Let me start by saying that I am a single 22 yr old mother of a 3 1/2 year old, and I had my car reposessed by Norwest Auto Finance Dept on April 26, 2000 at 6am. I walked out to my car this morning to find a very rude tow truck guy. he asked if I was Renee and I said yes. He said, and I quote
"Get the f*@k out of the car, I am taking it". I was flabergasted.
I work so hard for the things that I have and to walk out to my caar that I pay for every month, and fing someone towing it away, is a little disturbing!!
The course of events that have happened are so puzzling, let me know if you can make any sense of it.
March 29, 2000
Recieved a letter from Norwest Finance telling me that I was late on some payments (I was). I contacted the collection dept
(800)241-0026. I was informed that I needed to make a payment by April 10, 2000 to avoid reposession.
April 10, 2000
Contacted Casidy (800)241-1014) in the repossesion dept and informed her that I was in reciept of my tax return, and that I would be in the branch that day to make the "strict compliance" payment, in the amount of $1060. Casidy said that she would waive my late fees if I made the payment. I asked if it was okay if I brought in my tax return CASHIERS CHECK and make the payment and get the rest of the CASHIERS CHECK back in cash. I was assured that that was fine. I reconfirmed that I DID NOT have a bank account with Wells Fargo and I was reassured that it wasn't a problem. I left work a little early so that I could get to the bank in time to make the payment and go get my son from school. I was told by Casidy in the repossesion dept that I could make the payment in any location (Branch or Grocery Store location). I arrived at the grocery location of Dobson and Main in Mesa AZ at about 4:30 pm.
I was told that I was NOT going to be able to make the payment because that COULD NOT cash the CASHIERS CHECK. Have you ever heard of a BANK not being able to cash a cashiers check? I was there for over two hours and I left there with out having gotten anything resolved.
April 11, 2000
Went into a branch location to make the payment. Paid $1060 incash and recieved a reciept, with my account number CLEARLY stated on it. No problem, situation taken care of, right? WRONG!
After returning from the bank, I called the repo dept, and wanted to verify that the late fees on my account, as promised by Casidy yesterday. I was transfered to Allen Hancock, who waived the $120 in late fees. Allen also verified that the loan was now up to date and that there would be no repossesion order put out for my car.
April 18, 2000
Recieve a message from Norwest on my voice mail.
April 20, 2000
Called Norwest repossesion dept (why am I calling the repo dept?)
Spoke with Karen and I was informed that I had not made the payment and that I needed to surrender the unit, because it was under "restriction". (Whats restriction?) I asked what had happened to the money that I paid on the 11th, her response was there was no payment recieved for that amount, in this account. I disaggreed. I made that payment!!! She told me that "we just can't believe everyone who says that they made a payment. We need proof, Fax the reciept to me and we will get it taken care of it" i reinformed her that I was at work and that I wouldn't be able to fax it today, but I could do it tomorrow. She was very adimit that I fax it today. I repeated my situation, that I was at work. She continued to tell me that I was in the wrong and that she was trying to help me, and that I needed to get the reciept to her ASAP. I am confused at this point, because I have paid the amount that they wanted. the bank accepted payment, and now I am wrong? How does that work? She was so rude that I asked to speak with her supervisor, and she refused me, and hung up on me!
April 21, 2000
Went into the office, for the sole purpose of faxing the reciept to the repossesiom dept (Fax 515-222-8385). Went home and enjoyed my Easter weekend. Everything should be taken care of, right? WRONG AGAIN!!
April 25, 2000
I called to verify that they had recieved the fax that I sent on Fri. Nope, so I faxed it again (515)222-8385. And then went back to work.
April 26, 2000
Went to go get in the car, 6am, to go to work, and I see a guy taking my car. This was when the tow truck driver said "Get the f*@k out of the car, I am taking it".
I called the finance company and they said that the loan had gone into "Charge off" and that I would not beable to get the car back unless I either refinance the loan, or i would have to come up $10780.00, which was remainder of the balance. I don't have $10,000.
I really want people to know how things are done at
Norwest/Wells Fargo. All I want is my car, that I pay for. I work so hard for the things that I have, and for them to think that they have the right to make a mistake and then not take responsibilty for the mistake, is absurd!!