is a lemon. I have paid more money in repairs. I call my acct rep because it put me behind and was told oh "if you make arrangement to pay for 2 months they would pay for the repairs!" Liar, nothing. I have had this car for 3 years and still owe 17000 dollars. I will never pay this car off! I get a text & calls before my due date and don't ever be a day late, it's 8 dollars a day! I want out of this loan. They won't take the car! Please someone help me!

We originally obtained a loan through this company in May of this year. We only used them due to identity theft issues that had affected our credit since 2001. We let the dealership handle financing and wish now that we have researched who they used! In the beginning, everything was fine. Fast forward 5 months later, I totaled the vehicle in a multi-car accident. Our insurance company paid a very fair amount and we thought that GAP would step in and cover the rest fairly quickly. We've had to use GAP coverage in the past when we totaled a vehicle and never heard anything from anyone due to it being handled quickly. We got another vehicle just days after I totaled this one. GAP hasn't paid off the balance as of today and Prestige is now harassing us every single day. They called originally telling us they would reduce our payment to $130 from $617. We told them that we do not owe them a dime more due to us purchasing GAP coverage when we obtained the loan. It's not our fault that it hasn't been paid off. They're expecting us to make payments on a vehicle that was deemed a total loss over 2 months ago.

Requested printout of statements for past 3+ years of payments made to Prestige Financial. I was SHOCKED at the THIEF this company literally is! Of my first 6 payments to them, 1st and 3rd had absolutely no money got to the principal balance. All went to interest! A third payment, only allowed $37 into principal and the rest to interest. NO ONE can explain to me how the payments I make are divided and how much is determined to go to the loan and how much goes to the interest! Every payment made has fluctuated even though I have paid the monthly amount on time every time. Totally hate receiving phone calls and text messages days before my payments are due! By the way, still owe more than 2 times what my car is worth! Biggest mistake I have made!

I purchase a 2008 SUV in 2010. I lost my job and got behind by 3-4 months of payments (payments were $525.00 a month). They repossessed the vehicle May 2011 and now are saying that I owe them $12,000.00!! They are not to be trusted.

In 2007, I bought a vehicle that was financed through Prestige Financial for $17,000. I was okay with the car, the terms and everything until they told me that my payment was going to be right around $500 a month. My husband was making good money at that time, so I figured, "Why not?". Anyway, my husband ended up getting laid off two weeks later. When I asked Prestige if they would work with me on the payments, they insisted that I was to continue paying the $500 a month. When I stated that we would try, they were okay with it. A couple weeks went by and they continued calling me at least 3 times a week, including my job, and called my family members and references.

I GOT A 2012 TOYOTA YARIS. IT'S too little, want to trade it in, they told me they can't buy my loan back. The loan is too high, I own more than car and they said is 7.000. I own prestige 14,139.00. That too high, they are not right.

Back in 2007 I purchased a car and had prestige as my finance company, I made payments faithfully for over a year and then fell into a hardship. My payments were late but were still made then the harassment started, they didn’t want to hear anything i had to say. Then in 2011 5am in the morning they followed me to my job and repo-ed my car for a whole year after, I never heard a word from them but they tracked me down and found my phone number. I told them i hadn’t heard anything from them, they tried to say they sent out numerous letters and the letters were sent back. When i told the woman to send me copies she sent the envelope front which i noticed had the wrong address on them. When i explained to them that they had been sending them to the wrong place they didn’t want to take fault and they charged me a year’s worth of late fees and finance charges.

Prestige Financial Services, Inc. Salt Lake City, UT (a Larry H. Miller Company, local) holds my auto loan. This company does not follow any of the consumer protection and collection laws. They contact me via text and telephone and even on letters and do not disclose or display the collector's name or provide a return phone number to reach them back. They only say "Prestige Financial calling." My Prestige account representative, JoAnn **, belly laughed one day during a phone conversation saying, "Rene you will never pay this car off."

