sorry for the bad grammer, and spelling, and being so long..had to get it out My wife she feels bad enough without me rant at her. We did send payments in checks for the regular $244.00 car payments for April 15th, and May 15th. On May 18 or near that date. Weokie called Donna at her place of work. Regards of car payments for April, and May. Donna replied that the payments for those months have been made. Agent said no. Weokie had add insurance in April, and May to our payment. The forced insurance added on to regular payments of $244.00 maked it a total to $350.00, and for each month of April, and May which comes to a grand total of $700.00. Donna, asked if she just needed to make up the $120.00 difference from the regular car payment of $244.00. Agent said that they didn't accept the $244.00 car payment for April or May. I'm not certain when or how it was actually said..but Donna did mention to agent that she didn't get a reciept back for the Aprls car payment because she used the night deposit box, and the check for april car payment wasn't sent back. Agent said April's, and May's $244.00 checks were shreded, or destroyed. Donna remembers no treats of repossion of the jeep made by the Weokie agent. Donna does remember agent asking when she will be able to make April,and Mays payments in a mannered polite(understanding) voice , Donna said after the weekend maybe, but she knows that both payments will be made before the 1st weekend in June. The Weokie agent said get it in a soon as you can okay. Weokie agent never mention how the funds needed to be. (check,or cash) or being put on a repo list. Donna said that the Weokie agents voice tone, and manners was that a unspoken agreement. Weokie knew we're making our regular car payments, and a miscommunication between us and our insurance company, or just a oversight somewhere was made. What happen was we had are insurance on James's mothers insurance policy. Bundling are insurance coverage with James's mothers coverage, and our oldest daughters coverage we saved money. In February James's mothers car transmission went out. So she will need to save money for the labor, and parts.This will take her a few months. or two to save the money up for the repair. So James's Mother cancled her insurance polices, and our coverage was canceled also. Now my mother inlaw memory isn't as good as it use to be. She forgot to mention to us about or coverage being canceled, or give us back some of the money on the policy. Then she remembers she kept our coverage for the jeep, and she thought we was covered untill May. But what happen is when she took herself, and our daughter off the policy. We wasn't bundling the coverages anymore, so are coverage cost went up, We paid the coverage in advance for 6 months at the discount rate of bundling. When the bundling was drop. Then are coverage cost went up. So we where covered for only 4 months instead of the 6 months coverage in the bundling savings. Weokie did shred April's check of $244.00 payment, and then May's payment check of $244.OO. Made it seem less of a emergency Weokie must trust us enough to turn down funds on a account. We the borrowers are left felling no real pressure to make things worse, by writting two $350.00 check, right after we paid a $289.00 propane bill Plus a $218.00 check for a vet bill, and would like to wait, and make sure non of these suppose to be destroyed checks for $244.00 comes in. We don't want to spend hundreds on bounce check fees. Of course the payments would of been made if Weokie mentioned a possiblity of repo. We would of refiance the car loan. We could obtain a loan using some of or land in S.E oklahoma as collateral. 2 The night of june 2nd before the first weekend of June.Two checks for $350.00 each was dropped in the night deposit box at Weokie on I-240, and Penn location. The very next morning of June 3rd a repo man showed up to get the jeep. He spoke to a person other then the borrowers on the account. About my personal information, and our loan, and the repossion. This person did know, and told the repo agent that we went to Weokie on the night of June 1st to drop the car payments off. The repo agent said he knew this, and Weokie wanted cash now not checks.This person was able to reach Donna at work, and tell her that the repo agent was there to get the jeep. 3 Donna left work on her way to bank to withdraw $700.00 from our checking account. On her way to Weokie she tried using the phone number that the repo agent told her to use. Donna was unable to reach anybody with the number the repo agent had given. She then tried the main branch 235-3030 the number on the receipt, and still wasn't able to reach anyone. Donna went to the Weokie on I-240 and Penn. Donna went to a teller, and said she needed to make car payments in cash. Teller pulled up the account, asked Donna to please wait, then she walked into another room.Teller with two male agents came out, and told Donna that they can't discuss anything with her, because she wasnt on the account. Donna told them that she is on the account. Donna said she has the $700.00 cash, and never did Weokie give instructions on payments in cash and never a threat of repo or a chance of defaulting on the loan during the May18th phone discussion with the Weokie agent.