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My right to know, Maria
July 23, 2010
Deceiving practicing
Lobel Financial: Yes I like thousands of Americans had lost my house in 2008 therefore I don't have a good credit, I had a car that I was expending so much money in repairs so, in a desesperate effort and with all the capital I had at the moment I bought a car and the credit company that provide the Loan was Lobel Financial. Just this week I call just to make sure that they received my payment, which has been on time every month since I bought my car and not only have I sent extra a little bit more every month to try to pay my car as soon as possible. Well I call and ask how much is my balance and a "Smart" representative told me that I own over $2000 more that what I was informed according with documents Lobel Financial has sent me at the moment I received the loan documents. He told me "you are not expecting to have a loan and don't pay anything for the money you received?" I answer to his smart comment, it is not about only about the money, I want to know how much I am paying for- I believed is my right to know and don't you think so?, so I requests the loan documents with this detail also an estament, showing how my payments has been apply and my remain balance, suddenly this is a major issue, and I have to call accounting, well I ask transfer me, he provide the same phone number and an extension number, I ask him one more time can I be just transfer, he said I will try, surly enough my call was drop. Well I call back and after I talk to 5 representative I finally talk with accounting, I simply request the documents one should be the terms of the loan, I want to see interest I am paying and how much and an estament of my ON TIME PAYMENTS, this person said no problem will you received in the next 5 to 7 days. 20 min later someone that did not identify only as a Lobel Financial, told me that this can't be possible, I ask him why is so difficult for Lobel Financial to do this so simple mail, and another "Smart answer" He told me that the dealer should gave me that information, I try to talk to him on that smart point ( that between you and me MAKE NO SENSE) and in his "smart" way to avoid the point he didn't let me talk at all and he told me do you want this docs or not, well you need to requested on writing, I told him -You call me, and you are no letting me talk, you don't want to listen to me, when are you ready to provide customer service, call me back, today 7/23/2010 I will call again and try to get this documents, which I don't understand Why is such a big deal to provide this information to their customers, and just in case any person in Lobel is reading this, I DID NOT RECEIVED ON THE FIRST PLACE THE DOCUMENTS I RECEIVED DOESNT SAY THE REAL AMOUNT I AM SCHEDULE TO PAY, HOW MUCH IS MY INTEREST EITHER, only said how much was the principal balance and the time. I believed we need to know, it should be in your practice to facilitate this information with no problems from the start if I had this information I wouldn’t have to call you and go thru all this unpleasant time on the phone fill up with 'SMART' comments from your unprepared agents and please get a nice long and extensive class of CUSTOMER SERVICE, you really need it. And every one else which me good luck it look that I am going to need it with this company, and if you about to get a car with Lobel Financial, it look is going to be a lot of problems allthough you are paying ON TIME.
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