I have purchased a car from a dealership in Decatur Illinois and the lender was Prestige Financial - out of the state of Utah. And I got hurt February of this year 2014, and I was on workman’s comp for up to 4 and 1/2 months and got behind on my car payments. Now they are harassing me every day. They are threatening to repo the car but I was smart and knew when this was going to take place and I loaned the car to my brother which he is out of state. I wasn't there the night they sent a repo agent there that caused my wife to suffer having a seizure and she ended up in the hospital over this whole mess. They have changed what we have to pay to catch the car up and they would leave us alone.

Run, do NOT pass, go!! Do not use this company as they will fee you to death!! They charge you a 4.99 fee to set an account up online. They also charge a 19.50 fee to use their go.pfs.com to pay online. I complained to a representative about this fee because they do not tell you this on the payment coupon. DO NOT USE THEM!!! They are rip offs!!

Prestige financial approved a car loan for me (with a high interest rate due to a previous bankruptcy). I have paid my payment for 14 months and ran into an issue this month (my central air unit went out in my home, and we have been having 95-101 degree temps). Repairing my unit ASAP would delay my current payment by 10 days. I also have a 7 week old baby in this home so delaying the repair of the AC unit is not an option. I contacted my account representative to advise him that my payment would be late. I was advise if I didn't at least make a certain portion of my payment in 6 days I will be sent to the legal department. So now I have 6 days to stress out and decide if I allow my family to suffer or die from heat exposure or have transportation to get to work to pay any other bill because they can't wait 4 more days for payment.

I financed a car through this company - what a nightmare. I'm harassed to no end. They illegally went into my account and took payments without my permission. They call and harass my family as if it's their account. They make repeated threats. I wish I could find an attorney to help me.

I purchased a car after filing bankruptcy and receiving a letter of credit from Prestige Financial. Three months into the agreement I became very ill and could not make the agreed payment. They called me after the time for the payment has passed. My daughter had previously agreed to make the payment for me so I was not aware that they were not paid. When I got the first call from them, I told them about my illness and that my daughter would be making the payment and for the next day they called me about every two hours. Different agents, different numbers but they all had the same threats about what would happen if they did not get paid, even if I had to borrow the money from someone.

I filed Ch 7 bankruptcy and last year and the day it was finalized in court, I walked into a car dealership to seek financing. I was approved for a loan with Prestige Financial and there did not seem to be a hassle. The finance manager told me that even though there is a high interest rate of 20.5%, I should just make the payments and in about 6 months try to get with a reputable financing agency. I was so desperate for a car that I took the loan and went on. The first payment was due in 45 days and I made it on time. I was not sure why they were giving me "courtesy calls" before the note was even due. This has continued for the entire 7 months that I have had the car now.

I bought a car from them - big mistake. They gave me a 23% interest. I paid about 5,000 and they told me that I still owe 20,000 when the price of the car was only $12,000. They kept calling me aggressively and kept adding fees. They said they would pick up the car but they never did. Couple months later I talked to a friend that worked there and told me to do this. She said: "When they call you tell them you have a cease and desist letter and you cannot be contacted any longer about this matter." She also told me to wait until they call again and document the attempts, and to get in touch with a attorney and sue them so that's what I did.

I bought my car in 2008 and the dealership set me up with Prestige at probably 20% interest. But I wanted the car. Since then, they call and text and call and text and email and call nonstop from a few days BEFORE my payment is even due and threaten with repossession by 5 pm the DAY it is due. I have never been more than a few days late for SIX YEARS!! But despite paying faithfully every month, they continue to harass and call and text me. I have been perpetually angry since Day 1. Now I just paid it off. But can I get anybody to call me back about getting my car title? No. DON'T GET A CAR LOAN WITH THEM!! THEY ARE A MISERABLE COMPANY AND YOU WILL SELL YOUR SOUL IF YOU USE THEM!!

From the beginning, I have paid over the amount due each month and some months made more than 2 payments. I recently reset up a recurring payment schedule that is twice a month. As it turns out, because the second payment is considered by them to be "late" by a few days, they are saying I am in default when in fact I am ahead in my payments. I have by contract 8 more months of payments but since I overpaid, I have only 3 months. How am I in default? Keri refuses to acknowledge that I have indeed paid MORE than what is owed and that I am ahead of the schedule. I asked for my payoff amount and she refuses to provide it to me.

