I had bought a 2001 monte carlo that was finc. through wachovia didnt have any problems at all. then i got a ideal to trade in my car and get a different used one A 2007 mustang. since my payment for the car was 50.00 over my pre approved( AND THEY DIDNT VERIFY INCOME)amount with wachovia i needed a co sign ok fine. i still owed a little on my first loan so wachovia said they would roll the old loan in with the new loan and that was my biggest mistake now 8months later I'm disable and not making the money i use to and cant afford the payment and since the balance on my loan is more than my car is worth no one will refi. I spoke with a collection rep even though i have remained current this whole time (since sept) and he told me about a settlement in full(shortsale) where i could sale my car for less than i owe and they would give me a 1099 for what wasnt paid and i would file that on my taxes. i thought that was a great ideal. Only to spend 2wk trying to sell and found a buyer now wachovia said my loan isnt old enough to do that and they wont rewrite my loan or modify the loan so i can afford the payment.i told her the car has lost a value of 5, 000.00 just since june 2008.the rep said all new car do that even thou i bought it used. THE ONLY OPITION THEY WOULD GAVE ME WAS TO GIVE IT BACK OR KEEP PAYING. AND THIS WAS MY 2 LOAN AND NEVER HAD ANY MISSED PAYMENT ON ETHER LOAN. I WILL NEVER GET A LOAN AGAIN FROM THEM AND BEING A FORMER WELLSFARGO EMPLOYEE I FOR SURE WONT DEAL WITH THEM EVER AGAIN