Wachovia Corp Auto Loans

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The WORST auto finance company
Posted by on
OK so I've had my loan for over a year. Six months ago I lost a big contract for my business and have had a terrible time keeping up with my bills. I had to fold my business and get a very low level job. I am slowly bulilding my business back and seeking better employment. I am a professional and like so many others, I lost my income and have had trouble replacing it. Whatever. Anyway, I've been 45 days late on my car payment a couple times. Wachovia doesn't mess around. They WILL repo you after 30 days. Trust me, they've tried. Which OK, fine. My problem is this, you get fifty million phone calls from all different Wachovia offices who LIE, are RUDE and completely DISRESPECTFUL. Not to mention NONE OF THEM are aware that you have been speaking to other people in the company. I got into it with two collections reps for a half hour one day. I was verbally assaulted the whole time. Naturally, after about ten minutes of that I started verbally assaulting back. After a very heated conversation I cvalled back and spoke to someone else. They were very nice and checked the notes on my account. There was NO RECORD of the previous conversation. Unbelievable. That is just one example. I could explain everything to you but it would be redundant. The bottom line is, I'm late, I CAN pay and AM PAYING. They don't care. Their attitude is, if you are late AT ALL you get repoed. You can work something out with one representative and the next one you speak to will say no. They are a joke. THIRTY DAYS LATE!!!! THEY DO NOT WORK WITH YOU. I'm going to take the rims off my car, strip everything valuable out of it and return it to them ON BLOCKS. lol I hope they read this. I disconnected the GPS too. I know that I am in the wrong yet come on, there is all kinds of special deals, stimulus and funding going on in this country due to the economy. Heck didn't THEY get bailed out? So they get bailed out, they were the ones that caused the problems that we are dealing with and now they DON'T have to work with us? I had CaMax auto finance before. They were wonderful. When I had problems they worked with me. Because they did. I pulled through, built my business and paid my car off EARLY. BECAUSE THEY WORKED WITH ME. Is Wachovia dumb? Do they really think that I will pay them if the destroy my credit? Oooookaaay. Keep thinking that. NEVER. Work with me so I can get caught up and PAY OFF THE WHOLE LOAN. They want to repo you RIGHT AWAY. STAY AWAY FROM THIS COMPANY. Oh and the lying. Ya that's why I want in on any class action lawsuit. They threaten to repo you when they are not going to. They literally will say that your car is getting repoed tomorrow to threaten you knowing full well that it's not. This is BEFORE being thirty days late. It's funny because I mentioned to the representative all of their bad business practices and how I know a class action will be forthcoming soon. He was speechless because he knew. His eventual response was "I know but what does that have to do with you?" lol
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bcd on 01/30/2010:
“I know that I am in the wrong …”

Yes, you are.
Skye on 01/30/2010:
You received the loan when you needed it, now they want their payments for the vehicle, on time. Many people are having hard times, that still does not alleviate them from their financial agremments and responsibilities. They have every right to repo the car.

That's very adult of you, to strip the car down, and leave it on blocks.

Start your own class action lawsuit, this review will definitely allow you to win.
ndrulez on 01/30/2010:
Read your contract. Have fun in Jail.
Anonymous on 01/30/2010:
My mother had to pay $500 to avoid going to jail over a car she cosigned with my brother. He blew the motor and left it on the side of the road and never told her where it was. When the bank came calling for the car, she couldn't produce it. When the law came knocking for the repo, she was advised (Florida law) that it was illegal to dispose of a mortgaged car.

The bank did work with you. You got money when you needed it. Now, they need it and you want to bad mouth them. Hope you enjoy the pokey cause you set that car on blocks they will take it out of your hide.
Anonymous on 01/31/2010:
You are frustrated, I get that. I would be frustrated too.

