Drive Financial - Dallas TX review: Keep away from this company! 91

I purchased an 04 Ram in Sept. of 05. I knew the interest was 18.5 % when i signed the contract. to avoid missed or late payments, i opted fot the direct draft. This went fine till may of 07 when they, for no reason, stopped drafting my account. I caught on and paid the amount due wich was well over 2000 dollars. they started drafting my account again and everything was fine till July when they stopped drafting again. I have been overseas since june adn just arrived back in the US on the 8 of January. I checked my account and was advised that I was 5000 behind and that they had written of the vehicle. I have tried to contact them to find out what I can do to resolve the issue, but can not get anyone to talk to me. They have not goten my vehicle as it has been in my garage since I left, but they don't call me so I am at a loss as to which way to go from here. Any ideas?

We have had the same problems with Drive. They call everyday, call family members, tell them things that are personal. We have had payments posted to the wrong account, added fees posted to our account and our vehicle picked up without any prior notification. They are very rude on the phone.
They also charged us $2500. to process our loan that we didn't findout about until later. We were told the extra charges were for taxes. Later to findout we owed taxes that we had to pay out of pocket for. We were told we could refinance for a better interest rate after 1 year only to findout they don't do refi's. My payoff is now larger than the truck is worth and noone will refinance it. This we owe thanks to all the charges and high interest rate from Drive Financial.
I believe they are nothing more than theives and should be stopped. They are ripping off the low income people who are trying to better themselves.

I have a truck that was financed thru drive and have been for over my 60 mth contract. when I hit that last payment they told me I STILL OWED! another 3200.oo ... what is going on with this company? WELL NEED TO START A CLASS ACT SUIT AGAINST THIS COMPANY TODAY. WE CAN WIN THIS ...

contact me if you are interested in doing so ...Cheryl Wilson

yeah they got me too baught a car for 7k wound up financing for 18k , signed up for direct deposit the papework never went thru and they said that was my first late payment coponents were left out of the car, sent 1 more late payment and the car was reposessed, plates never turned in so my liscense was suspendedand has been for 2 yrs now until the plates are spoken for, ive paid for this car twice with the trouble they caused me; and oh yeah the attitudes of the cust svc people are terrible they dont know what theyre doin and the best part is they sold the account to a collection agency and are asking for 5k and sold the car for 5k

If theres a lawsuit please contact me jee01@rock.com

I purchased my car in Aug. 07 the salesman wanted to tell drive that my had all these features and it didnt. I was charged with with high fees. I told drive i want to cancel the deal and they say i couldn't. Now i am stuck with a high note and nobody will refinance.

i have to disagree with all you idiots about staying away from drive financial. they're all the same. simple interest is simple interest whether you get financed at dfs for 18% or joe blow financing at 18%. if you're going to stay away from 1, stay away from all of them. except you probably can't because your credit sucks so you have to get financing from a place that charges +18% interest. anyway, i have a spreadsheet i use to keep track of my payments to dfs that breaks down the principle and interest each month i pay and so far dfs has been correct. it's the same math when i was financed through my bank at 4.7%. and for you idiots that say, 'if i knew what i would be paying in interest yada yada yada, ' well, you did know. it shows on your contract that you sign. if you finance a $20, 000 car at 18% for 60 months you're going to pay around $30, 000 total. that $10, 000 broken down is going to be around $170 a month. however, as simple interest, it will be around $2-300 for the 1st month and not that much smaller for the last month. that's if you take all 60 months to pay your loan. jesus christ people, read those numbers in bold on your contract and learn some goddamn math. numbers and calculators don't lie even though you think dfs is. simple interest at a high percentage rate sucks. deal with it or fix your credit or refinance.

