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I am financing a car through a firm in Toronto. Every month…

Customer Question
I am financing a...

I am financing a car through a firm in Toronto. Every month the balance increases by almost $100. on top of the monthly payments. This company will not respond to my asking about it. How do I settle this?

Lawyer's Assistant: Have you talked to an Ontario lawyer about this?

No.

Lawyer's Assistant: What steps have you taken so far?

None really. Not getting proper amounts for payout and balance as well.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

You almost have to see the paperwork to fully understand what I am trying to accomplish.

Submitted: 4 months ago.Category: Canada Law
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Answered in 1 minute by:
4/3/2018
Lawyer: Debra, Lawyer replied 4 months ago
Debra
Debra, Lawyer
Category: Canada Law
Satisfied Customers: 105,984
Experience: Lawyer
Verified

Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.

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Lawyer: Debra, Lawyer replied 4 months ago

I am sorry to hear this.

That doesn't make any sense.

When you say they will not respond what do you mean?

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Customer reply replied 4 months ago
I have questioned the paperwork they sent me several times over 6 months and can not get a satisfied answer. Friends I have talked to tell me I have a good complaint. I just want to know who I can talk to, so they can get a resolution, and if there is a possible chance of charges being laid.
Lawyer: Debra, Lawyer replied 4 months ago

What type of firm financed this?

And are they taking money out of your account each month?

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Customer reply replied 4 months ago
Not at this time. I just have an auto repair bill, ($2,000.) and am reluctant to spend any more as yet. I understand it may come to that. Just not today.
Lawyer: Debra, Lawyer replied 4 months ago

OK so are they saying you are falling further behind in what you owe them each month?

Do you have any documentation you can show me?

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Customer reply replied 4 months ago
they are taking the monthly payments.
Lawyer: Debra, Lawyer replied 4 months ago

And each month they are taking $100 more than the month before?

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Customer reply replied 4 months ago
All payments are up to date
Lawyer: Debra, Lawyer replied 4 months ago

But are they taking $100 more each month?

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Customer reply replied 4 months ago
They are adding in an amount after they put in the payment
Customer reply replied 4 months ago
I am from "old school" so I do not use my phone for anything but text and calls.
Customer reply replied 4 months ago
What would it cost me to sit down and talk to you, and you can see my problem.
Customer reply replied 4 months ago
If you have any answers for me, please use my e-mail. ***@******.*** Thanks.
Lawyer: Debra, Lawyer replied 4 months ago

I cannot do that but if rather I can suggest how to find a lawyer for a face to face meeting in Toronto.

Otherwise, I can discuss this with you online but it's hard if I cannot see the documentation.

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Customer reply replied 4 months ago
Who do you suggest ?
Customer reply replied 4 months ago
One look at the paperwork and it is apparent it is not right.
Lawyer: Debra, Lawyer replied 4 months ago

Can not scan it for me from your home computer or at work?

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Customer reply replied 4 months ago
I can
Lawyer: Debra, Lawyer replied 4 months ago

So please do that and I will read the document and then I will know what is going on. A lawyer is going to charge a lot to meet you face to face to review this so if I can help I will.

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Customer reply replied 4 months ago
Hello Debra. I did scan but it is only to Apr. / 17, with my notes. If you add the principal and the interest it equals the payment. But if you subtract the payment from the previous balance, it is not what it should be.
How do I send this to you?
Customer reply replied 4 months ago
I have just asked for an up to date copy of my account. Should get that tomorrow. Neale.
Lawyer: Debra, Lawyer replied 4 months ago

You would attach the document to a reply with the paper clip icon.

But wait until you have everything and then do that at once.

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