Consumer complaint received 2018-06-26
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/15 I found a truck I really liked on the XXXX app. So I called the man who had it listed in XXXX XXXX Texas. It was a used car lot on Hwy XXXX. I asked my neighbor if he would take me there and he said sure. He was a retired mechanic so I wanted him to look and make sure it was a good truck. I scheduled an appointment and We drove XXXX miles one way XXXX round trip to go see it. At that time I was sorta in a hurry to buy and experience everything My heart desired due to the fact I was diagnosed with XXXX   XXXX. I didnt have a good running car to travel back and forth to the hospital. I was going at least 3 days a week for appointments and for XXXX I was hospitalized for 4 days during that 4 days I was hooked up 24hours a day to the worst most XXXX XXXX there was. I was totally isolated due to the poison level of it. I did that every third week for twelve treatments. I was on heavy medications for pain and sickness It was the harshest form of XXXX in existence and I was very sick and in a lot of pain and a bald woman so that was very depressing. We went and drove this truck and I fell in love with it. I asked all the questions about why this red light was on and why was it doing this and the salesman guaranteed me it was in top notch running condition. XXXX my friend didnt like the oil light coming on but he wanted me to get everything I wanted so in his mind he figured if it blew up hed fix it just so Id be happy. I went inside to see what it would cost and if I could even afford it. I live on a below poverty XXXX income. The guy was real nice but I knew when I asked why that red light was on he lifted the hood and went to check the oil with it running. Im a girl but I know you dont check the oil with it running. But I really loved that truck so I said look please be honest with me I have XXXX and I need a dependable vehicles to drive back and forth to the hospital in XXXX Texas which is XXXX miles one way from my home. I would die if I broke down in the heat or cold, I was very sick at that time. He was sorta concerned but everyone acts like they are some are and some really dont care, so I wasnt sure.. He agreed to run a credit check and I was approved with a {$4000.00} down payment. It was a high interest loan at 15.9 % interest because my credit score was very low. I prayed and asked the lord to open or close that door and I would accept his decision. I had no money so I asked if he would let me sell some things I owned and give me some time to do that. I asked if he would mark it sold. He said no he couldnt do that but he would not sell it. But I needed to get busy in case someone walked in with cash money. So we hurried home. I had borrowed my neighbors truck to drive there and it was getting late so I went on. I made a list of some valuable jewlrey I had and did some research to find the value so I could sell it for the {$4000.00}. I needed. I spent the next week going from place to place and sold almost enough to pay the down payment. I only needed {$800.00} more dollars. I took what I had to the man at the car lol. Gave it to him and he gave me a reciept and he said now you know this money in non refundable, dont you and my heart starting racing. I said I only lack {$800.00} please give me a chance to get the last {$800.00}. He said look you have till the end of the week to get the money he said I could have sold it for cash several times and turned it down. I had tears and told him Id be back in two days. Oh boy I was nervous. I was so scared he was up to something he was in such a hurry to get rid of that truck. XXXX my neighbor took me to he next day to a high interest loan place where he had a loan and I was approved for the {$800.00} I needed to complete the {$4000.00} down payment .so I called the car lot and I called and I called. No one answered the phone so come Friday I just had XXXX take me there.it was early But the sign said they were open the gate was closed And locked.It made me really nervous. The truck was In The same spot I parked it when I test drove it. So that was positive but I just had a weird sick feeling about it all of a sudden. I couldnt for the life of me understand why they were closed on a Friday when the sign said they opened at 8 am and it was 11 : am. So XXXX and I went and got a soda at the corner store and Just waited at the gate. XXXX was an old man and really wasnt up to waiting so I said you can go on back if youd like. I have my money I need to pay my down payment. Ill be fine to drive it  home. Well he didnt like that but her entually went on home and left me to wait. He wa swirlies because he knew I did t have any of my meds with me but I wAs instistant and excited and I couldnt wait to get behind the wheel of my new truck. Sometime after 12 pm he finally showed up. He didnt have the paper work together and he kept saying Ive neve done this this is XXXX job so if we do it wrong we may have to do it over but sign here here here .... ok no prob he gave me all the stuff we signed and was explaining why I had to pay {$800.00} for some thing like tobthem for getting me the loan. I was so excited And on so much medication I never really heard all of his reasoning. Anyway the price of the truck went from {$13000.00} to $ {$14000.00}. And he said XXXX will have to do the paperwork I did it wrong. He said but he is gone until next week. So we will have to wait. I thought I was gon na faint. In fact