I purchased a 2008 Altima in 2008 which was financed for 72 months at $500 a month. My account shows that I have made 64 of 72 payments which leads a balance of 8 payments at $500 a month. I called for payoff on 3/24/14 and was told by representative that my payoff is $6,400. This does not include the $3,000 down payment that was made when I purchase the vehicle in 2008. I paid an extra $200 this month hoping to get the principal down.

I was in the process of a bankruptcy and I needed another vehicle to get to and from work. I was contacted by a dealer in Ohio that stated they could help me. They sent a driver to pick me up from Michigan and set me up with Prestige. Before I signed my loan papers at 19.9% interest, I told the dealer that I wasn't paying that much. They informed Prestige of my contract concerns and they verbally agreed to redo my contract after I took the car. I only took the car off the lot cause the dealer and Prestige told me if I didn't purchase the car to get back to Michigan the best way I could.

Truck payment due on 7th of month, my contract reads 10 days before any charges occur. They are charging me over $5 a day any past the 7th. Is this a breach of contract?

Dulles Motors in Manassas, VA to purchase a car, after they had all my info, my income to debt radio wouldn't allow me and I am Not on the loan, do my husband, Solly applied. His references, ss#, etc. are not the same as mine and his loan was approved. Before a payment was even due, Prestige was calling my contacts, not his... and yes, as of right now, we are a little behind. Prestige called my cell phone, over 27 times in one day. They are rude and demand my bank account information. As I reminded them, repeatedly that I was not on the loan, that my personal information should have been discarded by Dulles and not Put into ** file, they have no right to harass me, contact me and or anyone else on my application.

I have a car loan with this company and it is the worst mistake I have ever made. They are rude, disrespectful people. They call everyday and I only have two more payments before my car is paid off. I would advise people do not do business with this company. The interest rates are too high and they are harassers. I know that this company will soon come to its ruin.

We paid a car not for 1 year and 6 months on time with a high interest rate! Never late, never missed a payment! We were called in by the car lot saying we qualified for a much lower interest rate. We traded the vehicle in that was financed by Prestige Financial and the Rick Hendrick Chevrolet paid off the balance! Two years later, we found out Prestige Financial never reported the vehicle paid in full! They have it as an an open account with no payment history since 2012! I tried to contact them and explain the situation and the young lady told me that was my problem and hung up the phone!!

We financed a vehicle through Prestige exactly one year ago this month. It has been a nightmare since the very beginning. My payment is a little over $500 a month for a vehicle that is almost ten years old, and while I can appreciate a finance company that lends to people with fair to poor credit, this company by far is the absolute worst, disrespectful, predatory, offensive and abusive. I was out of work due to the death of my little girl and 5 days before the payment was even due they started calling my references, like really my references for god sakes, emailing calling and texting! They do not even give you the opportunity to be late quite honestly and god forbid you do need to be a few days late because of your pay schedule or as in my case a significant life event.

These people are the worst finance company!!!!! They in fact do harass you and talk to you like you are nothing. Even though they ask for email and text messaging methods and they use them, trust me, they still want to talk to you and call you and talk crazy to you. I just laugh at them and call them ** and tell them I know my rights. They cannot report to the credit bureau that you are late unless it's 30 days. They cannot repossess your car unless you are 60 days late depending on what state you are in, you could be in a right to cure state. My account manager is Nathan ** and he is a real jerk!!! ** and rides the short bus.

On 10/18/2013 my 2005 Buick Raneir was booted by the city of Chicago. This vehicle is being finance by Prestige Financial Services. On 10/31/2013 I spoke to Todd @ Prestige and he informed me that they had spoken to the city of Chicago about this issues. They said they would get the vehicles from them so the storage fees wouldn't add up and on November 7th they retrieve the vehicles from the city of Chicago. Now they refuse to give back the vehicles even though they have all the notes paid in full. So my guess is they are holding the vehicle over my head, but I loss my part-time employment due to not being able to get to work. If they were not giving the vehicle back then should have left it so I could have deal with the situation on my own. I spoke to them this morning and can not get any info on the whereabouts of the vehicle and now don't want the vehicle back.