Doing what you did to the car (if you did do it) will not be beneficial to you in the long run. They will get their money from you one way or another and the actions you describe will only exacerbate the problem. My advice which you may not favor is do a voluntary repo with the car completely intact. You may still end up owing on the loan but as you can see from LadyScots post her mom found out the hard way and it wasn't even her loan. She was simply a cosigner. You will know that you did the right thing and you will not have illegal activity hanging over your head.
Anonymous on 01/31/2010:
My post should have stated $5000, not $500. Sorry for any WTF! moments anyone had.
ryno75 on 02/09/2010:
sounds like you are a real winner should have never given you the loan in the first place. I hope they repo you right to jail!
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Very Rude And Very Unprofessional! No Wonder They Were Bought Out!
Posted by on
ALBUQUERQUE, NEW MEXICO -- I am 22 years old and since I was 19 I have never had a co-signer. I always paid my bills on time if not early and had excellent credit, especially for my age. Just last year I purchased the car of my dreams and Wachovia was first in line to give me a loan for it. Until September I was perfect with all my payments, but I went through some things financially and to add to that I lost my job. I struggled to make any of my bills and when I contacted Wachovia to ask for a deferred payment due to this job that I lost and no income coming in they said that they couldn't do anything for me and it wasn't their problem. I thought that because my credit was so good and because I had a good standing they would bend alittle and they were very rude.

When I finally got a job, I was still behind on my payments and its hard to come up from behind but I did what I could and sent off money to them every chance I got. Sometime last year I sent off two payments and somehow they "didn't receive" them so they threatened me that I would lose my car if I didn't send another two right away, so I did, and that put me behind on other bills, just recently they claimed I was behind three bills, and hired an investigator to find me, hunt me down and take my car! I came up with three payments on top of the other two I had sent out and then they came at me saying I'm a liar and I don't live where I say I do, because I'm never at my residence....Duh! I have three jobs, so the only time I'm home is to sleep and even then my house is far from where I work so I stay with friends and my boyfriend.

Wachovia insisted I give them my friends addresses and boyfriends but that is none of their business and it isn't my permanent address! so they said that because I won't give it to them, even though its current, they are going to repossess my car!!!! lol, are you serious?! so I argued with whoever handled my account, and the investigator because even though the case was closed and he no longer was handling it he was still putting his nose where it didn't belong! needless to say I WAS HUNG UP ON! by representative from Wachovia and the investigator which his last words were," get off my phone line"! so I called back to make a complaint to the manager of the branch and she was just as rude, kept insisting I was a liar, and she too hung up on me!!called corporate to complain bout both and they put me back to the other branch I was complaining about!

Even then, she wouldn't talk to me because I called back multiple times and even though she was there she wouldn't answer. I have never been treated so rudely and unprofessional and customer service means nothing to them!
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Soaring Consumer on 03/31/2009:
It is getting well known that Wachovia's automotive loan division is very predatory.

