Has anyone out there had insurance problems with Americredit? I have. I had more insurance than CA law requires the whole time I was making payments and now a year and a half after the car was paid off they are calling and threatening to garnish my wages if I don't pay supplemental insurance because I "didn't have enough" coverage. They want me to pay them an additional $1600 but will settle for $800. What a bunch of crooks!!!!
My question is this. No one is trying to get out of the payment. Things happen people get behind. How do they get away with only accepting Western Union payments. If you are behind the chance that you have extra money is minimal. It's not fair that they demand this. You can't make the payment and they want more money. Some of their agents are actually human, some are not. The calling constantly and contacting others is ridiculous.
KENTUCKY -- I have been in a loan with this company for 3 months and 2 of the 3 months have been hell. Trying to get my payments in. I pay early and the payments don't go through the website. Their banking information (if saved on the site) changes monthly and they forget to make this known. I call in and just got into a fight with the representative because she refused to let me speak. She was right and I was wrong. If you want a continuous headache, go with this company. However I recommend DO NOT deal with this company at all. They shouldn't even be in business.
MICHIGAN -- I would like to say that I've had a great experience with Americredit. I've had to make several payments late (with interest of course) but they couldn't have been nicer to me. My interest is high 16% but when you have credit issues you have no one to blame but yourself. Thankfully my last payment is Dec 2008.