In April of 2008 I was in a car accident that totaled my vehicle. I HAD to get another car in order to be able to work. Due to having lost a job just 2 years prior which caused me to loose my house and get behind on EVERYTHING, my credit was bad!! I already KNEW I would have a hard time getting financed for a new vehicle. CapitalOne was the only company that would give me a loan (so, I really didn't have a choice in the matter) and I had to have my mother co-sign as well. So, with a 20+% INTEREST RATE... I signed over my life. With the interest being SO HIGH I had to sign a 6 year loan just to get the payments down under $400. Well, in the spring of 2009 my credit debt and foreclosure finally caught up with me and I was being attacked by attorneys demanding thousands of dollars that I just couldn't pay... I felt at the time that my best option was to file a Chapter 7. (I had an excess of about $250K worth of debt at that time). We decided that since my mother was the primary co-sign on the car loan to not include it in the bankruptcy because I still HAD to have a vehicle and I didn't want all that to reflect negatively on my mother. Throughout the whole process I continued to make my payments (even though my normal account was frozen and I could no longer make payments online - they considered that a "convenience" and I could not have that luxury because I filled a bankruptcy). "whatever!"
I got my discharge about 4 months after filling. Since then I've just continued to make my payments. I set it up where I can pay online through my bank. LOL
Well, recently like within the past 2 months I've been through a LOT of medical stuff. Just one thing after another. (Just hit a rough-patch... "it happens"). Well, since it's been 3 years since my discharge and I've been in perfect standing with my account I thought that MAYBE I could defer ONE payment to help me get caught up with everything that's been going on. But NOOOO... She said "No, you're account is still being held with our bankruptcy department and you can't make any modifications to your account." WTF!!!!! Um, that was 3 YEARS AGO!!! WHY IS MY ACCNT STILL ON HOLD??? And if I'm in good standing WTF can't I defer ONE payment?? I'm ABSOLUTELY FURIOUS!!! I'm really at a point where I just want to LIGHT MY CAR ON FIRE and PUSH it over a CLIFF -- between my insurance and GAP they'll take care of it and I'LL BE DONE with CAPITAL ONE and their BS!!! Oh and I STILL can't make payments online with them... (not that it matters anymore) -- but what sense does that make... at least I pay it!!! It comes out of the SAME *** ACCOUNT!!
And all of this medical stuff, it's pretty serious!!... Like, if I don't have these procedures done then I run the risk of heart-attack and stroke... so, to CAPITAL ONE: "What happens when I have a heart-attack and DIE? YOU SURE AS *** WON'T GET PAID THEN!!!"
To anyone that's reading this... sorry for the length... but DO NOT DO BUSINESS WITH THESE PEOPLE... they RIP ME OFF every month with EXTREMELY HIGH INTEREST RATES and yes, I've had a hard past -- and had to make some tough decisions -- but I shouldn't have to CONTINUE to be PUNISHED for it!! There is NO REASON in the WORLD why I shouldn't be able to defer ONE payment esp. after having made 4 YEARS worth of payments every month ON TIME!! They just want to be DOUCHE-BAGS for NO REASON!!
Product or Service Mentioned: Capital One Loan.