I recommend that you report it to your state's Office of the Attorney General's Consumer Protection Division, because this situation I feel is in a bit of rough water. I have seen complaints about them repossessing cars belonging to people that were current on their loan, due to a so-called error on their end that they refused to fix.
Anonymous on 03/31/2009:
If you made payments, you have a receipt or a cancelled check.. How can there be any dispute about what you have paid?
aumsville on 04/18/2009:
OK, here is the thing, Wachovia is a branch of Wellsfargo, THE WORSE COMPANY when it comes to auto loans, they are rude, inconsiderate and when they find that you don't get intimidated by them they get very very nasty. When they call you to "make payment arrangements", they do not comply with their promises, Wachovia Dealer Services has been involved in many fraud claims against their customer's automobile insurance policies after they repossess your car. Luckily, for me, my husband and I have filed a bankruptcy and WILL NOT REDEEM the loan we have with them bc we have learned how they treat their customers. Do not make business with Wachovia...Also, if you get your car repossessed by them, make sure to record and take a picture with a digital camera of your car from EVERY ANGLE POSSIBLE, Wachovia will try and file an insurance claim against your insurance, they will try and get their money one way or another...I read this advise from a lady and followed her advise bc Wachovia tried doing this to her, well THEY ALSO TRIED WITH ME...THANKS TO YOUR ADVISE MY FAMILY IS NOT BEING TAKEN ADVANTAGE BY THESE CROOKS!!Wachovia Dealer Services is a joke!!, just like wellsfargo...People need to go back and live cash, stop financing vehicles and houses and STOP USING CREDIT CARDS...The best way to stay out of problems like this is to stop using lenders money...
aumsville on 04/18/2009:
BY the way, they threaten me after I informed them I had a a bankruptcy case number, they started questioning me about whether or not I was going to be keeping the car. I told them to call my attorney and the getto girl who was on their collection department told me they would take my SAAB because I would not respond to her questioning, I laughed so hard and told her: You go right ahead lady bc I have always wanted to sue someone like your company and get a judgment against, that way I can own my own collection agency...
aumsville on 04/18/2009:
People, I do not mean to sound like a bitter woman, I am actually very happy with our bankruptcy and all, I just have the best intentions, I want to let people know my experiences with several lenders. My intent it to inform people of what some BIG BANKS are doing out there bc I do not like for people to be taken advantage of. I also had a business that went under and had debt with bank of America, Capital One, Ford Motor credit, a credit union, wellsfargo, Wachovia Dealer Services, lowes, Chase Auto, etc. Basically, we had more than $500K in debt bc we had a contracting business and we ended up losing our home, so as I said, I do not mean to sound witchy or anything like that, I just want to pass my misfortune around so that people like you and me do not have to suffer from these financial institutions...I can tell you, all of these people have been very nice to us, EXCEPT WACHOVIA AND WELLSFARGO...So, STAY AWAY FROM THEM...
BokiBean on 04/18/2009:
You don't sound bitter at all, and it was some good advice. :)
Ponie on 04/18/2009:
'I am 22 years old...' At that age you were more than $500K in debt? Believe me, as someone who's been around the block more than once, you're the last person I'd ask for financial advice. And Wachovia is the one who is 'very rude and very unprofessional?' It's people like you that the rest of us have to pay for in higher interest rates, increased minimum payments, etc. In my entire lifetime I've never been $500K in debt, and I have my own business.

No, Boki. She doesn't sound bitter--she sounds rancid!
aumsville on 04/23/2009:
Well, in respond to your comments, I had a contracting business that went under, which is why I was in so much debt, a big contractor did not pay us more than $300K in a contract and my company feel behind in its obligations, and no, it is not bc people like me that you guys pay higher interest rates, you do not even know me and have NO BUSINESS telling me that I am an idiot, I am not 22 years old, not even close to that age, you should not judge others comments by implications, and yes, you should take advise from people like me, bc I doubt that you have managed as big amounts of money as I have. Stop asking for money to buy a car...That is the biggest mistake in today's society. Now, I have dealt with more than one lending company in my life and can honestly say that Wachovia Dealer services and Wellsfargo are the worse, Stay away from them.. Thanks all and have a great day!!
Anonymous on 04/23/2009:
aumsville - Great response to a natural tendency of commentators here to view someone else's circumstances through the lenses of their own lives. People bankrupt for many good reasons, the least of them being 'irresponsibility'. Wells Fargo (et al) bought and paid for the Bankruptcy Abuse Prevention Act of 2005. Google it. Good luck on your financial recovery!
aumsville on 04/23/2009:
Thank you for your comments Ghost of Doc J, bankruptcy is THE LAST resort people should take and I can tell people that is not a door they want to visit, UNLESS, it is the last resort...It just makes me mad when people think they know everything, I believe the purpose of this space is to learn from other people's experience and not to attack them by making them feel they are stupid...And by the way PONY, PEOPLE LIKE ME DID NOT GO BANKRUPT FOR ASKING MONEY TO DRIVE A FANCY CAR OR TO GO ON A CRUISE, YOU SHOULD REALLY LEARN TO READ AND PROCESS INFORMATION B4 ANSWERING, and when you learn to listen to others, then you will realize that you do not everything, unlike you think you do...Realizing you do not know the answers to everything is the first step to wisdom, good luck reaching it bc you are LONG WAYS!!
Anonymous on 04/23/2009:
I went back to the OP to see if Ponie was correct about her being $500K in debt. 'Ashleys' is the 22 y/o OP and never said anything about being $500K in debt. 'aumsville' commented on Ashleys' post and stated he/she was $500K in debt. Looks like some mis-communication. Anyhoo, Ashleys - do not let the WF collections people psychologically reprioritize your life around the car payment. There is NOTHING you can tell them that will be used in your favor. EVER!
aumsville on 04/23/2009:
Yes, PONY does not read and just attacks other users with her comments..I AM THE ONE WITH THE $500K in debt, well, used to, not anymore...And NO, I am not 22, not even close...I am just a former business owner with quite a bit of debt bc someone decided not to pay us more than $300K...
Anonymous on 04/23/2009:
Ponie is good people. It was a mistake. It happens.
Ponie on 04/23/2009:
Guess I'd better get in here to defend myself. Ashleys complaint has been edited. I'm aware I could have made a mistake, but the $500K in debt at age 22 really stood out for me.

