West Coast Auto Finance

Our policy is to attempt contact for each of our customers - days before the 1st payment is dueAt this time we explain the options of payment, due date, the grace period and late fees (also stipulated on her signed contract at the time of purchasing the vehicle).Ms [redacted] has made most of her payments on timeHowever, her? December 28th? payment was not received until January 27, If payment was received in a closer proximity to her due date, we would have be willing to work with her on the late fee of $(5% of her monthly payment - as per her signed contract)However, it was not received until? days past the due date.When Ms [redacted] stated that she signed the purchase agreement over year ago and was not able to locate the contract, we offered to send her a copy of the original contract for reviewHowever, Ms [redacted] stated she did not want the contract copyAnd only wanted the late fee removed.I feel that we have done our best to explain and to assist Ms [redacted] as a valued customerPlease contact Eric or I, ? via email, if you require any other information or would like to discuss this matter further.Ms [redacted] remains a valued customer of ours? Sincerely,

Please understand that late fees exist in credit cards, home loans, personal loans and so forthIt is a common business practice when dealing with loansLate fees are typically set up to help a company with the extra labor and office expenses included in making payment arrangements and doing the paperwork for the arrangements or in collection costsThe late fee charged, as per the agreement, is not an unusual business practiceAnd I do not feel that our company is out of line in charging the $for a late fee

Our policy is to attempt contact for each of our customers - days before the 1st payment is dueAt this time we explain the options of payment, due date, the grace period and late fees (also stipulated on her signed contract at the time of purchasing the vehicle).Ms*** has made most of
her payments on timeHowever, her December 28th payment was not received until January 27, If payment was received in a closer proximity to her due date, we would have be willing to work with her on the late fee of $(5% of her monthly payment - as per her signed contract)However, it was not received until days past the due date.When Ms*** stated that she signed the purchase agreement over year ago and was not able to locate the contract, we offered to send her a copy of the original contract for reviewHowever, Ms*** stated she did not want the contract copyAnd only wanted the late fee removed.I feel that we have done our best to explain and to assist Ms*** as a valued customerPlease contact Eric or I, via email, if you require any other information or would like to discuss this matter further.Ms*** remains a valued customer of ours Sincerely,

Our policy is to attempt contact for each of our customers - days before the 1st payment is dueAt this time we explain the options of payment, due date, the grace period and late fees (also stipulated on her signed contract at the time of purchasing the vehicle).Ms*** has made most of
her payments on timeHowever, her December 28th payment was not received until January 27, If payment was received in a closer proximity to her due date, we would have be willing to work with her on the late fee of $(5% of her monthly payment - as per her signed contract)However, it was not received until days past the due date.When Ms*** stated that she signed the purchase agreement over year ago and was not able to locate the contract, we offered to send her a copy of the original contract for reviewHowever, Ms*** stated she did not want the contract copyAnd only wanted the late fee removed.I feel that we have done our best to explain and to assist Ms*** as a valued customerPlease contact Eric or I, via email, if you require any other information or would like to discuss this matter further.Ms*** remains a valued customer of ours Sincerely,

Please understand that late fees exist in credit cards, home loans, personal loans and so forthIt is a common business practice when dealing with loansLate fees are typically set up to help a company with the extra labor and office expenses included in making payment arrangements and doing the paperwork for the arrangements or in collection costs.
The late fee charged, as per the agreement, is not an unusual business practiceAnd I do not feel that our company is out of line in charging the $for a late fee

I am rejecting this response because: regardless they should have waived the fee due to him not reminding me there is a late charge from the beginning he waited till the day of the to tell me I only had the amount I was told to have from the 6th of the month contract or none he should have stayed also add late fee when you call us to make payment he did not do soUnroll the day I had the payment I had to call and borrow the extra

Please understand that late fees exist in credit cards, home loans, personal loans and so forthIt is a common business practice when dealing with loansLate fees are typically set up to help a company with the extra labor and office expenses included in making payment arrangements and doing the paperwork for the arrangements or in collection costs.? The late fee charged, as per the agreement, is not an unusual business practiceAnd I do not feel that our company is out of line in charging the $for a late fee.?

Please understand that late fees exist in credit cards, home loans, personal loans and so forth. It is a common business practice when dealing with loans. Late fees are typically set up to help a company with the extra labor and office expenses included in making payment arrangements and doing the paperwork for the arrangements or in collection costs. The late fee charged, as per the agreement, is not an unusual business practice. And I do not feel that our company is out of line in charging the $12.52 for a late fee.

I am rejecting this response because: regardless they should have waived the fee due to him not reminding me there is a late charge from the beginning he waited till the day of the 27 to tell me I only had the amount I was told to have from the 6th of the month contract or none he should have stayed also add late fee when you call us to make payment he did not do so. Unroll the day I had the payment I had to call and borrow the extra

Our policy is to attempt contact for each of our customers 5 - 10 days before the...