I have had a horrible experience with this company from the very beginning!!! I have had to deal with them verbally being abusive! Speaking to me like I was a child and definitely not respectfully! The day my payment was due they started calling back to back leaving messages, text messages as well as emails!! Not to mention calling your references discussing your account status! Trying to embarrassed and humiliate me! I advised my customer service person over my account that I would make my payment at the end of the month due to switching jobs and waiting on my check to be mailed, couldn't give the exact date but explained it would be at the end of the month! They tried to force me to make a date and I told them I couldn't but it would be at the end of the month! I received notification from my bank that my account had been overdrawn. I was quite confused because I knew I had not written a check or used my debit card! Come to find out a manager at Prestige had forced a car payment through without.

My grandma just had surgery a few months ago and we have been paying this company since 2007 and we supposed to be paid off with them. I don't know if you all know Cameran from this place but he is an ** and he called fussing at my grandma and she just came out of the hospital, not even one day, and made her cry but I sent them their money like two days before the actual due date to make sure they got the money before I left the hospital to take care of my grandmother. And here he goes calling her fussing and cursing at her so I took the phone and fussed him back out and cursed him back out and threatened him to come to SC and see if he wouldn't say those un-nice words to my face in spite of her having surgery. These people take money from us and stole money from us at least like fifteen times. I have the receipts to every payment she has made and I have made even bank records of where they have taken more money out and made us bankrupt. The next move for us is court because I'm suing the hell out of this company. They rip you off and harasa you and verbal abuse but I be damned if I have to see my grandma shaking and going to a hospital because of these people and their words!

Prestige Financial is the most unprofessional loan company I have ever dealt with. They are demanding in the payments before the due date. When being forced to use Western Union payment program, it comes through as being late. This week, they really had no choice but to work with me. I kept in contact. They made me feel like low life scum. And per our agreement, they were supposed to run my payment after 12. They called me at 9 am stating the payment declined. I called right back and they say, "Oh, I see the notes. We will try again at noon." I have dealt with this company for 1 year. They have taken payments out of my account t 2-3 days early (which I have documentation for). These financial predators need to be stopped and I for 1 will stand up and face these scandalous people head to head. Bring it, Prestige!!!!

Horrible company to do business. This finance company is a predator! Please be aware if you have bad credit and need reliable transportation. This company is very unprofessional. They will LIE to you about your rights, talk to you in a manner that is very threatening. They have absolutely NO intent to help you if you need a few days to make your car payment. I had NEVER been late and had never missed a payment (which they will threaten you if you try), so they just hatred you for your monthly payment.

Very poor customer service. Kacee account manager rude. Will lie while you speaking to them about your account. I would warn anyone not to do business with this company. You will come out better riding a bike. YOU HAVE BEEN WARNED........

One word for Prestige Financial, predators! I sure wish I would have done my homework before getting my car loan through them! I have read page after page after page of complaints about this company, and being a customer of theirs now, I can attest that they are all true 100%. I have also read several rude, ignorant, abusive, insulting and highly stupid responses to anyone speaking badly about this company, and I cannot help but wonder where those defensive comments might be coming from? Hmmm, perhaps the idiot responses are employees of that god-forsaken company. I could care less who you are. Shame on your for defending them! They are a horrible company, and you know it! I can tell anyone reading this stuff if you have not signed on with Prestige Financial yet, don't do it! Walk, ride the bus, hitchhike, ride a bike, crawl, whatever, but do not get a loan with this company. They are horrible!

This is a sub prime lender and I got this loan when my credit score was lower. Do yourself a favor and do not finance with this company or get out of the loan as soon as you can. The interest rate is extremely high! I can't wait to be done with these unscrupulous people!