As far as aumsville's complaint, it was much, much shorter and here is my response to that post: 'Did you supply new banking information to the company that holds your second mortgage? If so, I agree with your complaint. If not, it's on you.'
BokiBean on 04/23/2009:
I'm late to this...the advice that I thought was great was to record your car so that a insurance claim won't be filed against you.

Other than that, I'm too lazy to read. :)
aumsville on 04/23/2009:
Pony, Ashley's complaint has not been edited at all,Ashley never said that she was in $500K at the age of 22...I was the one who posted a few comments with respect to Wachovia and their relationship with Wellsfargo, I also said that I used to be in debt for $500K because of a business failure, after that, YOU CALL me rancid and said I was not trusted when it comes to financial advise because I went bankrupt. My intentions have never been to criticize people, UNLIKE what you did with me, I just wanted to post some advise for Ashley because of the problem I had had with Wachovia at some point in my life...And when it comes to your reply to my comments with respect to WEllsfargo, please note that I had canceled my Automatic withdrawal and THEY did not close my account like the piece of paper I had signed stated, I had closed the account and despite me canceling the automatic withdrawal, they STILL sneaked an amount equal to the second mortgage through a checking account that was closed, so, Why would I be responsible for paying for something I had already paid and for something that they allowed to go through my account, even though it should have been closed? Long story short, my advise for people is to stay away from Wellsfargo and Wachovia at all costs...End of discussion on my behalf. Thanks all ;)
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Wachovia aka Wells Fargo Stay AWAY from them! Predatory Lenders!!!
Posted by on
AUSTIN, TEXAS -- I have never had a repo until last Sunday when Wachovia aka Wells Fargo repossessed my car. For what reason did they give, they said I harassed them and I was verbally abusive, but this was not the case. They harassed me and I told them my financial situation at the present time, they told me I had to pay this or else. and I said or else my car is gone. They said yes and so I tried to work a payment with them. I got cut off and tried to call back, but they were closed.. Called first thing at 8 am the next morning, Saturday and they told me my account was locked up and they could not accept my payment. I told them how could that be. I had set up a payment with a customer service supervisor day before and go cut off. They told me that didn't know but to call back Monday and that there was a note on my account to repo the car as I did a voluntary repo.. He said it was a mistake and would be dealt with by the supervisor on Monday..

By the way the supervisor didn't put in the repo the **** customer service guy did when he started to lecture me about how I needed to go see a financial planner and I was a bad person for taking out money to by a car.. I felt degraded and wanted to request to talk to a supervisor and asked for his name. He refused to give it to me and I guess well, he didn't like me and so now I am paying the price for dealing with a bad apple customer service person. I am screwed and will have to file for bankruptcy because I know I will owe for the car and cannot pay this.

