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beagle17 | Cant pay my auto loan, bank won't help.? |
I am struggling to pay a financed vehicle, it is now 2 months behind on payment. I called the bank(Wells Fargo) and asked them what my options were like if I could pay a small amount or something.. The lady said that I had no options I would have to pay the two months in full or the vehicle will be reposessed next week. What can I do, I just need a little time to get back on my feet???? |
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JD
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You need to call in and talk to a different person. Start off on the right foot and be the person initiating the conversation. Tell them what happened, and that you want to make good on the loan. Let them know what you can pay now (they'll likely want at least 1 month's payment) and negotiate a way to get back on track.
If you truly cannot make the payment, and can't the past payments caught up in a short period of time, you really ought to consider a voluntary repossession. It will look bad on your credit, and you won't have a car, but the monkey will be off your back.
If you turn the car in and they make more than you owe at auction, you won't owe any money. However, of they sell it for less than you owe, you will be obligated for the rest of the balance.
You didn't mention what your "issue" was, so it's really difficult to offer "good" advice on an unknown situation.
Best of luck! |
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Farkle
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If you don't have the money, then volunteer to turn the car in for repossession so they don't have to come look for it. If you have been reading the news lately the banks are having the same trouble meeting their financial obligations as you are. They need the money or the car right now. |
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Gene H
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It can really save you a lot of running around to just get an automobile loan price online to check out what the going rates are. You might be really suprised. Also if your credit is not the best, a lot of online loaners are more able to work with people.
What I usually tell friends is that an internet quote at http://auto.lowratetoday.com is what I would do.
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Almond
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Keep the vehicle locked in your garage and try to renegotiate your contract. If they refuse to renegotiate, keep it in your garage until you get out of your financial distress. |
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dec458
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You could see a loan shark or Check Into Cash. You need to find a way to get a short term loan to tide you over. |
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David H
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Call back and ask to speak with a supervisor and explain the situation to them. Ask if you can make a good faith payment. |
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mzdrea08
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you need to call back and talk to someone else.. there are options for you..they can actually add one or two payments to the end of your contract. also, if you do have at least one payment, try doing a quick collect that way you can pay just one payment.. I guarantee if you send in something they will apply it. |
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j l
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If I were you, and your car is your lifeline for work, etc....I'd start parking it around the corner...also at work or repo-man is gonna crash your world. |
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downeymare07
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At the time the car becomes 90 days past due they can and will pick up the car. They can pick it up at 60 days but they don't. I assume you have already done a delayed payment where they tack the payment to the end of your loan? Call Wells Fargo and ask to speak to someone else. They have different levels of collections -level 3 being next to the last person before repo. Some of the people are easier to work with than others. Wells Fargo just picked up our car last month. I had just made arrangements with one of their guys that morning and the repo guy picked it up 3 hours later. Up until that morning I hadn't talked to any of them. Tired of nasty agents. I wanted to have money in hand before I made arrangements with them. I called them after the car was picked up because of the arrangements I had made that morning. The woman told me I had talked to a 'level 3' agent so the fact that they agreed to a payment was nonbinding. With the payments I had made over the last 4 years the car had been paid for almost twice. They will make more selling the car than if they had let me pay off the loan. Wells Fargo is not a bank you want a loan with. They are abusive (if you get one that you can actually understand. Most are foreign and their second language is NOT english. Good luck and hide that sucker while you catch them up!! |
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jack k
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Invest in a GOOD pair of walking shoes. You are toast and the bank is butter. |
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