(but donna not on account) Donna told them the repo agent said weokie wanted cash for the payments only now. Donna argued again that she was on this account. Donna asked why is it still being repoed when she has the $700.00 cash their? Agent told Donna if she was on the account she could get the Jeep back. Donna offered to make 2 more payments in advanvce that day in cash also. Donna told the agents that she was on the loan papers as a borrowor on the loan. They again told her no she wasnt on the loan. Donna asked to see their copy of the loan agreement. Thats when a Weokie agent (Donna describes him as heavy set) said they would not discuss any more about the account with her. Donna called the house to talk to the repo agent to get more information on the Weokie agent who sent him. The repo agent left about 5 minutes before her calling the house. So Donna was at Weokie arguing with the Weokie agents for 10 minutes before the repo agent left our property with the Jeep. Donna asked to have the two $350.00 checks she deposited the night of june 2. A agent told her that they shreded both of the $350.00 checks that where in the night deposit box that morning. Donna turn around and left shaking, and crying not knowing what to do. ( 2 different Weokie agents, and at 2 different days May 18TH, AND May 3RD told Donna that checks were destr 4 Donna had to pull off the road serveral times to regain control of her emotions on the drive back to her work .The personal humiliation, embarrassment, mental anguish, and, emotional distress of having Weokie put terms on the table, then when Donna meet the those terms, then Weokie bad obtaining an unfair advantage over our going to get transportation for emergencies if needed? She was two children under 2. How will she get her husband to his doctor appointments, and get his medical treatment? Donna just enrolled her two children both under 2 years old to day care how will she get them their, and pick them up without being late and paying extra fees for picking them up late? Both of Donna children like any other small children have a lot of doctor check ups. Donna just got her promontion at her work. Donna could lose her position that she worked hard to get, and trained for. Living in a rural area where friends, and family takes 30 minutes to get to our house even in a emergencey. Donna wasn't understanding how this went from making every payment, and loan was in good standing as 3-11. To weokie repoing in 2 months, and still making the payments in those two months.. On June 6 after finding the files for the Jeep over the weekend. James called the Weokie branch on 1-240 and Penn. James talked to a male agent their, and James (this phone call was probaly was recorded) told the agent that Donna was one the loan, and James with a head injury still looked at the actual files of the loan before he started making incorrect claims as who was on a loan like Weokies agents have been. James said Donna was borrower 2 on the loan. James was told by the agent no Donna isn't on the loan agreement. James said I have the copies of the agreement. Donna's name shows up as the borrower 2 said James. Donna's name is on the title also on the GAP papers, and she's on the security agreement, and on the open-end plan, and on the joint credit life agreement. The agent said she might be on the title, but thats it. James also discussed that weokie didn't notify us on the increase amount of our regular car payments for the force insurance, and to tell us what coverage type. Both of these issues in the contract, and it says Weokie will notify us of the amount the insurance is, and the type of coverage.This agent had the nerve to say they have tried to contact us many times, by phone and nobody is every at home. James said thats impossible theirs always someone here. James can't drive both of our mothers live with us to help with the kids. The t.v. even has a caller id that shows every call made. Our home phone line has a recorder that holds up to 100 messages. James told the agent that he has went as far back as the middle of March on the recorder, and no message from weokie. Then the agent as what about the notices sent by mail. James said no mail from Weokie either. The agent laughes at James, and said you don't get any mail either. (james took these as being called a lair) James asked for the agents supervisor. (REMEMBER DURING APRIL AND MAY, WE HAD NO REASON TO AVOID WEOKIE THEN OR