hello i need you all to stop calling my number for a mr jones my name is marcell i dont know him never have, this is a cell phone that they are calling for my place of buisness thsis my 4th complaint i will take matters further i have made 3 complaints this is the 4th the name that they are calling for is RUSSELL JONES . AGAIN I ASK NICELY STOP CALLING MY NEXT STEP IS TO CALL AND MAKE A COMPLAINT WITH AN ATTY. SO YOU ALL WILL KNOW HE DOESNT LIVE HERE IN LANCASTER WITH ME AND I DONT KNOW HIM .ALSO EVERY TIME I WRITE YOU ALL I DO MAKE COPIES OF THESE LETTERS SO YOU CANT SAY THEY WERENT EMAILED TO YOU I WAS TOLD I COULDNT SPEAK TO NOONE WHEN I WENT TO THE CORPORATE OFFICE DO TO I DONT WORK THERE AND DONT HAVE A BADGE SO I HAVE MADE SEVERAL ATTEMPTS AND THIS IS MY LAST .THE OFFICE I WENT TO WAS OF STEMMONS FREEWAY .

THANKS HOPE YOU CAN RESOLVE THIS PROBLEM SO NO FURTHER ACTIONS WILL BE TAKEN I'M 65 AND TO OLD FOR THE HARRASTMENTS!

MRS. MEEKEE MARCELL

I decided to look into getting a car loan to help with rebuilding credit, and the dealership that I went to picked Drive Financial. I had never heard of the company before, and not knowing any better, ended up with a jeep liberty with a monthly payment of $554. That part didn't really bother me, because I was just happy that they had taken a chance on me, and I knew of course that because of my blemished credit, I would be liable for a higher interest rate. In looking at my statement however, I noticed that 8 payments down the road where I had paid $4, 440 to drive, only $711 had actually been applied to my principal and a huge $3729 had gone to interest. This is insane! Now there's no way that I would have agreed to that contract if I had that information up front. I feel used by the Shoreline Suzuki dealership, aparently the higher your interest the more money they also make. And I really believe that what Drive is doing should be illegal.

You know what is so funny? is why would someone who does not have a problem with Drive even be on this site defending them, unless they were actual employees of Drive. There are more people who have a problem with them than people who do not. Even though there are some people on here who could be telling a poor me story, I am sure there are many more people on here who are really getting taking for a loop. I am one of the people on here who feels like I am being taken for a loop, but I am actually doing something about it. I am not sueing anyone at this moment, but if any of you would like to know what I am doing please feel free to contact me via email. My plan calls for everyone who is going to do this with me, that we all do it at the same time.. One person may not make a difference, but if we can get as many people as possible to do this then that will make the impact even more. So please email me.. We may even exchange phone numbers if you feel that what I have planned will work. P.S. this is very legal, I work in the field of law enforcement, and will not do anything to put my career at risk. Bigger_Roger@msn.com
Roger Holmes
Cleveland Ohio

I WAITED ON HOLD FOR 10 MINUTES THEN THEY SAID DO U HAVE HER EXTENION. I SAID NO AND THEY HUGN UP. ARE YOU KIDDING ME. I HATE THEM. THEY ARE SO RUYDE. I WAS READING UR COMPLAINTS WHILE I WAS CALLING AND IM LIKE WOW THEY SOUND BAD THEN THAT HAPPENS. OMG I HATE DIRVE FINANCIAL.

DRIVE FINANCIAL SHOULD INFORM PEOPLE THAT THEY ARE ONLY MAKING INTEREST PAYMENTSWHEN THEY ARE BEHIND. I MADE A BIG LUMP SUM PAYMENT AND FOUND OUT IT WAS ONLY GOING ON INTEREST. I THOUGHT I WAS AHEAD BUT STILL BEHIND. I AM ON MEDICAL LEAVE FROM MY JOB AND WAS AND STILL IS HAVING A HARD TIME CATCHING UP. ALTHOUGH THEY SAY THEY ARE NOT DOING DEFERMENTS FOR NO ONE WITH NO EXPLATION WHY. THAT WOULD CATCH ME UP WHERE I THOUGHT I WAS. ALTHOUGH THEY WERE THE ONLY ONE TO GIVE ME CREDIT THEY SHOULDN'T TAKE ADVANTAGE OF PEOPLE WHEN THEY RUN INTO BAD LUCK. THEN THEY CALL MY HOUSE WITH A SMART ATTUIDE THAT IS UNACCSPTABE AND UNPROFFESIONAL THERE IS NO CAUSE FOR THAT WHATSOEVER.

