I purchased Royal Palm Vacations last year and Monterey finacial Services was the one sending me a bill. I canceled RVP due to their unprofessional useless service and asked Monterey to stop sending me a bill. However, they were kept calling me to pay the money further threat me to go a collection agency. This is not the right way to do business and customers needed to be protected by law.

Yesterday evening I received a call from a representative of Monterey regarding my account. This is the second known call that I have received from them. The caller ID had “unknown name, unknown number” and most of the time I do not even answer these type of calls. I figure if they are hiding their name and number, they are up to absolutely no good. But, I answered just in case it was someone I knew. Anyway, the call started out congenial until I refused to give them a check by phone. The person immediately became rude, spoke in a very pressuring and accusational tone of voice. The result of the first call was that they were supposed to send me paperwork so that I could provide them with my new bank information. In November of 2006, I had fraudulent activity on my checking account and we closed the account to stop it. The thief was using my bank routing number and account number to pay their own bills and purchase items on the internet. Monterey Financial Services has been set up as an automatic pay for the last 5 years. Well, because they were not the original finance company on the purchase agreement, I didn’t know who to contact and the bank couldn’t give me the information. So, I knew that when they tried to debit my old account it would come back as closed and they would contact me. They did, in late December and from that phone call the representative was to send me paperwork to authorize the automatic debit again. I never received that paperwork. When I refused to give the person my account information over the phone, he became so belligerent. I told him my situation and he didn’t care. He blamed the post office for the non delivery of the package, saying they (Monterey) doesn’t make mistakes. I told him I would mail a check immediately but I wanted all fees dropped. Well, come to find out they were going to charge me $12 for taking a check by phone…I don’t think so when it costs 39 cents by US Mail. The late fees for 2 months were only $4.80, not a lot of money for either one of us really, but I am still trying to recover from the fraudulent activity on my account. He threatened me with foreclosure, and it is only a financial contract for added features to a time share. I told him he could keep the dumb contract and he promised me he would ruin my credit with a foreclosure. He did give me an address I could send my check too, but he told me more than likely more late charges would be added to my account. Now, mind you, I have had excellent pay history with them for over 4 years and this is how I get treated. My advice - don’t do business with the financial thieves of this world. If it isn’t high interest, it is fees for this and fees for that. I went to their website today to contact a manager, but found this complaint instead and felt like venting.

Thanks for listening. I hope that this will help the next person down the road.

Disgusted,... in Spring, TX