I excused myself and went down the hall to the rest room and threw up I was so disappointed it made me sick. Plus I had no way to get home. He heard me when I got back he said are you ok and I started crying. I couldnt help it I was so disappointed. He said look Im gon na let you take it you signed. This paperwork its not right but we can do it over next week when XXXX gets back. I dried up my tears and was happy and started throwing up against n but made it out side thankfully. There was several things I wanted to question on the papers I signed. He assured me we would XXXX come er it all when XXXX came back. So Im in the truck and Im nervous and exicited and I drive be out the front gate. Im going the back roads to get home because the traffic is way lighter. I get 3 miles from the dealership and the truck that totally dies. I am in panic mode where do I pull off, I cant pull off it wont start. Im in a country subdivision Im in someones front yard or Im blocking their drive way. I was suppose hi I my all these things and called my the dealer to tell him Im broke down and no answer. Oh me what am I going to do what is wrong with my new truck?? Finally he called me back I told him where I wa sand what happened .he said Im sending a man to tow you back here. So he did. A man who really scared me pulled me with a food back to the car lot. He was sorta XXXX and was towing me way way too fast. We made it back to the dealer and the sales man was uploading at him slow down and he hits the back of one of the trucks for sale. I am in tears. I knew it wasnt good. He tells me leave the truck Ill have to get a mechanic here to work on it. He says this man ( the XXXX man ) is going to take you home. OMG I was a nervous wreck.I had been a victim of bad things and I was scared out of my mind to go but I knew I had to..it was Late it had been a very long disappointing day .i hadnt had a bite to eat or drink and I was We made it to my house fine and he left. I was so upset .i went in and went to bed. I cried my self to sleep. I had already put insurance on it so I knew if someone stole it it would be covered. I called everyday asking what was up.all I got was he had some one coming to see if he could fix it. Some days he would t answer my calls and Id drive there to check in it. I was paying the payment and the insurance on it and I didnt even drive it 3 miles. Months went by and it was always one excuse after another. I drove there every weekend to see if anything had een done to it. It was always in the exact same spot never movEd one inch. Finally after him having it 4 months he calls me and says Guess What your truck is like a new truck come and pick it up. Oh boy I was so happy. After months of major XXXX. I was so down on myself for not calling the authorities, but I am not atrouble maker. I dont like it.and he convencied me it was all good. I believed every word he said. I mean every word.I looked sick web. He saw me he was shocked how bad I look what the XXXX and worry had done to me. He hands me the key and says go home and get some rest the truck is like new. So I get in it and I start toward home. I get 4 miles down the highway XXXX going toward XXXX to show a friend my new ride and I in heavy traffic but it moving good, I going oh XXXX mob and I hear this load bang and suddenly the truck dies the window dogs up and it smells like antifreeze and it hissing, there is no exit for me to get off the highway so I look back to make sure there is itjing coming on the access road and. Her I go across the median with no power steering no brakes nothing the truck is DEAD. OMG I am frantic. A state worker pulls over and Im crying and hes like are you ok can I drive you somewhere ... no Im fine I just bought this and I started telling him what has transpired he is in shock for me. He goes back to work. Here it is 5:00 traffic I calling the sales man Im on the side of the highway outside of XXXX and hes not answering the phone so Im telling him where I am What has happened. He calls me back in 20 mins. He says Im sending the same guy to tow you. Im sick Im weak I am mad I am hurt Ive been taken to the cleaners. The man gets there he is not happy he is very rude and hateful. He hooks up the truck I have no power no brakes nothing he starts out pulling me 70 mph I am livid. I call the car lot I dont have this mans number but he is gon na kill me. So then the tow strap breaks. I couldnt see any of his brake lights he tied me too close I dont know what to do so I lay on my breaks and they arent real good but it takes me to a slow stop. He turns around and comes back and is cursing me. He had a speech problem so I could t understand one word he was screaming beside that I was it going to put up with his nasty mouth. I said you need to calm down first then you need to time me where I can see when you are slowing down I cant see your brake lights., and I said Im it going again if you dont slow it down. I had grown up all over the inside of my truck and I was so thirsty I told him I got sick and I must stop and get some water. So we did. We arrived back it was dark, 9:00 at night and pouring down rain. He never did anything but get out in hook the strap from his truck and he drove off. He left me in the Parking lot at 12am alone at the car lot in the freezing rain with nothing but wet clothes in a totally dead truck no heat nothing. So I start calling the sales man he never answered. A friend came all the way from XXXX to help me. She took me to get dry