I have never experience a place like Southeast Toyota finance. I co-signed for my son to get his first car and believe me it has been the most frustrating thing I've ever dealt with. He has been late 3 times in 2-1/2 years and each time I start getting calls from India 8 to 10 times a day trying to get me to go ahead and pay a payment on my credit card. They will harass to know end. The indians are rude and they must be stupid because when you ask them for their name they will give you a name like Gary Johnson or Cathy summers . If they think I would make a payment to someone from India which gives me a phony name and let them have my credit card number then they are sadly mistaken. Also when your late they charge excessive late fees and extension fees etc. They even charge a fee for talking to you on the phone.
We need some Good Lawyers to start a class action suit against them for their dishonest and bullish tactics. I would deal with them again for nothing!