Anyway. In my case, the lender harassed me 4 days after grace period ended and took the car without any alternatives offered after an agreement was made day before over phone. They said they didn't want to work with me and wanted the total for the car upfront in 10 days. I tried to work with them but this company is not good to do business with. They don't care about you at all and will NOT try to work with you. Plus they use verbally abusive tactics to get you to get mad enough to want to give up your car. I did not have problems when dealing with just Wachovia, but now that they are really Wells Fargo they are impossible to deal with.

So, Do not deal with Wachovia Dealer Services aka Wells Fargo. They harass you into saying you will give up the car voluntarily. I had the money to pay (and was trying to make a payment over the phone) and was not behind in payments so I am not sure why this happened. Just don't go anywhere near either one of these banks, they will screw you!!!!
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msnanny on 02/25/2009:
Something is being left out here. You were not behind on your payments but they reposessed your car?
Anonymous on 02/25/2009:
I would imagine that they don't consider you very good to do business with either. What part of a repossesion constitutes 'predatory lending'? I think it would have been nice if you could have worked something out, but once you become delinquent they are going to protect their own best interests, not yours. Good luck, I hope you can undo this.
Anonymous on 02/25/2009:
OP was probably way behind in payments and was stalling as much as possible.
madconsumer on 02/25/2009:
I have seen this before. the person knows they are in default, but hoping to get to bankrupt court before the repo. once in court, they can decide if the owner to keep the vehicle. this way, there is no vehicle to decide on.
madconsumer on 02/25/2009:
"In my case, the lender harassed me 4 days after grace period ended and took the car"

isn't this like 14 days?
aumsville on 04/21/2009:
Hey KenPopcorn I have dealt with Wachovia dealers services, there is NO WAY YOU CAN MAKE A PAYMENT PLAN WITH THEM, they are thieves, they are lairs and will not respect any payment plans with any of their customers. They are a terrible company and deserve to be sued. I had an auto loan with them, had NEVER been late and ended up declaaring bankruptcy bc my business went under, I am glad I ended up not redeeming the vehicle, bc once you have fallen behind with them, they will not respect an agreement of a settlement, they will also misplace your payments so that they can come after you after you have declared bankruptcy, they do all of this so so you do not have more protection, once the vehicles are repossessed by them they also file fraudulent insurance claims against your insurance company to try to get some money from you, WACHOVIA AND WELLSFARGO are a nasty nasty company, be aware people...The best way to get away from all this problems is to do not ask for an auto loan...
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Wachovia Employees Rude Beyond Belief!
Posted by on
LAS VEGAS, NEVADA -- Run, don't walk as far and as fast as you can if ever approached for a loan by Wachovia! Working in the construction industry, my husband and I were not able to make our October and November payments for our Suburban. First time ever (as admitted to by Wachovia personnel). Doesn't matter to them for the last 2 weeks, I have been harassed, belittled and humiliated by this company. Last Monday, I call and speak to Maria to make payment arrangements. I told her that I can make a 1/2 month payment on the 5th, another one the following Friday (the 12th), a full payment by the 19th and since I would have December's payment come up during that time, another full payment by the 26th. This would make my account 100% current by the within 30 days of our call. Maria informs me this isn't good enough I have to pay her immediately.

Being Thanksgiving week, I explain that's just not possible. Maria informs me that's not her problem and she won't guarantee the truck won't be picked up. We hang up. I call back to make sure I had her name correct and speak with Xavier, who informs me that it's Maria's call as to whether or not the truck gets picked up. On Wednesday, I receive a call from James. I explain to him what happened Monday with Maria and he tells me she noted in the computer she spoke with me and he's trying to get a payment arrangement. After a lengthy conversation with James, we agree to the terms I had attempted to get with Maria. Then he tells me the checks have to be post dated. I explain the payments are coming from a corporate account (for our dying construction company) and we aren't allowed to post date checks. James says I'll have to speak with his supervisor.