I have worked for 3 companies that do what drive does. These three companies would not touch any of these loans because of the credit issues 90% of the drive customershave. Before you complain to much consider this! There was no one in line to finance your car nor was a drive representative present to exsplain your note. You really have to remember this is a business and every complaint listed clearly states I could not pay my car and I can also assure you 99% of these complaints when a unit was secured was at least 70 days past due. Question: What happens when you pay your electricity bill 70 days past due.. Click Lights out!
Same with rent... Time to move... Here is the real problem we call you to find out why the bills is not being paid and no one wants to call back and intelligently talk to us. Believe it or not I would love not to have to call every day.. Try returning a call believe it or not it works. Put the shoe on the other foot I owed you $15, 000 would you except to get paid?
Loyal Employee

If you need to be educated on a simple interest loans or deferments and late charges... Research before you be a car!

Well, Loyal Employee of DFS, tell me this. Why won't your company change my payments to the end of the month, after I have asked a countless number of times. To your next comment, yes, my payments are made on time, it would just make it easier on me, that is all. All they say is we need validate who you are ect. and don't do crap after that. Your company is full of liars and really rude people. I have only met one nice person in your whole company. I usually just get hung up on when I am contacting your company for information regarding my loan. It is getting ridiculous.

How can we get help from this company. They are ferocious and very hard to work with. We plan to meet them in court and see how this can be addressed. Keep us in you prayers.

Look everyone I know your problems have been years ago but there is a solution. If everyone no matter how old your case is if you will go to www.occc.state.tx.us and click on Contact Us they have a complaint form for you to fill out. Now if you follow their directions they will investigate Drive Financial, which is what I am about to do. These people regulate the finance companies and if they do not answer you or do reply to OCCC they will be facing fines and could possible be shut down. Drive Financial had to go through them to get their license to do consumer financing. I hope this will help everyone too.

I just bought a car from Rodeo Ford and they have me going through Drive and now I am scared to death. I haven't received my paperwork, which I thought was weird and they are hounding me to get this vehicle on my current insurance. I don't know what to think. The dealership has given me an address POBox for them in Dallas, TX. But is it real... I hope I am not going to be taken like some of you. I can't afford to have this horror story happen to me. I will pay the payment on time and I'll suffer the $10. I feel so confused and used by all this. I usually go through my credit union for car buying...I don't understand why all this is so secretive by the dealership!

Hi Everyone, I just got my 04 GMC Envoy thru CarMax on Sept 18, 08 they got me financed thru Drive Financial, ( high interest rates like every one else) and not I'm reading this site of complaints! Wow! My credit is not so good. Reading these comments/complaints helps a lot. I will send my payments return reciept so they don't say they did not get it, and just pray to never be late. Things happen in life. My credit union turned me down due to the past credit problems and we need a car to get around so what the heck! Pray for a blessing everyone so we can pay cash.

I agree with all the cpmplaints against Drive & wish someone would initiate a class action lawsuit. I would sign up in a heartbeat! They harrass my friends & tell them I am being arrested for grand Theft Auto & call me to tell me my vehicle has been reported stolen. It's plain & simple harrassment & not in any way proffesional or legal! If you read the reports on [redacted].com you will see more of the same unhappy customers of Drive Financial.

We bought a used car from Courtsey Pontiac of Lexington, Ky. They financed it with Drive Finanical of Dallas, Texas. I gave them our incomes and proof of it. Five or six times they requested more or the same things again. Then they wanted the payment overnighted which we did. They called wanting to take it out of our acct. even though we wouldn't have another payment at that time. To say they cancelled the contract. With 500 miles taking information they wanted 310.00 payment and 1000. down payment we are returning car today and thankin the Good Lord not to be involved with Drive or Courtsey. Both would be old fashioned flim flam artists. I'm thankful we found out about them and all the complaints. They should clean up their business practices and be honest or truth in lending

