Car payment harassment?

[ccw1963]

What is the name of your state?What is the name of your state?Missouri
I have had an ongoing problem with my car's finance company,Fairlane Credit. I have written them in the past 4 times not to call me at work, told them on the phone, written it on my payment statements, and yet they still call. Once, they called and asked for me and another employee with the same first name answered and said they had the wrong person. Then they said sarcastically,"Right", and proceeded to discuss my account with this person! He came to me about the call and I was so embarassed! Right now I am less than 30 days late on my payment and they have already called every person on my personal reference list that I filled out 4 year ago when I took out the loan. These people are calling me to say they are getting calls about me from Fairlane Credit.What can I do? When I communicate with them they say they are "putting a flag on my account" to not call me at work but they still do.Help!

 

[DerbyGirl]

What is the name of your state?What is the name of your state?Missouri
I have had an ongoing problem with my car's finance company,Fairlane Credit. I have written them in the past 4 times not to call me at work, told them on the phone, written it on my payment statements, and yet they still call.

Original creditor is generally not bound by FDCPA.

Once, they called and asked for me and another employee with the same first name answered and said they had the wrong person. Then they said sarcastically,"Right", and proceeded to discuss my account with this person! He came to me about the call and I was so embarassed!.

Mistakes happen, if you pay on time, this will not be an issue.

Right now I am less than 30 days late on my payment and they have already called every person on my personal reference list that I filled out 4 year ago when I took out the loan. These people are calling me to say they are getting calls about me from Fairlane Credit.What can I do? When I communicate with them they say they are "putting a flag on my account" to not call me at work but they still do.Help!

There is no 30-day magic window that you are allowed to be late without collection activity. A lot of what they do is also based on the history of the account. They are being pro-active in attempting to keep the account from going too far delinquent. If you make the payment on time, all of this will be a non-issue.

In regards to your other post (Insurance lapse), the financing company does not like that. Not having insurance -- and the PROPER insurance (full coverage w/Fairlane listed as leinholder) puts you in default of your contract and they can repo the vehicle for that.

Regards,
DG

 

[ccw1963]

car payment harassment

Thanks but that didn't really answer my question. If I could make the payment on time it would be a non issue and I wouldn't be here, but my question is how can they be allowed to harass me with phone calls and discuss my account with people other than me?

 

[racer72]

Until you are current on you loan the lender can make your life a living hell. Get current or live with it.