EVERY.. IN OUR MINDS ALL WAS RIGHT. NO PAYMENTS WERE LATE) When the supervisor ( INITIAILS are LL) took the phone. James told the supervisor that Donna is on the loan, and the two payments of the $350.00 was in the night box to bring the loan current, and back in good standings . Thier was never a mention of accepting cash only, and those terms of cash where meet before the repo agent left are property. The supervisor told James that Donna isn't, or never was on the loan, and weokie's account policy forbids any transactions on a account by a none signer for the loan. (Donna has been the only one every to make a payment on the loan FOR THREE YEARS, and now this one day of June 3rd.. theirs a no check policy, vertify no signers on account clause, Weokie has shown bad faith in April of making payment terms without any intention of letting borrowors know about the increase in monthly payments. Or get enough insurance coverage to cover the borrowers damage (borrower is still paying for insurance with a % charge, BUT DON'T COVER BORROWER ON THE FORCE INSURANCE THAT HE'S PAYING FOR). Weokie had 60 days to send notice before they contacted Donna about the forced insurance (?Donna not on the account, is this a breach of my consumer protection?) on May 18th. James said that Donna has been the only one that has made, or deposited payments on this account since day one. Also we had to put more money down to get her on the loan. The supervisor said no she hasn't been able to access the account like a describe. Only the person with thier signature on the loan documents has permission to do any type of transaction. James explain on all of his copies of the files. Donna's name is printed on every document that ask for the second borrowers name. Donna is on the title, she's on the loan agreement, and she's even on the joint life disablity, and the Gap agreement.The supervisor said he hasn't seen the files on the account yet.The files on the account wasn't in front of him (but 5 minutes ago the supervisor knew evevything about the account, such as when payments was made, or if they recieved them, notices Weokie sent out to us). He asked for a second to go look. He came back to the phone after a few minutes, and said that Donna was too on the account. James said thank you for looking. Why couldn't any of the three weokie agents look at the files on June 3rd. Which if someone at the weokie office did thier job. Our jeep wouldn't of been taking, and $1,000.00s of our money wouldn't go to the repo agent, and $1,000.00s of our money wouldn't go to Weokie for the intrest, on all the repo charges, and fees add to the principal of the loan. Weokie will get almost 2 more years of us making payments on a car we don't have. Weokie also gets a $8,500.00 car to sale. A car lot probable will buy it. Resell it and use Weokie as a lender to fiance it. We have only 2 years left, on a 5 year loan. Why would we let a car with positive equity, and we have made over $8,000.00 in payments on, and we aren't struggling now as in the first 2 years of the loan.? Why would we give up on a 4.5% intrest rate, to a 21% intrest rate. The repo gets on are credit recorded. Have to put more money down for a car.We have no trade in now. It makes my blood boil to thinking about going back to the 18% intrest rate again. We had to buy 2 cars, and spend extra $1,000.00s on just intrest before we finally got out of the negative equity trap. ( what we spent in intrest on 2 cars at 18% we could of bought 3 cars.) Not ease to spend $4,000.00 extra on intrest on a used car with 70,000 miles When the loan is paid off you spent over $19,000.00 on a viechle worth now $1,900.00. We did these twice. Now would you please work with us to get the jeep back from the repo. Supervisor said if we paid the full note off we could get the jeep back. James said this morning it was only the two $350.00 payments. Supervisor said that was before the repo charges, and James said, the payments was at Weokie in two checks of $350.00. Then it had to be cash when cash was offered, you claim the person wasn't on the account to make payments. Which now we all know Donna is on the loan, and she was at Weokie before the repo man drove away with the jeep. (The supervisor told me that no checks where deposited on the account, or in the night deposit box this was before he looked to see who was signed as a borrowor, Supervisor also said no payment were sent in April, or May. James told him that the regular $244.00 car payments was sent for april, and may, and Weokie didn't accept those checks because it wasn't for a new payment of $350.00 that we didn't know about. James also said it was weokie responsablilty to inform us of a increasement of payments. If not how do we know what to send as a payment, and Weokie suppose to inform us about the type of coverage. It wasn't till may 18th that Weokie