Ignoring Emails - Lack of response to requests, etc - Decent Customer Service - Lies - Ignorance (the list goes on)...

After not having possession of my RV since 2006, and making payments on this vehicle the entire time, my estranged husband (of 3 years) decided to stop paying his $100 portion of our $200 monthly payment. At that point, because I still did not have possession, I continued to pay my $100 each month and updated Thor almost weekly on the status of the divorce, known location of the vehicle, etc. Because of my estranged playing games, I was stuck between a rock and a hard place...

Around April 2009 they send our account to Repo Dept and I continued to update them constantly. Each time I made my payment, I asked what is the TOTAL BALANCE DUE!!! Each time, they'd provide an updated amount (which appeared correct)! After going to court for my divorce and finally getting possession (because I feared my husband would continue to damage my credit if I let him take responsibility for the loan) the trailer in May 2009, I contacted GEMB Lending to completely PAYOFF THE FULL OUTSTANDING BALANCE DUE. At that point, all of a sudden they added on another $100 fee saying it was because the account had to be sent to the repo department. Because they never disclosed added charges this prior to court, I asked them to waive it or at least cut it in 1/2 because now I was stuck with this full amount. After repeated emails being ignored, although I have receipt of his opening them, /name removed/ said, "listen if you can't pay the near $700 outstanding balance, what makes you think you can make the monthly payments?" I said, it's not that I can't make payments it's that you people are bending me over to take it up the butt and taking complete advantage of me!!!

Of course, he was not helpful, and I paid the $694.18 they stated was the COMPLETE FULL OUTSTANDING BALANCE!!! That was in May 2009! In August 2009, after all payments since May have been on time they tell me there's a late fee due (with no prior mention of this)! I request a complete printout of my account sent, so I can review from where this late fee emanated! Of course they never bother to reply or send my statement - so in Sept as I was again paying on time, Myrna advises me of the late fee again and says "the account says they refused to remove it from the account!" Once again, I'm dumbfounded by their lack of assistance, follow-up, lack of decency and respect!!!

Once again, I send another email to /name removed/ on 8/18/09. To date, I see he has opened it, but as before I'm assuming he'll ignore it as he's done with all other emails/correpondance I sent!!!

The pathetic thing is - over the current 6 year history of the loan Thor was wonderful in every contact made. But, GEMB LENDING DOES NOT GIVE TWO CRAPS ABOUT THEIR CUSTOMERS!!! All they do is make up charges, fail to give you credible back up and treat you like s...!

If I could, I'd move my loan elsewhere but unfortunately it will cost me more in interest to do so and I plan to sell the trailer in Spring! Until then, all I can do is take what they dish out up the butt!!! Can't even seem to find a website address to locate a higher up in the chain of command! The moral of the story, if you have a Loan with Thor and you are even in good standing - move it quickly or you will forever regret it!!!