I have never been late. Reps start calling two days in advance. If you call, do yourself a favor: don't finance with this company. For 22 months I have been hounded. Interests are high but the abuse is worse. I filed a complaint with the BBB - I wasn't the only one. I sold the car to stop hearing from them. They threaten and are verbally abusive over and over till the payment is entered. I am waiting for the new company to pay off and I am getting call after call for the interest not paid. Payment was due 25th. Today is 26. Car loan will not be paid off till Monday.

This company is horrible! My payment is due today, 4/25/2013. I have been getting texts, calls and emails for four days telling me this. I called them today to let them know I can't pay until 5/8/13, 8 days from now, and they told me no, I must make a payment before 4/30/13 but will give me a reduced payment. Why not wait 3 days and get the whole payment? They then sent me an email from their pre-legal department on the condition of the car and where I parked it. I understand I am late and that you will be charging me a late fee but this company has been a joke since day one! First time I made a payment, their online system didn't work right and took the money out of my account but they said they didn't get it. Do not use this company. I am stuck with them for 30 more months!

I currently have an auto loan here and hate it. Jared, my rep, although I'm never a day late nor have been, I get numerous phone calls starting two days before my payment is due. If not paid by 5 on the due date, they start calling all my reference contacts. I have also received threatening text messages regarding my vehicle's insurance information. If you are stuck and need an auto loan, I suggest you stay on the bus and save a little more money up because Prestige Financial is an absolute horrible company. The $180 in finance charges is obscene. I wish they would use some of that money to get their employees some classes in the respect and honesty department. I will never do business with this company again.

Do not use this company! You will regret it from day one! I purchased a 2008 Nissan Titan from a local dealership for $16,000. A year and a half into the payments, I became disabled and was unable to make the remainder of payments due to inability to continue working. I was called names, treated very rudely, and even threatened by Prestige account managers that my wages would be garnished (you can't garnish wages I do not earn!) and I would be taken to court. In an attempt to recover some of the money for the vehicle, I contacted a Nissan dealership to see if they would be interested in purchasing the vehicle, therefore, eliminating some of the loss of money from the transaction. The salesman from the dealership called Prestige to inform them of my intent and they called the salesman an idiot.

I have to start off by laughing at this company because they truly are a joke. You know, OK, I get it. They are a "second chance/last chance" finance company; however, that does not give them a right to treat people rudely. These people called me on the day my payment was due; they didn't give it a chance to be one day late before they started hounding me! When you do go over by one day, they are sending the Calvary out for that payment. They will call anyone who knows you, your mother, father, sister, bro, aunt, uncle, friends, etc. - you name it!

My ex-husband purchased a vehicle in 2007 with both our names on the loan. He barely made any payments and eventually the vehicle was repossessed. He then filed bankruptcy in 2010. Almost immediately, I started receiving calls by Prestige. The calls have gotten more and more frequent and now threatening. I was told by a representative from Prestige, "We know where you live, work and where your children attend school." "You need to cooperate with us or we are going to take you to court and garnish your wages." The representing attorney even stated, "I can always help you with a bankruptcy, which makes up to 80% of my business." I have sent certified letters asking them to stop contact and discovered that the statute of limitations has already passed and they are still calling and threatening. I don't know what to do. I am single mom with 5 kids, no child support, on minimum wage and food stamps.

I purchased a 2008 Dodge Caliber from a local dealer in an effort to rebuild my credit. It was 18 thousand dollars. After I looked at the paperwork more thoroughly, I was paying 32 thousand dollars. I made 19 payments of $424, never been late and always early. My teenage daughter is pregnant, so I called to see if we could refinance. They said, "Sorry, we don’t do refinancing here." I still owe, after 19 payments, 15 thousand dollars. Needless to say, very unhappy with them and they now can have the car back!

My wife and I purchased a car. The start of the relationship was fine; however, she lost her job due to stage 4 cancer. She was told to make interest payments for $283 and the monthly payments were around $350. Anyway, after making all the scheduled payments except 6 which were the interest payments, we still owed close to 5000 dollars because of the interest building up and thinking that we had left to pay the balance of the principal. I do understand that we were late a couple of times but never more than 10 days. We contacted the state attorney and they requested information from P.F.S. but got no response. The interest payments in total counted for nothing. All the payments were made except the 6, which we did the interest and after five years. They said we owed close to 5000 dollars. We do plan on taking the case to court.