I have also been through a lot with Drive Financial. I purchased my vehicle a year ago and have paid virtually nothing towards principle after 12 payments. Recently when the economy got really bad, I had to have surgery and was off work for 8 weeks. During this time I only got disability pay and it was 1/3 my normal salary. I called Drive Financial without being even 1 day late and asked for a deferrment. They told me they didn't do deferrments. Now that I am behind, I receive a message stating that I qualify for a 2 month deferrment. I called them and said "I thought you didn't do these", and the girl said "yes, we do and I need $310.00 to process it." I wasn't able to provide her information to process the payment at that moment so I said I would call back. An hour later I called back only to get a different representative who told me I needed to pay my full payment of nearly $600.00 and then we could see if if I qualified for deferrment. I said, "wait a minute, I have a voice mail recording that says I qualify already, and I spoke to another representative an hour ago that said I needed to pay $310.00." She said "No, you need to pay your full monthly payment and then we can see if you qualify." I was totally confused and asked why I have been told 1st that they don't do deferrments, 2nd that I qualify, 3rd that all I need to pay is $310.00 to receive it and now I need to make my full payment and apply. She said I couldn't be offered a deferrment when I wasn't behind because they are only offered to delinquent account holders. Maybe it's just me, but if I make the payment today, I will no longer be delinquent. So, won't it be awful convenient for them to deny me deferrment after I make payment. It sounds to me like there is no such thing as deferrment and they do this to get people to contact them and make payment. SCAM! BTW I'm not making full payment. If I could make full payment, I wouldn't have asked for help in the first place.

Drive Financial is a horrible company. Apparently they bought out the company I was financed with. I didnt know a thing about this company until then... I wish I would have never had to know either. They are EXTREMELY rude. I have asked for a simple name change (due to marriage and I now have a new name) for the last 6 months. The first 2 times I called they told me no problem and they would change it. I even offered to fax my information to them and they at that point told me no.. they would handle it. Yeah right! Here we are 6 months later and still no name change and now they are asking for faxes of my information. Im done with it.
Oh and when you call to talk to a certain person that you have been dealing with, they refuse to let you talk to them.
If I am a day past due on my payment they harrass me (yes harrass me) at work. They call here asking for me (by my old name) and when my co-workers put them on hold to get me, Drive Financial immediately hangs up. Boy, we are professional arent we?! They do this off and on all day long. Which by the way, I have told them not to call me at work. IT IS ILLEAGAL IN THE STATE OF TEXAS TO CALL SOMEONE AT THEIR PLACE OF BUSINESS WHEN THEY ARE TOLD NOT TO. Oh and guess what? I work for a company that records their phone lines 24/7 and its all recorded!

I hate this company! We got a 2006 pt cruiser in January of 2007. If our payment is one day late they call. If I tell them when I mailed it they still call. And not just once a day, but five times a day. Then they call the people I used as references. We are now 3 payments behind and waiting for it to be repoed. I looked at our paper work yesterday and I thought we were paying 13, 000 then I see that we are charged another 10, 000 for lender fees. No one told us that when we bought the car. This company needs to be put out of business!

Good lord,
All these posts are a handful. Primarily I'd like to say these are hard times. When you are financed sub-prime which is for debtors with poor credit or no credit, you can not avoid the higher interest rates or higher down payments. The best thing to do in order to increase your credit rating is to bring the payment from "Upside Down". Meaning make extra payments until the finance fee are covered. Often the car is worth $5000 and you are paying $10, 000 for it. This is due to interest. As soon as you are near even in LTV(Loan To Value) refinance if you want to keep the car. You will have much better credit and be able to get an A Paper loan with a much lower percentage rate. Never trade your car in if you owe more than it's worth. The dealership will add it to your loan. If you are buying a $10, 000 car and still owe $10, 000 on your trade. You will owe $20, 000 plus interest on your new $10, 000 car. So, in order to stay away from Sub-Prime or Bad Credit lenders: Increase your rating before buying a car or pay more in monthly payments to even out your LTV. And watch out for shady salesmen and finance managers, they will rape you out of every penny if you let them.