A Danny M. gets on the phone and I explain all over again. He tells me to get a loan from someone else for the payment and get terms from them. He tells me if I don't post date the checks, he won't help me either. I tell him again I can't post date checks. He says "Guess I can't help you then - your choice" and hangs up on me! I start calling around and am able to get the money together to make a 1/2 payment on the 1st, a 1/2 payment on the 5th another full payment by the 12th (which catches me up 100%) and money for the December 13th payment by the 19th. I call James back and tell him what I can do. He says "Okay. Call us Monday with that payment, OK? I'll tell my supervisor." Alls good, right? Nope!

This morning, the Friday after Thanksgiving, some lady calls my cellular (I had given the number to James on Wednesday in good faith to prove I was going to make good on payments)and tells me she wants a payment TODAY! When I tell her I'd already spoken with James Wednesday and I was making a 1/2 payment Monday, she says (and I quote) "Let's be real Kristi. You and I both know you haven't spoken to anyone here about making a payment." I lost it. I told her all the people I'd spoken to and the arrangements I was making. I explained that I'd even spoken with a supervisor named Danny who'd hung up on me. She says "I'm sitting right next to Danny and he says he never talked to you." Well, either the guy I spoke with on Wednesday was a liar or this lady was. Either way, I knew I wasn't lying. She gets nasty and when I ask her why she's being a b*tch to me, she says I'm not making my payments and I'm asking why she's being a b*tch? I burst into tears not knowing how much more I can take of this company. She tells me clean out my truck, she's sending someone over tomorrow to pick it up. When I get home, I'm sobbing!

My husband takes my cell and calls the place back. He ends up talking with Xavier (from earlier in the week) who says James isn't there and they don't show a payment plan in the computer. My husband tells him we're tired of being harassed by Wachovia, come get the truck. He tells him it'll be parked out front with the keys in it. Xavier says that's not what they want and he wants to work with us. We now have payment arrangements just like we had requested. Xavier apologizes, says he remembers speaking with me earlier in the week and that if we need to defer a payment, just let him know! For a bank that's been on the news having financial problems, you'd think that they'd be a little nicer. I will spend the rest of my life making sure people know the reputation of this company!

Never, ever, ever do business with Wachovia!!! They employ mean, hateful people. I hope they can all sleep at night.
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Tc1073 on 12/02/2008:
I think the ones that pay their bills on time and aren't in danger of getting repossessed sleep just fine.
yoke on 12/02/2008:
Why did you wait so long to make payment arrangements? Once you realized you couuld not make October's payment is when you should have called, not after you received a letter stating to pay up by a certain date or they were coming to get your truck. Did the bank not try to contact you by phone or mail about this?
woodsk1 on 12/02/2008:
Once you called me a bi***, I would have hung up. No one should be talked to on the phone like that.
DebtorBasher on 12/02/2008:
First of all they must not be aware that soliciting post dated checks are against the law.
Becaue it is. There are ways of going around it, but if they come right on and demand it...that's a big no-no.

The arrangements you tried to make, which would have brought your account current within the 30 days sound reasonalbe to me. If they were not willing to take it in payments on those dates, then tell them you will just pay them on December 19th to bring your account current. THEN they will accept the earlier payments.

The fact that your husband told them to come take the truck and they didn't want to, says they only use that as a threat.
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Very Unprofessional, Rude And Want To Be Intimidators
Posted by on
I have owned the car for over 2 years and never missed a payment since I have my payments set up through my personal bank to go out automatically. I realized a month late that the Wachovia car loan payment didn't go through so I re-set up the payment and had 2 payments going out the next date.

I receive a call saying that I am behind 2 months and that they are going to take my car if I do not pay it immediately, I tried to explain that my bank was currently processing the payments and they will be there within 2-3 days, the employee then tells me I have to speak to his supervisor.

The supervisor gets on the line after 10 minutes and is VERY RUDE, trying to be intimidating telling me it is going to cost me a lot to get my car back if the payment is not received RIGHT NOW and he is very accusatory. I then went on to ask for his manager/supervisor and he said "that is me so no you can't talk to anyone else".