I purchased a 2005 Nissan Sentra in October 2007 from a local used car dealership in Columbus, GA. As a matter of fact, it was a Chevrolet dealership that is no longer owned by the same people because of their illegal and bad business practices. Anyway, I didn’t think about the amount of the payments at the time, the car was $10,000.00. Well a few days later, I was looking at my paperwork and notice the amount after 72 months interest was nearly $23,000.00. Now this is absurd. These people should feel really bad about what they are doing to people. And then on top of that, they are the rudest so called business people I’ve ever dealt with. And the worst part is they don’t care. I bet they read all these comments posted on here and laugh and say we got them.

I bought a car. They financed $21,864.00. I was to pay $499.62 for 72 months. That's $499.62 x 72 = $35,972.64 with $14,108.64 of interest. I didn't do the math when I bought it. I owe $2999.00 plus $888.00 of interest if I pay it in 8 months. I just requested a skip payment, because some guy with no insurance hit me. I need to put the claim through my insurance, and I have to pay $500 deductible. They said they couldn't help me. They don't care about their customers. They only care about the money. I will never do business with this company. And no one should. Their interest is very high. It's not worth it.

I bought a 2004 car 4 years ago, and I'm almost done with the payments. These people start calling me 3 days before the payment is due and asked if I sent it already. I don't answer my phone because they yell at me, telling me that if the payment isn't in on the day it's due, they will pursue further actions on it. Now, I'm not 3 months behind nor have I ever been, but these rude and insulting people tell me that I am and are threatening me in all ways. I can only pay when I get paid so why do I need a phone call for this each month for 4 years?

My ex-husband went to purchase a car at a dealership. He didn't have good credit or a good work history. So, they started asking if we were married. I said yes. They asked me if I worked and I said yes. They started to say that we both needed to be on the loan because we were married. I had never purchased anything like that. I didn't know what to do or think. Well, I did try to explain that I don't have a license and never had one. So therefore, I don't drive. They still made me sign after him. He never paid on the car. He since has passed away. They are now garnishing my wages. I don't even know where that vehicle is. It's because the last 3 years, we were separated and lived in different houses.

I had an auto loan with them. Things were fine until the job I had at the time cut back hours due to the economic turndown; that eventually led to me being laid off. When it was a couple days or so before my due date, I would start to receive calls regarding my payment. I would receive a call every day until I paid. When I fell behind, things got bad real quick. When I signed the paperwork for the loan, I had to fill out a list of contacts that I was assured wouldn't be contacted unless it was an emergency. I didn't foresee anything ever coming up that would constitute an emergency or a reason to call. When I started to fall behind, these people started calling everybody on that contact list.

Exactly what happened to the blogger Sarah said happen to her. This organization is so unprofessional. They need to be stopped. We still have an amazingly huge balance because they say we have a lot of fees and payments that were supposed to be moved to the back. It's just a big mess. We owe more than we ever thought as if we have never paid into the principal. I will gladly give you our account number and any other info you need so that you can find it all for yourselves. Please help!

Complain to your state attorney and the FTC, otherwise they will never be brought to justice. Also your State's Department of Financial Institutions and the Justice Department. I have the same issues with this company and I am only 5 days late.

It all started back towards the end of 2008 when I fell on some financial problems, I contacted the finance company for my car and explained the situation to them. After speaking to them several times they called and informed me that they would help by letting me skip 3 mos of payments and add those months to the end of my loan. So I agree'd and started on this program which I paid $200-$250 every 2 weeks to them. Recently, they made me set up 2 months’ worth of payments in advance, which I told them I didn't want to do because I was not in front of a calendar and I didn't want to promise to pay on a date I was not sure I could pay. I was told to set it up anyway and if there was a problem that I just needed to call prior to the said date and make different arrangements. So the date was approaching and of course it wasn't a good day for me, so I called and let them know I couldn't pay until a few days later.