finally called Donna about the $350.00, and funny it took two whole miss payments before weokie would attempt to reach us. . Donna was there at Weokie before the repo agaent left.Then Weokie tells Donna she's not on the account, and thats why Weokie wouldnt accept the payments for the Jeep, the repo went on.She had 2 checks of $350.00 each deposited in the night box the night of june 2nd, and funny how the next morning the repo agent was at our house. Supervisor lied and told James ON OR AROUND JUNE 6TH no checks($244.00) came in for our account during april, and may. And no checks($350.00) where in the night deposit box on the morning of June 3rd.The supervisor wasn't aware that his bank tellers already told Donna in person, and on the phone that they did get the checks, and weokie shreded them. corruption, and fraudulant acts were being made by Weokie to cover up thier mistakes, lies and errors. Weokie agents where complaiced in this supervisor tell him that a person wasn't on the loan without even looking to see if they can save a customers that been paying at least $8784.00 on a loan for 3 years from losing their car because of extra $120.00 dollars a month. And have $3,000.00 for repo, storage, insurance, auction fees, milage, detailing fees, and misc charges, and pay Weokie a percentage on a car loan up to $8700.00 and don't have the car anymore, and the borrowors had the loan payoff down around $3,800.00 Now the borrowors need to come up with a new down payment, pay higher intrest for the loan, and TT and Taxes, and have a repo on their credit report. And reward weokie with monthly payments for their scam, and lies. So we let $250.00 of insurance coverage to cost us. $13.500.00 the orignal loan amount plus the $650.00 finance. Payoff on the loan was near $4,000.00. Because of repo the car loan payoff is back up to $8,700.00, and we have no car. The repo cost of $3,100.00, + insurance $1,000.00 + percentage rate. Plus the $17,000.00 car loan for a 2005 ford escape at 21% rate (invoice on the escape model was $18,400.00 new in 05) (which if paid off will cost us $24,000.00, and the escape will be worth under $2,000.00). $18,000 on jeep + $23,000 on escape = $31,500.00 is what only 2 months of missing insurance cost us money terms...($240.00 the cost of Weokies insurance for 2 months). The rest is paid by our bodies nerves. After Donna got off work she called a friend to give her a ride to a car lot. The only car lot open was GAC. (Gaurinteed auto credit) Well those sales people knew Donna was upset, and she had no bargining skills, and she was so scared in not able to get a car. The fear of losing her job, or finding a way to home get home.. Donna has never bought a car solo before.Donna mostly relied upon human honesty by the sales person to not take advantage of her in a car purchase. Donna got talked in buying a 2005 ford escape XLS 4cyl, 2wd with 75,000 miles for $16,500 and with a intrest rate of 21%. She gave $17,000 for it. Donna put $500 down and financed the rest of the balance of $16500.00 with a percentage intrest rate of 21% GSA told Donna that they took off $800.00 of the price of the ford escape for her. So it was priced for $17,800.00. The Invoice on this car brand new in 2005 was a little over $18000.00. The MSRP brand new in 2005 for this model was $19,889.00. It gets better before Donna left with the escape. Donna's friend husband showed up, and told Donna that the differtial was leaking. Saleperson told her they would repair it.Just call, and bring it in. 3 days later the transmission went out of the recent bought ford escape. Since she's bought the ford its been in GAC's shop more then our driveway. The ford was claimed repaired, and given back to Donna. Before she made from OKC to Mustang when the transmission went out again. On or around thursday June 16. Donna called a attorney for some advice. Attorney told her to find out when the Jeep was going up for auction. Donna called weokie, and asked for the auction date was. A agent asked her if she received a notice in the mail? (Defective Notice of Intent) Donna said we havent received nothing in the mail from Weokie on any matter on our car loan account. The agent asked her to hold. Agent came back to phone and said monday the 18th of June. We found out that the 18th of June was on a Saturday not Monday. Also Weokie again by law suppose to send us a notice. Of the day of auction. Where, and time. so we could attend. Friday Donna, and James spent $1500.00 to filed chapter 13 for Donna.. How could we live the rest of are days felling like a sheep. Feeling like we're part of a group of people that were manipulated to fail in are loan. How we preceived Weokie as a partner not a predator. The difference between a car jacking, and weokies lying, and deceiving us out of the Jeep. Weokie didn't need a gun. 5 We saved the Jeep from the