Best of Luck,
The Last Honest Salesman

There is hope. I am a pre-law student and my husband is a victim of the "yo-yo" or attempted "spot delivery" scam. My beef is more so with Car-Max as opposed to Drive Financial; however, I am sure that Car Max's practices are a direct reflection of Drive Financial's practices. I have only had my car for 14 days and I received that dreadful phone call today. I need to pay 100-400 dollars more or I need to return the car. Its not the money that I have the problem with; it is the principle. I should have known something was wrong after noticing that the retail installment contract includes a class action law suit waiver. As a pre-law student, I love to research; so you may find some of the things that I found to be quite interesting.

Please click the following link for more detailed information:
http://www.avvo.com/legal-answers/oh-state-contract-law--buyer-signed-contract-to-bu-9794.html

Please click the following the link and scroll down to the map and click on your state to find contact information.
http://www.naag.org/

I purchased a car and Drive financial financed it. I am not going to lie, they need to do better on the "customer Service". I agree with Bryan and Eric. As long as you pay your carnote on time, you will not have any problems.They do charge about $8.77 each day you are late and the more days you are late, the less goes towards your principal. They did put two of my payments at the end for me when I got behind.I guess I got a good rep.I have had some terrible reps who didn't know anything!I am happy they did give me a second chance when no else would not.I am trying to build my credit up so next time I will get a better company.My credit score have went from 420 to 550 since I have gotten the car in July 2007.

Drive Financial is one of the worst companies I've ever dealt with. I was 16 days past due ... not 160 and they were ringing my phone off the hook. I asked them on THREE seperate instances TO STOP CALLING MY JOB! They kept calling. The little no talking fool who called me today at work? Was just pathetic. Apparently they hire individuals with no talent or professionalism. The Customer Service is a joke! I don't care if we are in a recession and these companies have the upper hand! You listen to the requests of your customers and you talk to them like you have some sense and had some type of training. All of which I'm guessing is missing.

We also had a very bad experience with Drive, for the first six months are payments were being credited to the vehicle we traded in not the one we purchased, and every month we were charged late fees because of there mistake.We were also charged late fees for paymenets they let sit on a desk and inputed into the system one day late just about every month.We also recieved collection from Drive on Sundays wich in Texas is illegal.It got so bad that we actually filed Bankruptcy and now our Bankruptcy is complete they have paid in full and it has been over a year and we are still getting the run around as to when we will recieve the title for our vehicle.In a phone conversation with Drive today 02-09-09 we were told we still have an outstanding balance of almost $6000.00.This company is a complete fraud and it takes advantage of people with less than perfect credit and the sales people who deal with them should also be held responsible, if you are offered Drive as a lender when purchasing a vehicle you should pass no matter how bad you need it.

I agree Drive is a total and complete ripoff. BUT ... they are probably the only company that would give you or I a second look. The interest rates are horrible, customer service is horrible ... the company is horrible. We all know this. Whenever doing something that requires changes on THEIR end you need to BABYSIT them every step of the way to make sure they don't screw it up and charge you for their mistakes. To date (13 months into 6 years of $600 a month payments) I have never been late and have never had a problem. I use their online system to ask questions, and I setup a recurring ACH payment so the money is automatically deducted from my account. Never had a problem. What you need to try to do to the best of your ability is NEVER RUN THE FULL TERM OF A LOAN WITH DRIVE. REFINANCE OR TRADE IN ON SOMETHING ELSE THAT YOU CAN GET FINANCED FOR THROUGH ANOTHER BANK. If you are a responsible person and pay all of your bills on time you will be able to do this. I lost my job in '06 and my perfect credit went to ###. Since then i pay on collection accounts every month, make all my credit payments on time every time. You do this you'll be able to refinance within a few years, get away from drive and stay away. If you are a habitual late payer and can't properly manage your money expect Drive to take you for every extra penny you have. They will bend you over until the end of time and you will never be rid of them.