1st payment is due. At this time we explain the options of payment, due date, the grace period and late fees (also stipulated on her signed contract at the time of purchasing the vehicle).
Ms. [redacted] has made most of her payments on time. However, her December 28th payment was not received until January 27, 2016. If payment was received in a closer proximity to her due date, we would have be willing to work with her on the late fee of $12.52 (5% of her monthly payment - as per her signed contract). However, it was not received until  30 days past the due date.
When Ms. [redacted] stated that she signed the purchase agreement over 1 year ago and was not able to locate the contract, we offered to send her a copy of the original contract for review. However, Ms. [redacted] stated she did not want the contract copy. And only wanted the late fee removed.
I feel that we have done our best to explain and to assist Ms. [redacted] as a valued customer. Please contact Eric or I,  via email, if you require any other information or would like to discuss this matter further.
Ms. [redacted] remains a valued customer of ours.  
Sincerely,

Review: I been paying my car note on time every month I called January 6th 2016.spoke to rep asked if I could pay late having issues. He said he will give me till Jan. 275th I said ok . I called to make payment and guy (erick) says you need to pay late charge mind you I borrowed this money for the exact amount they never told me about late payment. He continues to tell talk over me while I try to explain I was unaware I've always paid on time and I was not informed of this when I called he continued to tell I said I'm valued customer I call I never had anyone speak to me the way you are I simply said that they need to remind customers of this if this is so. He stated he was the boss the owner. His voice was loud and agressive and instead of listening he tells says are you gonna pay or not give me your information. That is not how you talk to customer who's paid for 2 yrs on time and her vehicle will be paid off in a couple months she's stressed she didn't have enough she was only told to pay regular payment. If he is the owner he has no right to speak to anyone in that time or matter.Desired Settlement: Please have them remove late fee since I was not informed and I've always been on time so I was unaware of it and even if they say it's in my contract I don't remember I been paying on time for 2 yrs to even know there's late charge.

Business

Response:

Our policy is to attempt contact for each of our customers 5 - 10 days before the 1st payment is due. At this time we explain the options of payment, due date, the grace period and late fees (also stipulated on her signed contract at the time of purchasing the vehicle).

Review: TO DAY I RECIEVED A CALL/MESSAGE FROM MY FINANCE COMPANY WEST COAST AUTO FINANCE IN REGARDS OF PROOF OF INSURANCE. ONCE I CALLED BACK I ASKED TO SPEAK TO [redacted] THE PERSON WHO LEFT THE MESSAGE TO GIVE THEM A CALL,I THAN TOLD HIM WHO I WAS AND MY TYPE MAKE AND MODLE OF MY CAR. HE THAN WITH A RAISED VOICE STATES I SPOKE WITH YOU BACK IN FEB/2014 AND TOLD YOU I NEEDED PROOF OF INSURANCE I THAN INTERJECTED AND ASK IF HE CAN STOP YELLING AT ME AND THAT I SPOKE WITH MY INSURANCE COMPANY IN FEB/2014 AND ASKED THEM TO FAX OVER THE REQUIRED DOCUMENTS THAT THE LEAN HOLDER NEED IN ORDER TO SHOW PROOF THAT I HAVE INSURANCE. MY INSURANCE TOLD ME THEY WOULD. I THAN TOLD [redacted] IM NOT SURE ON WHAT YOU WONT ME TO DO BECAUSE PERVIOUSLY I ASKED [redacted] COULD I JUST BRING THE DOCUMENTS TO THE OFFICE HE TOLD ME NO. HE THAN SAID WELL I DONT KNOW WHAT YOUR GOING TO DO BUT I KNOW WHAT IM GOING TO DO AND I SAID WHAT IS THAT HE THREATIN TO REPO MY CAR IF I DID NOT HAVE THE DOCUMENT HE WAS LOOKING FOR IN A 24 HOUR TIME SPAN. AND THAN HUNG THE PHONE UP. I CAN CALLED BACK HE ANSWERED AND I ASKED BY DID YOU HANG UP ON ME I WAS NOT DONE TALKING HE ARGUED THAT I HUNG UP ON HIM AND HUNG THE PHONE UP AGAIN I THAN CALLED BACK AGAIN HE ANSWER AND SAID HOW DO IT FEEL. HE HUNG UP I THAN CALLED BACK AND ASK TO SPEAK TO HIS SUPERVISOR HE YELLS I'AM THE SUPERVISOR YOU HAVE 24 HOURS OR I WILL REPO YOUR CAR AND SAID IF YOU CALL BACK I WILL CALL THE POLICE HUNG THE PHONE UP AGAIN. I CALLED BACK ABOUT 5-6 TIMES AND MY CALL WAS GOING STRAIGHT TO VOICE MAIL. THIS IS ABOUT THE 3RD TIME THESE PEOPLE HAVE BEEN REALLY RUDE AND UNPROFFESIONAL TOWARDS ME.Desired Settlement: I NO LONGER WONT TO DO BUSINESS WITH THIS COMPANY I WOULD LIKE A REFUND OF ALL THE PAYMENTS THAT HAVE BEEN MADE ALONG WITH NO CONTRACT BEING VOIDED.