auction, and picked it up on friday around 4:30 p.m. From weokies main branch. We just bought 4 new tires for the Jeep in 5-10-10. Little more then a month for the tires to be just one year old. The spare never been used. Saturday morning the right back tire was flat so was the spare on back. Both tires have a small puncture hole. Two days later the air-conditioner went out in the jeep. James has a friend that works at Express credit auto, and in spring James had the air conditioner in the Jeep serviced. Summer heat is hard on small children that not use to riding around in a hot car. Our mistake wasnt in bad faith, or with any intent to decieve, or manipulate failure opon others, or keep economical information thats absolutly neccesary for payments to remain current. Weokie agents calculated and thought out 10 mistakes, or lies to hide. To allow us to fail in our loan and to be perceived us as bad debtors that took advantage of Weokie. DONNA, and JAMES WILL JUST BE PERCIEVED AS JUST ANOTHER BAD DEBTOR THAT OVER EXTENDED THEMSELVES. Weokie 1WEOKIE lied about who was on the account .Weokie unconscionable gave false, or misleading information to delay, and to limit the borrowors ability actions on the to also Weokie withheld information 2WEOKIE lied about receiving the regular $244.00 car payments for april 2011, and may 2011( IRS CLAIMED I OWE THEM $38,000.00 IN 2008. CALL THEM AND SEE IF I ANSWERED 3Weokie lied about sending any notice about the forced insurance increase in car payments. THE PHONE TO THEM EVERYTIME THEY CALLED.) I DIDN'T OWE THE IRS ANYTHING 4Weokie didn't tell donna on May 18th, 2 months without knowing of payment increase, of the coverage type of insurance, and Weokie wanted cash not checks.nor the possibility of a repo. 5Weokie agent (REPO MAN) talked to a person about are private financial status of our account on the Jeep. Consumer protective rights 6Weokie neglagence in not knowing who was the 2nd borrower on account. 7Weokie failure to contacts us on the auction date. Donna's lawyer asked her to call Weokie for the auction time. this was the 16th of June. Auction was 2 days away... 8Weokie lying to us about the actual day of auction. Donna was told Monday the 18th, and the 18th is on a Saturday 9Weokie talked to donna as of May 18th about the account like they always have. Then june 3rd she wasnt able to do banking buisness on her own account. Weokie had Donna leave work to bring cash to the Weokie office to turn her down because they claimed without verifing if she wasn't on loan....... 10Weokie did say before loan paper where signed that they would with $1300.00 down Donna could ne on the loan and, Weokie doesnt have to, but will report Donna to the credit breaua. With only $500.00 down, James would of been on the loan only. 11Weokie lied, or falusified numbers on the loan agreement. Wrong income amounts, and employer.. 12Weokie lied about the 2 payments of $350.00 in checks droped in night deposit box on June 2nd. Checks on june 3rd morning was shreded by Weokie employees. 13Weokie lied to Donna on june the 3rd about taking cash to the office, then turn her away. having her to leave her work, with the hopes of bringing cash to satisfy Weokie. 14Weokie letting us spend as normal on months of April, and May .A spand of days over 60 without notifing us about a extra $120.00 added to our car payments. 15Weokie knew their had to be a oversight with our insurance. Then after may 15th we wouldn't have the total funds to make both $350.00 car payments at once. WEOKIE FINALLY called after 15th to get a feel if we could get the payments to them in a couple of days. If so the next day the jeep would of been repoed. Donna told weokie the lastest would be before the 1st weekend of June. Weokie knows Donna works 12 hour days, 6 days a week, and makes a lot of payments by night deposit. 16Weokie giving us plenty of time (only 13 days from being told of needing $700.00 to repoing, and they had the checks in 12 days) and 17Weokie must of not believed we could come up with the payments so fast. The night of june 2nd the payments where in the night deposit box, repo agent comes to the house the morning of june 3rd. with the a Weokie message only will accept cash for the car payments the same morning of Weokie having the payments to stop the repo was the 1st day every in the 3 years Weokie establish a only cash policy for late, early, on time, and no checking on the account holders name policies. 18Weokie after doing transactions on this loan for 3 years with Donna only, On june 3rd she wasn't even on the account, and couldn't pay the late payments on her own loan to keep her jeep she's been paying on for 3 years, and over $8,000.00 from it being (stolen) reposed. Weokie told Donna if she was on account they would accept the payments. 19Weokie said june !st was the orginally repo date. Never was this dead line to default info was given to donna on may 18th. 20Weokie lied to us about reporting donna to a credit agency All this mistakes made by Weokie in 2 months. All on one account. Strange happenings 1 Weokie claims the same 2 months they had to forced insurance, was the same two months in 11 years living at the same location with the same home phone number that are phone lines, and our mail had problems. So all of their notice failed to reach us, but two days after 2 late payments Weokie was able to talk to Donna (remember Weokie says Donna isn't on the account), about the whole payment increase, insurance, when payments might be made, pre transactions on account (checks for 244.00 april,may), and nothing mention of what type of insurance coverage I'm paying for with % charges? Only the type that covers Weokie.? . 2 Weokie claims Donna not to be on the account. This happens to be the only day out of total of 1,065 days that they did grant Donnar access to the account. In fact the same day Donna had the $700.00 cash to save the Jeep from repossion, and save us in $1,000s in repo fees, storage, insurance, and misc charges was the only day Donna wasn't on the loan. 3 Strange again how on june 2nd payments made and caught up the car loan. June 3rd morning repo man shows up. 4 Strange how Weokie made the no check for auto loan payment policy for the first time ever in our accounts 1,065 days of history. 5 Strangest thing it was on june 3rd the same morning of the repo. The no check policy went out that morning. Are loan contract has no agreement in that Weokie has the right to refuse checks at any time, and demand cash only as payment. 6 Strange how Weokie for more then 60 days tired, and tired to reach us wanting to warn us, and after being exactly 2 payments behide then all of sudden the phone lines work, and able to reach Donna. 7 Strange how weokie didn't even to look at the files for our accounts on the auto loanes to verify a customers legal rights to their accounts information, and have all the rights under law to have access to their accounts without being harrassed, or felt unsure of her rights under the law. Gone missing on the morning of june 3rd. But weokie was able to locate all this files soon as Donna left. 8 Strange how weokies bank tellers, and agents only have memories of shreding are car payment checks for 3 days. On june 3rd in the weokie's at 240-penn.Teller told Donna of 2 checks. that was in the night deposit box on june 2nd being shreded(the 2 $350.00.) Then back on May 18th on the phone another teller told Donna that they shreded the check for Aprils, and then the check for Mays car payment. ( the regular $244.00 monthly car payments made before we knew of the increase to payments for insurance) ( I belive this tellers were honest, and not having experance enough to pick up on certain in house indications, or sign that less said to customer is better. In case their supervisor needs to lie on wits, common banking procedures without knowing all facts, and what Weokies faults, and failures that might expose them as being negligence in handling the matter. Without the supervisor knowing that confirmation on all 4 checks by Weokie employees and the checks were in the pocession of Weokie on time for April, and May car payments. Then the discussion on Donna being on the loan, and supervisor told me she wasn't. After 15 minutes of arguing that Donna was on all the documents as borrower #2, ( I caught him lying about the checks, and I also knew I was right about Donna being on the account I had the copies, and I wasn't going away.) Finally he felt his argument was lacking creditability, and the supervisor said he's doesn't have the files memorize, and he doesn't have it in front of him. He said he'll be back after looking at the account information. Will he came back after 10 minutes, and confirmed that Donna was on the account. Then the real reason that it took 10 minutes to look for the names on the account. Supervisor was looking for anything that would seemed to give Weokie authority in justifing an unfair, and deceiving pratice on are account. Because we already had a repo on this account once before. And a new policy that I never heard before is if a car gets repo the 2nd time its a automatic payoff. Not in my contract does that appear. Was this policy intruduced 5 minutes ago. Because if that policy has been around it seems the supervisor only knows about it .Clear that Weokie manipulated events to have us fail on our loan. A payoff wasn't what the repo agent said, "Weokie wanted the 2 payments in cash" never did the repo agent said full payoff. If so Donna wouldn't of left work to take $700.00 cash to Weokie, or when Donna was at Weokie on June 3rd. Instead of Weokie employees arguing about Donna being on the account and Weokie agents telling that if she was on the account then she could get the jeep back. Why didn't they tell her then about the 2 repo on account is a automatic payoff.? 