I have had a car loan with wachovia dealer services for close to three years and have made 33 payments on time with what i think is a completely unfair 18.99% apr. They were recently changed to wells fargo dealer services. I made 1 of my 33 payments with wells fargo. I decided to call them today and ask about refinancing on my loan with only 73, 000 current miles on the car, the type and year of car i think is a mute issue. My car being a 1996 was to old for their refinance policy, they said it could not be more than 8 years old and have less than 100, 000 miles, basically i have paid almost to the dollar the original sale price of the car of which i paid a $25, 000 down payment part of which was a trade in. they said they would direct me to a local office in which i could talk to someone else about it.

I instead of getting someone else that i was suppose to be able to talk to about refinancing, It turned out to be wells fargo collections instead.

all i have to say is what gall these scumbags have

I have decided to no longer pay them a dime. this is a car i never plan on selling and is my primary car. they can have it from my cold dead hands.

they never did a thing for me and wont even offer a new contract and considering wachovia is now defunct i consider my original loan defunct as well.

i will be interested to see how they handle this now considering they are now a third party lender on my original contract.

Point being i never signed a thing that had wells fargo printed on it.