clothes at XXXX and she stayed with me because I refused to leave my truck without knowing what was going to be done. The next day the salesman came in late like after 12. I was not happy. I was furious.he fed me full of a bunch of bologna. Made every excuse in the book he could. And he sent me home. He sold the tell me what or when someone hung would be done he refused to give me a loaner said it was against his insurance policy he wasnt going to do anything. My spirits were lower than low I knew XXXX fed off of stress and I began to get very sick. More than ever. I called weekly and drove to my truck at least 1 time a week checking in it. Nothing at all had been done it hadnt been moved nothing .so I started threatening lawsuit. And the paperwork suddenly came to mind. He never ever brought up the paperwork he promised it would be revised and it never was. At this point I was hospitalized more and more and was very heavily medicated. There was a time or two I reached out to the fianance company to share with them what was being done to me.i was making payments And insuring a truck I had never made it home it. They didnt care one bit all they cared was that that payment was made and in time. They didnt care that i was heated in the price or that the truck had been at the dealer for nearly a year they didnt have any compassion at all for me, for my lifes situation, my health problems, nothing. Just that payment that was all. After a year went by I received a call that my truck was towed to a place in XXXX Texas to get a rebuilt motor put in it. I was for the past year under the infuluene of a lot of meds. I was at that point going to XXXX care, that is what I call the dead dr . They send you there preparing you for death. Things were not at all good I was on Morphine and that is usually the end. This man never addressed the paper work I was made to sign. I was paying a whole lot more than I should have. I contacted the loan company and they said the car lot submitted it to us we wrote them a check so you must pay or we will repo it. I was not in any mental state to make any decisions as to what to do or exactly how much I was being cheated out of. I am at the end of my note now. I know the truck cost {$13000.00}. I gave $ XXXX.cash down. So that takes the amount to be Fiananced down to {$9200.00}. Well they charged me {$800.00} for getting me the fianancing. The are charging me for gap insurance and I have a signed waver. All the ttl stuff. Then they take my {$4000.00}. Cash down payment and instead of subtracting it from the sale price they add it. So instead of me paying back {$9200.00}. Tax title and liscense Plus interest they have me paying back {$18000.00}. I have sent the Fianance company XXXX XXXX all burden of proof and they do not care. Either I pay if they come get it. My truck is paid for and I still am being forced to make payments I do not owe. They say they sent us the contract we sent the money we dont care what the contract says or If my down payment was add d or subtracted. They will repo the truck if I default. I have over paid them by my figures nearly {$5000.00}. They say my balance is still {$2800.00}. I do not owe that I dont owe anything on it it is clear to me now that Im not on morphene and major pain meds I am being cheated. They owe me money. I am by the grace of XXXX still alive. I still have terminal XXXX. I have fought to stay alive. Will someone please help me stop this and make these thieves stop taking away my disability income? They are taking advantage of me.. I live on a 500 % below poverty income. I have been a woman if my word and fullfilled the deal I made on the truck. The dealer has not. He lied about the fianancing he promised he was buying me 6 new tires just like the ones that were in it when I bought it but gone swapped out for junk tires during the first year they had it. He promised he would buy me a brand new set of mud grapplers identical to the ones it had that they stood off it. And he promised me side steps for it and a wench in a cradle. I e not received one of them hem. Im sure it was to cover up the fact he never brought up the contract he did wrong. And left wrong during all the problems. It was a great cover up for him to continue on with what ever price he wanted to get me for. I was facing death I was on XXXX on major rx drugs. the motor blew 2 times he kept it a year and they stripped it while they had it of the good tires the steps and never put the winch with cradle he promised me he would put on it. Then he took me for over {$7000.00} by a fraudulent contract. His excuse he didnt normally do paperwork wed redomit. He added the down payment to the selling price of the truck plus added fees and insurance I never agreed to. This type of fraudulent activities need to be stopped .i am reaching out for help .i am a honest woman and I have been scammed. I am reaching out for help. I am still being cheated out of my very small income. And there is no telling no many others they have cheated like they have and still are me. I have never been in trouble in my life. I worked hard all my life and XXXX stole it all away. I have nothing but reminders of what has been taken from me. Ive never sued anyone I have never taken or stollen from anyone.I should not be made to allow this to happen to me. I am at the end of my trail and Id like to recover my money. I need it for Dr bills, medication and because its all I have left. Thank You!

Company response to consumer: Closed with explanation