Hello all,
I would to tell everyone out there that Drive financial is suck.
I bought my SUV in Lake Whales FL in 2007 at Houston Motor after I fall behind my payment they started call me 5-7 times a day. In March 2009 I made two payments, the same day the second payment went throught I received 7 calls from different person there after I made a payment arrangement to pay on April 10, 2009 telling me that they are going to repos my car, I told them that that's fine and they told me they will wait for me.
Drive Financial is not a good company-
I would like to be a part of the law suit anyone want to file

I had a 05 chevy Z71 financed through drive had it for a year at 620.00 a month that wasnt a problem till march of last year i had a A.T.V acciedent couldn"t work for two months Near Death should I say.they recieved a hospital report.To make a long an painfull story short.The supervisors and employees at drive are lower than a snakes belly. and all they wanted was 620.00 my mom cant afford that .i go back to work an Nov. of this year got laid off called them come get it they sold it for 8 grand an stuck me with way over 27 grand thats wrong an money hungry .So screw drive financial

In August of 2007, Regions bank lost a very large direct deposit. This caused my checking account to be overdrawn. At that time our Drive payments were ACH'd. Due to the problems with our checking account, the payment was insufficient. The error at the bank was corrected and several days later Drive pulled the funds for that August payment. Needless to say, we have received phone calls everyday for almost 2 years. Even with proof (copies of statements and a letter from my bank president), Drive still claims not to have received the payment. We believe the payment was posted to another account, which does happen quite often with this company. Now...here is the kicker. We changed banks and started making payments with the new account. Drive took it upon theirselves to automatically draft an extra payment from my new account. WITHOUT AUTHORIZATION! Ok...this should give them the payment that they claim is still behind, NO, they still call for that one too. When we sent proof again of the unauthorized payment being takien from our credit union account, we were told that we were crazy and that my bank probably made that up for us. HUH? So, needless to say we are now sueing Drive Financial for fraud and theft by deception. My credit union is also investigating them. The investigator was appalled at the business ethics of this company and is making a formal complaint on our behalf to the attorney general's office. Hopefully they will listen to him, considering that my credit union is a federal government entity. Also, Drive might be a finance company for at risk people, but we had good credit! The salesman that sold us our truck, later told us that his sales manager told him to put us with Drive because at that time, the dealership was making a $2500.00 kickback on anyone that they financed through Drive Financial. We have tried to refinance, but Drive holds it up. We have offered to pay the truck off, but each pay-off quote is extremely different. We have yet to speak to somenone that can speak fluent English and be courteous. Instead we are told that they will come get our truck and there is nothing we will say about it. I hope they do try... I live on 40 acres of land and my house is way in the back. It's a long driveway for a repo truck to try and sneak down, if they get through the gate. Once they are on my PRIVATE property, I have the right to defend my property and the law cannot intervene. It is a civil matter! Repossesson tactics are illegal, and it is considered theft, yet hard to prove. I know because my husband and I used to repo for Drive and many others.

I purchased my car in 7/06 financed for 11815 as of today my balance is 10387. How is it that I have paid appox, 8500 and only 1500 went to balance.Yes, I have been late on my loan but even being late all my money should not be going to the interest. I called someone not a supervisor and they could say was you have a high interest and you have been late but if you pay ahead you will be good. Damn i have paid 8000 i should be good now. I can't refinance and to sell I cant take my name off the contract but add buyer. They are some slick scramers. I need help called several lawyers and no help .

I work with drive and i have heard all these complaints time and time again. What most drive customers dont understand is how this works. I have read the complaints on this site and i will try to clear the dust a little here.

As for as phone calls go, once your account is past due one day or thirty days it is past due you will recieve calls customers often ask is there a grace period there is none. They ask why are we calling if its only five days past due, when we call its to benifit you look at it this way we can let you make your payments late and most of the funds if not all go to your interest which means your principle would not be covered and you will be forever paying of your loan which would mean more money for us or we can call you so you can make your payments on time and you would have your vehicle. As far as how many times we can call a day well lets put it this way FDPCA states we can only TALK to a customer once in a day.

When we ask why the payment is past due a lot of customers get an attitude and say its none of our bussiness. The best way i can explain this is to ask you to put your self in our shoes. Lets say you loaned a friend 150.00 and they told you that they would give you it back in 3 days and those 3 days has past you went to your friend and ask for your money and they said they didnt have it wouldnt the first question you ask be why.

