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Hello I am very confused with the information my car company

Resolved Question:

Hello I am very confused with the information my car company is giving me. My original loan term is 75 payments, I deferred 2 car payments or the 6 year loan. They are now saying that I owe 77 payments instead of 75 payments. Now to me they have added an additional 2 payments instead of deferring 2 payments. By the way they keep telling me this is a simple interest loan, whatever that means. I understand interest fees but too ass an additional 2 payments I don't think so is this legal and what should I do too fix this problem? Who can I talk too? Thank you
Submitted: 1 year ago.
Category: Consumer Protection Law
Expert:  Infolawyer replied 1 year ago.
Hello, are the additional payment instead of interest or in addition to it? have you spoken to management or gotten a breakdown to confirm if charges match to your contract?
Customer: replied 1 year ago.


I have requested that they send me my payment history, all I know is that they are saying I owe 77 payments my original contract was for 75 payments. They are saying that they tacked the deferred payments onto the end of my loan. Now if I am doing this correctly in my head they added two payments to my loan, they did not defer.


 

Expert:  Infolawyer replied 1 year ago.
From what you have mentioned, they are not properly accounting and charging you. You need to get the payment history, a copy of their statement and your contract and then go line by line. Typically, such added payments are improper and the creditor may only tack on interest as contracted. If company wont cooperate you may involve the BBB and may involve local counsel. would you like a directory for that purpose and is the answer acceptable?
Customer: replied 1 year ago.


Yes this answer is acceptable and yes I would like a directory please. Thank you for your help


 

Expert:  Infolawyer replied 1 year ago.
Very welcome. Martindale.com and findlaw.com are excellent resources used by lawyers too. I wish you the best. Kindly click on an excellent rating for the answer.
Infolawyer, Lawyer
Satisfied Customers: 50792
Experience: Licensed attorney helping individuals and businesses.
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