9 Strange that we should be the ones punished, and weokie gets to make twice of much profits as they should off of us. 10 Strange how the phone service, and mailing stopped working again within 2 weeks of the auction. 11 Having 2 small children Donna, and James wouldn't let a viechle they've been paying on for three years A viechle that is worth more then whats own on the note, and has equity. Decide it would be better to come up with a new $1000.00 down payment .Make higher monthly payment on a high intrest rate for 5 years. On a negative equity loan .Pay for tax, title, and tag for a another used car, plus insurance on the car. Let the jeep go back (it was going to be paid off in 2 years) now because of repo charges, and storage fees, filing fees, and misc charge percentage. Well get to pay a extra $3000.00 added to the note on the jeep. Arrange to have people drive us to the stores, and doctors appointments, and to Donna's work, and around car lots. And then we get to make two car payments one for a jeep we don't have, and another payment to a 21% buy here, because of are credit, and income position..all for 240,00 worth of insurance. Instead of just one car loan with the security of the loan (jeep) having equity at the end of the loan. We be making two car payments for negitive equity, and never get out of the high% rate, for a long time..decades maybe... Weokie poistion themselves to make a bigger profit, in kickbacks with repo agent, ( overcharges$$, storage$$ milage$$, hookup$$, repos commission$$, auction fees$$, detail$$, more misc fee$$, all with charge % ). Then the insurance companies ( premiums for high price, and little insurance coverage that i will be charge a % on too). Weokie looked at the numbers on the account. Knew how to NEARLY triple their profit on one loan account. Example I put $1,500.00 down to get a $10,000 loan. i'll pay $850.00 in % charge. I get the account in 3 years at a payoff of $3,700.00, and the car is worth $8,900.00. Now if Weokie can get the car in a repo. Then Weokie can add to the orginal payoff of $3,700.00 the repo charges, storage, auction fee, misc charges, and insurance That brings the payoff back to $6,700.00, and with % rate charge of $600.00 also, brings the payoff to a total to $7,300.00 for a car we dont have. Plus $6,300.00 already paid before the fraud repo. Brings the total to $13,600.00 + $1,500.00 on the down. Brings the total of $15,100.00 to Weokie, and they get the car. Weokie will sale the car at a auction for a $7,500.00. So I ballpark of $22.000.00 profit Weokie makes on a $10,000.00 loan. And the car lot that buys the car at the auction will use Weokie as a lender to finance the car to another buyer.( I know thiers a kickback scheme for this leaders, and a car lot , and repo company) Maybe something like this. Weokie sets up borrowers to fail on their loans when the borrower get the loan more then 60% paid off (with Weokies your not on the account scheme, we want cash scheme, thier failure to notifiy borrowers of increasing the payment amount scheme, or no notice of the day of auction scheme and a few more we're not even aware of)). Repo company is to recover the car, and tow car to the storage, and to the auctions. Well I bet the storage lot for these repos cars will have a shop close by.The repo man can manipulate the cars performance by removing fuses to make the engine on the car run terrible, and smoke. A lose negative battery wire causing a intermittent open will have sensors not performing thier functions, and leaving a unburnt fuel smell, alot of smoke from the exhaust pipe, and dashlight not to work, and electric windows not to operate. Remove a relay, or remove the good relay, and install a bad a bad relay to keep A/C from working, or heater depending on the season. (HOW MANY BUYERS AT A CAR LOT CARING A VOLTAGE, AND OHMS METER) Find some crushed acrons, and shreded newpaper, (probably shreded checks for that account) and, foam cups. Mix those items up into a ball. Open the hood to car. Find a spot to put the ball at that anyone looking at the car's engine can easily see it, and another ball in the glove box so potential buyers will think some sort of rodent has been eating the hell out of the electric system. Throw several empty fast food sacks in the floor boards will help the complete the look wanted. Smoke a strong scented cigar in car. Then dirty ash tray up with cigerette butts, get a nasty used car lighter to replace the one if not been used. Find some sand to put in the console, glove box, trunk, and anywhere inside the car would it would be hard to remove. Add some sand in the air filter housing container BEFORE the air filter. Experance car buyers look for sand ond, other signs of a car thats been in a flood. To