I admit that some reps here are rude but not all and we do also have to deal with alot a rude customers. We do get hung up on, cuss out and told some of the worst things ever and we have no choice but to say nothing, some of the customers do have reason to be upset but chance are when we call you or you call us it would be the first time you have spoken to that rep and have a hot head and cussing is not going to solve anything, we will try to calm you down and try to come to a solution on the account but if you continue we will disconnect the call. I do apologize to all of those customers who has had bad customer service.

Now the topic of repo. This goes out to the lady who said her account was current and she woke up and her car was gone and she heard nothing from drive, thats because that wasnt us honey you should have called the cops. We will do every thing we can so you can keep your car but if your account goes into a very delinquent status up to you to let it get there.

As to the person who wanted to know if we pay people in the goverment that no one can do somthing about drive, here's the plain truth there is nothing to do we are not doing anything illegal.

Some tips to avoid trouble is simple make your payments on time, try in a professional manner to resolve your account if you get a rep that not willing to listen hung up and call back you WILL get some one else

A proud drive employee

I am presently awaiting my first bill from Drive Financial. If these comments are true, and it appear that most negative complaints if not all, stem from late payments, so i hope for the best. If by chance, i am misstreated. I will as is my habit, contact all congressional representative in both houses of congress. I have found, these type actions work best.

The best way i think to avoid the high interest payments are to pay extra each month, if at all possible.

I think most of us are lucky with our screwedup credit we didn't end up with a loneshock kneecap busting, baseball welding finance company.

But, i am glad drive is financing my car, because nobody else would. Even though medical bills caused my bad credit.

THIS IS A CROOKED COMPANY! I have never purchased a vehicle from this company, yet found a $13, 000 charge from them on my credit report. The credit report says I purchased a vehicle in Januay 2009, then it was reposssessed in March of 2009. Balance due is $12, 789. I'VE NEVER DONE ANY BUSINESS WITH THIS COMPANY AND HAVE NEVER PURCHASED A VECHICLE FROM THEM! AND OBVIOUSLY NEVER WILL! I have tried calling and writing this company to find out further information about this supposed purchase and no one answers, no response and I just get never-ending voicemail jail. Can anyone help me with this ?

Get copies of all 3 of your credit reports (transunion, experian, equifax.)

The ones that have this item listed on them, open a "dispute" to have it removed from your credit report.

They will contact the company and attempt to determine why its listed on your report incorrectly.

If they find it is, they will remove it. If not, at least you will get the reason exactly why it is on there (husband, boyfriend used you as cosigner for loan etc)

my husband and got a car financed through Drive and in 07. we have made all our payments except one becuase they didnt send out statments. we were told that we were 2 mths behind. we knew that wasnt true, but we paid the $1100 to catch it up. we called back today only to find out that we still owe $1000 and when i asked how, they were very rude and told me that i still owed for the Jan payment. they took half the 1100 and put it on "one payment" which was made in march and the other toward intrest. so the Jan payment is still occuring late fees because they didnt put it on that month. this is so unfair. i hate this company, and wish someone could help us. i just want them to come and get the car. although we dont get phone calls, we would like a statement!

drive financial is horrible! I am praying for a miracle so that I can pay an extra 1000 dollars towards my car every year just to be rid of them. my credit wasn't horrible. my credit score was 640 when i was looking for a car. the dealership was shady and NO other finance company would do buisness with them! May i add that this dealership has now folded and is no longer in business:) Now i'm praying that if drive fiancial keeps up their nonsense eventually we will all breathe a sigh of relief. i have been treated badly, had my car repoed by bad tow company, it is horrible. I didn't ask to lose my hours at work and my husband lost his job. anyway, i am intersed in a class action lawsuit anytime.

terri davis-sc

I am with Triad and I was thinking of re-financing, but Triad said I would have to go thru Drive for re-financing and after reading these horror stories, I said H to the N-O!Forget that, I will just keep what I got.