![]() ![]() Our attorneys will aggressively defend you against Ally Financial and their teams of lawyers and force them to prove their case in court. These lawsuits happen quickly, often occurring after only 4 months of non-payment. Ally Financial has at least one contracted law firm in every state to handle filing a lawsuit against you on behalf of their Ally Financial credit products. If you find yourself falling behind on payments to Ally Financial, you'll quickly find out they are an aggressive creditor to deal with.Īlly Financial has substantially increased the amount of lawsuits they file to collect delinquent debt. Ally Financial doesn't just do vehicle loans though, as they now market themselves as a bank, and issue both home loans and credit cards. Servicing over 18,000 dealerships, chances are you've had an auto loan application run through Ally Financial when shopping for a new car. The funny thing is my car loan is up at the same time the BK is finished.Ally Financial, formerly known as GMAC, is the largest auto loan finance lender in the U.S. ![]() I still owe about $100 in late fees I plan to pay $50 in Nov and $50 in December I am just paying on time to avoid more late fees. What a mess! Any comments on this scenario. By the way on the disclaimer it says the amounts may not be accurate I could owe more. I went ahead and paid the outstanding balance and then the late fees stopped and I am paying by the due date, not the grace period which apparently went away recently. I still don't know why there was an outstanding balance (unless it was the calendar month where there was no payment, followed by the next calendar month with a double payment). The extra went into the principal, I think, but I got a late fee since I still had an outstanding past balance. I couldn't pay it all off so I paid a little bit only to find I still got a late fee even though I paid my amount due plus extra. I also had a balance to pay that I didn't understand since I went through and made all payments though there was one month I paid in the "grace period" which looked like I had no payment one month and then a double payment the next-one at the very beginning and one at the very end of the month. The dates are all listed when I paid and there were NO late fees until about 3 months before I discovered it. Online I can see all my payments made and since early 2017 when I bought the car almost every payment was in the grace period. The man sounded like he was in a different country than the US and reading from a script which he did not veer from so I didn't even try to debate "there never was a grace period." Then I saw a balance to pay which was more than I thought and figured it was the lag from paying during the grace period? Well the amount was growing I called Ally and was told there is and never was a grace period. I had been paying online several months I get paper statements, but don't read them closely. Fine I can pay online and not have any fee. I have to read and sign off each time I log on. When I log on there is a BK disclaimer telling me I am in active BK and I am voluntarily allowed to make payments, but they can revoke this online access at any time. I do not trust the mail being timely and have gotten burned in the past so I was fine with the small fee.Īll of a sudden the online access came back and I started to get statements again. I paid through a third party that accepted my debit card payment electronically for a small fee. When BK started we received no statements from Ally and online access was stopped. I would pay by the end of the grace period. Before BK I called and found out how long it was etc. The loan started in 2017, our BK started in March/April 2018. The Ally Auto loan is for our one and only working vehicle.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |