TOYOTA CAROLA /TOYOTA FINANCIAL

TMCC (Toyota Motor Credit)

Baltimore,MD.

2006 I had fallen on hard times and made some late payments, October 2006 I had requested a deferment so that I can be caught up and start fresh. They accepted and not only willing to give me 1 month extension but offered me 2 month extension on the agreement I made a payment for September and the amount indicated due to me overpaying for 2 months in 05 that was actually suppose to be applied to principle and was not. An agreement was faxed for me to sign which was done and faxed back and indicated my next payment was 12/2/06 which was done and on time. Jan. Payment was late due to health reasons but I paid it online 1/19/07 and noticed it was not deducted from my acct. Tues. 1/23/07 my car was repossessed and when I called on 1/24/07 they said I owed 3 months, Nov, Dec. and Jan. I told them I paid dec. and have a deferment for Oct and Nov. and jan paid online. I was then told December payment went to Oct payment and they don’t see Jan. payment online and they never received the deferment agreement back from me which was faxed directly to a specific person and her fax. They told me they have called couple times in Dec. and once at my work on 1/10/07. I have never received any calls from them and no messages were left. They claim no one answered home phone or work phone I have voice mail in both places. They later claim that they can’t leave a message on a voice mail at my work unless its my personal voice mail which I told them it was they said they have no way of knowing that, and I told them my first and last name is on there. They tell my I can qualify to have my car re-instated If I pay 819.81 which are 3 months worth of car payment and $340.repo fee. And before they can accept payment I need to fax them copy of insurance and current pay stub which was faxed that day. I called later that day to follow up see if they received fax and was told know they did not receive, it was then faxed 2 more times and called an was told still not received and once they do receive it will take 48 hrs to have approved then when money is sent will take another 2 to 3 days how convenient because the storage of where you car is held is $35/per day from the time they pick your car up to the time you are able to pick your car up upon approval from Toyota and an appointment has to be made. 1/25/07 we faxed again making a total of 4x’s, we call and are still told no fax and sometimes takes 24 hrs for faxes to come thru. We ask to speak to a supervisor and was told no. We asked for a last name and was told they don’t have one but yet I have a first and last name for the person I faxed my agreement to and apparently no one has heard of her. The gentlemen became very rude and ignorant to us, everyone we spoke to was rude with the exception of one woman there who helped me get my car back but I still had to pay for all of it since they claim they never received that agreement. I even told them I spoke to someone in Nov. re: this deferment they told me all was fine and they have no record of that call. They have made it very difficult to get my car back and now 1/26/07 I was charged 4 days of storage total of $140.00 and the gentlemen told me he picked up 10 cars the night before and 3 of which was returned back. When I was with GMAC for 5 yrs I never experienced this problem.