Southern Cascades Finance Corporation

Mr [redacted] purchased the vehicle from Lithia Ford of Klamath FallsSouthern Cascades Finance Corporation was assigned the retail contract and became the loan servicing company/lienholder The original contract created by Lithia Ford and signed by the customer was $financed for months @ 23.99% interest The loan balance at time of vehicle repossession was $3, Included in the original amount financed was a service contract purchased from the dealership, and the cancelation credit was $leaving a balance of $ The repossession fees incurred from Oregon Adjusters totaled $leaving a new balance of $ The vehicle was sold at Brasher's Northwest Auto Auctions for $minus $in auction fees for a net of $making the new loan balance $3,(deficiency balance owed) SUMMARY: $3,loan balance - $service contract cancelation +$Oregon Adjuster repossession fee -$Brasher's Auto Auction net proceeds =$3,balance owed

Complaint: ***I am rejecting this response because: I have tried to contact southern cascades numberous timesI was told Jeremy was no longer working for themI was transferred to someone else and was told to contact the dealershipI then contacted the dealership and they told me I had to contact southern cascadesI tried to trade the car in and that is when I was told I would not be able to turn the car in due to the car being a total loss vehicleSo I called southern cascades and I talked to a woman and she said that I had to contact the dealershipOnce again I contacted them and they told me otherwiseIt has been the ring aroundAll's I wanted to do was trade the car in to get something better on gas to commute to work and I was informed of the total lossI attached that to this responseI was never once told the vehicle was in a wreck let alone that the car was a total loss vehicle during the processI found out through *** *** in havre montana when I was going to trade it in. Sincerely,*** ***

We appreciate your feedback and will have a customer service representative reach out to you via phone to resolve this situation. Thank you

After investigating the facts of the complaint submitted by our customer, we have determined the technical problem causing the non-reporting of the co-borrower on the account. This reporting error has been corrected, and as of 12/15/2016, when we submitted our monthly file to the credit
bureaus, the account will be reporting to the co-borrower’s credit through our system including all historic data that should have been reporting. Please note that the credit bureaus may not show the updated information immediately, if you do not see the change showing within days, please reach out to usA copy of this correction will be sent to our customers for their recordsPlease let us know if you have any further questions or concerns, we are happy to help in any way we can

This vehicle was purchased from [redacted] in Great Falls Montana.  Any problems with the vehicle should be addressed between the selling dealer and the customer.  Southern Cascades Finance Corporation is the lienholder / financer only. 
I am not certain as to who the customer...

claims she is begin transferred to that is no longer working for Southern Cascades.  I reviewed all of the account details including all contacts and could not find any such record.  I can not go into details regarding the performance of this account but I can state that several arrangements were made to assist this customer with her loan.
I pulled a copy of the Title to the vehicle and it did not show any brands as salvaged or reconstructed. (attached)  When the vehicle was recovered from the customer and assigned to auction, it was notated as a potential frame damaged vehicle.  The Autocheck report (attached) shows an accident before that time, but not a record of salvage or reconstruction.  Once again, any concerns with the vehicle the customer purchased should be or have been addressed with the selling dealer.

Mr. [redacted] purchased the vehicle from Lithia Ford of Klamath Falls. Southern Cascades Finance Corporation was assigned the retail contract and became the loan servicing company/lienholder.  The original contract created by Lithia Ford and signed by the customer was $3905 financed for...

36 months @ 23.99% interest.  The loan balance at time of vehicle repossession was $3,163.51.  Included in the original amount financed was a service contract purchased from the dealership, and the cancelation credit was $340.88 leaving a balance of $2822.63.  The repossession fees incurred from Oregon Adjusters totaled $550 leaving a new balance of $3372.63.  The vehicle was sold at Brasher's Northwest Auto Auctions for $400 minus $120 in auction fees for a net of $280 making the new loan balance $3,092.63. (deficiency balance owed)
SUMMARY: $3,163.51 loan balance
- $340.88 service contract cancelation
+$550.00 Oregon Adjuster repossession fee
-$280.00 Brasher's Auto Auction net proceeds
=$3,092.63 balance owed