top the whole mistreated no maintance, and possible flooded look to the car. If the car has all 4 matching good tires Replace with worn non matching tires or keep the matching 4 good tires on, and let the air out of the spare, and make a small hole for a slow leak of air in one of the tires on the viechle (this is if you drive the car some distance to the auction) A few blocks before the auction site, pull over and remove the fuses, or relays. Then Drive the car into the auction site with a missing firing engine, smoking exhaust, no A/C, and electric windows not working, some signal lights work, check engine lights on, and with some sort of rodent living in the engine department. And of course any 5 year old car will normally will have it's own dents, dings, and a few scratches thats will just add to the deception of a bad previous owner. The final phase is simple as pie, theirs a car lot buyer that knows all of these faults of the car was manipulated by the repo agent to keep bidders away, or to keep bids low on the car. Example a $8,500.00 car will drop down to $4,000.00 at a auction just on missing fuses, bad relay, and with some sand. So the car lot will buy this car, for the $4,000.00. Put back in the removed good fuses, and relay. TIghten the negative battery cable. Repair small hole in tire. Park it on the car lot with a $8,200.00 price. Weokie gets the $4,000.00, and charges the difference to the default borrowors. The car lot will use Weokie as a lender for the next buyer of the car. Repo company besides the profit from repobuissness, gets a kickback for their fuse pulling parts. Remember that they never gave notice to us so we couldn't see the car running, and looking like crap without working lights, electric windows We wanted to get Donnas credit started. The down payment of $1300.00 was for Donna having the weaker credit report. The reason weokie had us to put $1300.00 down was to have Donna on the loan to start her credit, and Weokie agreed to report Donna to credit bureau. Then three years later they tell Donna she's not on the account, and havent been reporting Donna to the credit bureau. James with $500.00 down through weokie could get the loan by himself. For Donna to be approve on the loan as a borrower we needed $1300.00 down. So we trade-in a viechle that was paid off. We went a extra $800.00 to have weokie as a partner, and they can't make a phone call, or mail a notice to us in 60 days. We've been living in the same house for 11 years now with even the same phone number. Made payments, and the down payment totals to $8784.00 leaving only around $3,500 left to payout on. Now because of the repo, insurance, fees, stroge, and misc charges weokie claims payoff around $ 8,500.00 now. All because of $120.00 weokie added on to regular payments without telling us. The contract states they will notify us, if that means certified mail, or sending a agent to our home. Proof besides their words on it that they did try to notify us. Remember the borrowers had no reason to avoid a phone call from weokie for 60 days while we knew we hadn't missed a payment. Weokie knew if they gave the proper notice that the borrowers would esaily rectified the error. Weokie knew this was their last chance, and real good one. To cause damage to peoples credit, they done this scam plenty of times, and never been caught doing it, because weokie agent are too slick to get caught. We spent a extra $800.00 down to get Donna on the loan, and weokie screwed us from 1st payment. Those who manipulate the unseen mechanism through clever and constant application of deceivful unhonest acts, In almost every phase of our lives whether in the sphere of politics or business in our social conduct or our ethical thinking, we are dominated by the relatively small number of persons who understand the mental processes and social patterns of the masses. It is they who pull the wires that control the public mind. Half the world is composed of idiots, the other half of people are clever enough to take indecent advantage of them. By simply using language as a tool for concealing the truth.We must not conceal from ourselves that no improvement in the present is possible without a severe struggle; for the handful of those who are really determined to do something is minute in comparison with the mass of the lukewarm and the misguided. And those who have an interest in keeping the machinery of hidden agenda going are a very powerful body; they will stop at nothing to make public opinion subservient to their own thrist of profits.. Wisdom is your perspective on life, your sense of balance, your understanding of how the various parts and principles apply and relate to each other. It embraces judgment, discernment, comprehension. It is a gestalt or oneness, and integrated wholeness. Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are.