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Ford Motor Credit Complaint - Harrassment
Complaint
WAUPUN, WISCONSIN -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.
I currently have an automobile loan account with Ford Credit. We have had some finacial hardship due to illness and layoffs. Ford Credit has repeatedly phoned our relatives even after having been asked to stop. Recently, my landlord brought a note to my door to call Ford Credit. When I phoned them, I asked them how they got my landlord's phone number. I was told that I had supplied the number on my application. This was impossible since I had only been living here since last Oct. 2004 and the loan application was supplied in 2002. When I informed them of this, they stated they had 'just called my neighbor'. I again told them not to call my relatives or to seek out my neighbors by way of the phone book. They continue to call relatives on average of three times per week per relative. This includes their home and workplace. They also continue to phone my place of employment even though i have been off work since January. I had explained to them that I cannot receive personal phone calls at work and that such phone calls would subject me to employee disciplinary action. They continue to call.
As a resolution, I would like the following:
I demand Ford Motor Credit only attempt to contact me at my home number or cell phone number which has been supplied to them. I want them to stop calling my relatives and neighbors.
Please contact me if you need more details regarding this incident.
I currently have an automobile loan account with Ford Credit. We have had some finacial hardship due to illness and layoffs. Ford Credit has repeatedly phoned our relatives even after having been asked to stop. Recently, my landlord brought a note to my door to call Ford Credit. When I phoned them, I asked them how they got my landlord's phone number. I was told that I had supplied the number on my application. This was impossible since I had only been living here since last Oct. 2004 and the loan application was supplied in 2002. When I informed them of this, they stated they had 'just called my neighbor'. I again told them not to call my relatives or to seek out my neighbors by way of the phone book. They continue to call relatives on average of three times per week per relative. This includes their home and workplace. They also continue to phone my place of employment even though i have been off work since January. I had explained to them that I cannot receive personal phone calls at work and that such phone calls would subject me to employee disciplinary action. They continue to call.
As a resolution, I would like the following:
I demand Ford Motor Credit only attempt to contact me at my home number or cell phone number which has been supplied to them. I want them to stop calling my relatives and neighbors.
Please contact me if you need more details regarding this incident.
Comments:
Posted by Mad Eye Moody on 2005-04-27:
From your story, I'm getting the impression that Ford Motor Credit is the original creditor...and as such the protections provided by the FDCPA don't apply - however you may want to research what exactly constitutes harrassment in your state.
Posted by Slimjim on 2005-04-27:
Like Mad Eye said, Ford's the original creditor so a cease communication notice doesn't apply. To be blunt, you want them to call your phones, but it doesn't seem you are answering them. It appears you havn't paid them in some time. If things don't look like they will improve soon, you may want to let them voluntary repo it. It's only a matter of time anyway unless you're locking it up somewhere.
Posted by sanford31031 on 2005-04-28:
I have to agree with Slim on this one, let them repo it. Especially if you want the calls to cease. How far behind do you have to be for them to repo?
Posted by rhondam718732 on 2005-05-02:
Another "poor me" story. You owe Ford money for the car you have...WHY should they not contact you through normal means to get their money??? Remember, you are asked to include references and personal information for some auto loans - THIS IS WHY- so many people skip on payments that companies need multiple ways to track these people down. Of course disability/sickness, loss of job happens and it is a very trying and stressful thing, but FORD and other creditors need to know that they are going to get paid regardless. That's just how the world goes round.
Posted by Metal_or_Money on 2006-07-01:
Ford Credit probably should "demand" that you pay your debt on time. Why are they calling you so much? Just to say 'Hello'? No. Instead of writing letters, write a check. That will save your neighbors, the landlord, and your family from having to suffer the calls you refuse to take or return. Paying as agreed is ALWAYS the best defense.
Posted by WARNING ABOUT UHAUL on 2007-10-04:
Ref: Ford Credit WARNING STAY AWAY FROM FORD AND FORD CREDIT UNION. THEY WAIT UNTIL YOU PAY A LOT OF MONEY ON THEIR CARS AND WHEN YOU ARE DYING THEY ARE NOTHING MORE THE BUZZARDS.
Warning about ford credit. They are the most heartless unreasonable company to have a loan with, and I wish that before I paid $10,000 down on a car, I would have looked on the internet to read from the previous customers. I too am in hardship, and I am terminally ill. I am two payments behind and what gets me is they say three. My payments are due the 28th of the month and I am only two payments behind. They called me in the afternoon yesterday and ask me what was going on, and I explained to them that I am terminally ill and I cannot drive anymore. My old wagon with almost 200,000 miles just quit running. We were at a used car lot, and a kind dealer offered to help us get in a car, and he would hold the payment until my SSDA came in on the third. His kindness got him fired, and the other partner sent the check into the bank causing my ford payment to return. So I was told I had my priorities wrong and therefore they are going to repo our car. I tried to explain to them that we needed two cars so that my husband did not have to take time from work to get me to all my appointments and having tests done to follow the progression of my illness. I told her what would 5 days hurt? She said, you have until 9:00 pm to get the "cash" western union" to us. I told her that it would take us longer than that to get things worked out because I had only $300 in the bank, and I ask to speak to her supervisor to ask her if they could just give us 5 days, and she was more of a jerk than then this Daina person. She then said, "I want it all" by 9:00 PM.
Stay away from "FORD COMPANY" AND "FORD CREDIT UNION" They are nothing but cut-throats that feed on people's hardship. I am contacting an attorney today. They had rather see me pay out $1500 to a lawyer then to work with me and receive their payment.
Warning about ford credit. They are the most heartless unreasonable company to have a loan with, and I wish that before I paid $10,000 down on a car, I would have looked on the internet to read from the previous customers. I too am in hardship, and I am terminally ill. I am two payments behind and what gets me is they say three. My payments are due the 28th of the month and I am only two payments behind. They called me in the afternoon yesterday and ask me what was going on, and I explained to them that I am terminally ill and I cannot drive anymore. My old wagon with almost 200,000 miles just quit running. We were at a used car lot, and a kind dealer offered to help us get in a car, and he would hold the payment until my SSDA came in on the third. His kindness got him fired, and the other partner sent the check into the bank causing my ford payment to return. So I was told I had my priorities wrong and therefore they are going to repo our car. I tried to explain to them that we needed two cars so that my husband did not have to take time from work to get me to all my appointments and having tests done to follow the progression of my illness. I told her what would 5 days hurt? She said, you have until 9:00 pm to get the "cash" western union" to us. I told her that it would take us longer than that to get things worked out because I had only $300 in the bank, and I ask to speak to her supervisor to ask her if they could just give us 5 days, and she was more of a jerk than then this Daina person. She then said, "I want it all" by 9:00 PM.
Stay away from "FORD COMPANY" AND "FORD CREDIT UNION" They are nothing but cut-throats that feed on people's hardship. I am contacting an attorney today. They had rather see me pay out $1500 to a lawyer then to work with me and receive their payment.
Posted by olysalas on 2008-03-22:
ford credit ,,, is a pretty good company they do their job , i mena if you do not pick up the phone and tell them when you will be able to pay , they have to find a way to reach you ,because you are not returning their calls, and this must have been a long term hardship because they offer deferments on the past due amounts ,,, you just have to pick up the phone and talk to them , and they will help you
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