We call back to file a complaint and the customer service on the main number from the web site told us we had to talk to him again, we tried and we on the phone for over a 1/2 hr and no one ever came on the line.

I hope that you read this before you begin a working relationship with Wachovia in any aspect because if you are late even 2 days you are going to be harassed and threatened.

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Anonymous on 01/30/2009:
Visit the local branch office to speak directly with the manager. That would work better than endless phone calls.
yoke on 01/30/2009:
Since you already sent the payments I wouldn't worry about it. Let them harass you, in the end they are the ones that look like the idiots.
Anonymous on 01/30/2009:
BA, Yoke, PB
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Customer Service
Posted by on
Recently the engine on my wife's car seized. I took it to the mechanic and was told that I would need a new engine costing me $6000.00. I still owe around $12,000 on it. I called Wachovia and told them that I might be late on this months payment because of the mechanic bill. Also called to see if they would be able to help me out in any way shape or form. Instead I got a manager on the phone lecturing me about how it's my signature on the contract and I need to "man up" and pay the bill. If they couldn't help me that's all I needed to hear. I do not need to be scolded about what my responsibilities are. Customer service really sucks!!!!!!!!!!!!!!!!!!!
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Anonymous on 10/27/2009:
Did you try called the 1-800-Wachovia number? If the branch manager seems like he doesn't want to help, perhaps they will.
bcd on 10/27/2009:
You should have kept your eye on the oil level to avoid locking up the engine.
JR in Orlando on 10/27/2009:
Engines can seize for any number of reasons, including defects in the crank or piston bearings, broken pistons and the like - regardless of how much oil is in the vehicle.
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They Drag You A Long And Don't Follow Through
Posted by on
HAMPTON ROADS, VIRGINIA -- They will jerk you around and play games. There are so many different people to go through its just crazy.

I WILL NEVER GET A LOAN FROM WACHOVIA AGAIN. They are the only creditor that has given me so much problems and a huge headache.

Called them four months ago and stated was have some difficulty with the payments. Not a problem they say and are happy to help. I called them back a week after getting a message to call them and they state that I have to start all over because I didn't call them back soon enough. This happened again the next month and the next month. No matter how soon I called them back they still stated it was not soon enough.

Each time they needed a payment before proceeding. Talked to a manager and he assures me all will be just fine and connects me to a person to take all my info again AND of course another payment. Over the next month, I called and checked status. Never got a return call with an answer. Then I get a call wanting the mileage again. The two days later we had a phone call to state we were denied the refinance to lower the payments. We have paid over half of the loan and only have about two years left.

Oh, and then told we owe for last month and this month. If not paid, the truck will be, might be, can be... repossessed.

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Anonymous on 04/01/2009:
"Called them four months ago and stated was have some difficulty with the payments."


I'd say you are probably right.
aumsville on 04/27/2009:
OMG KenPopcorn you are all about criticizing, aren't you? I have not seen a single bit of constructive criticism on your behalf, we must all be idiots compared to you...What about actually taking the time to give some advise for people with problems...Anyway, I think you would be better off trying to sell the car on your own to come from underneith it, try and get a brige loan through a community credit union for the difference, credit unions are a little more flexible, then go and buy yourself a car that you can pay cash, even if it is a $500.00 car...Get from underneath the car and never finance another vehicle again, FINANCING A VEHICLE is not necessary...You probably will not be able to sell the car for what you owe to Wachovia, but it is better to be $5K in debt, rather than a double digit, right? Good luck!! Never do business with Wachovia...
aumsville on 04/27/2009:
Oh, and then pay the bridge loan as quickly as possible, put yourself in a monthly budget, the minimum payment will be LESS than your car payment with wachovia, plus you will also save on insurance since you will not have to have full coverage by having a $500.00 car...So, you will be in less debt and will be out of debt sooner... ;) After that, make sure to continue being on a budget so that you can either make repairs on your car or get a better vehicle when you have enough to pay cash for it...
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