Consumer complaint received 01-05-2017 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (KY).
Issue: Problems when you are unable to pay

Complaint: I, XXXX XXXX, had bought a White/Blue XXXX from XXXX XXXX in XXXX, XXXX on XXXX/XXXX/XXXX and financed it thru United Auto Credit for {$11000.00} which includes the original loan amount, finance charges, and other applicable fees. Fast forward about 6 months to the start of this issue. I had another vehicle that I drove to work and in XXXX XXXX or around the time I had a wreck in the other vehicle and had to have XXXX on my right thumb. I worked in a XXXX at the time and was unable to work due to the XXXX. I was taken out of work and I was able to draw short term XXXX. This issue got out of had because there was a major communication issue between my employerand the hospital I was being treated at. Now, everytime I went to the Dr . I had to submit paperwork from my employer to my Dr . The break in communication was that the XXXX Dept.at the hospital I was being treated at was responsible for making sure the paperwork got filled out and submitting it to my employer so I could get paid. Fast forward, I ended having to constantly call my employer and my Dr. to see why I was n't being paid. I fell behind on my truck payment because of this issue. I called United Auto Credit on a regular basis and kept them in the loop and they were always very patient. That brings me to this complaint, I called on a Tuesday in XXXX and explained that I was getting paid finally on that Thursday. I spoke with XXXX, he did n't give me a last name or employee number, but, he said he set up a payment arrangement for the past due amount of {$1200.00}. I do n't remember the exact amount, but, the P.A. was set for that Thursday. Well, the sent a repo man to my house on the very next day to repo the vehicle after we had made a payment arrangement and the repo man brought a friend with him to drive the truck and they said I really like this truck and I might drive it around for a while before we take it to the lot. I called United Auto Credit and asked them why they did that and never got a response. They sent me to the recovery depth and they said you make your payment and you can get the vehicle back. Well, by the fact of me taking time to write this complaint, that never happened and I disputed their claim and they never responded. Now, on XXXX/XXXX/XXXX @ XXXX XXXX they are going before a judge to ask for a default judgement in the amount of {$3900.00} and other costs. I feel that this is fraudulent because they never responded in good faith to my original dispute and was never given a fair amount of time to respond to the claim they filed against me. They never reach out to me so that we could try to come to a amicable resolution for both parties and the attorney they hired never communicated with me at all until I received their notice of judgement in the mail back in XXXX XXXX. I feel like I was XXXX sided and had no opportunity to retrieve my vehicle after I attempted to pay the past due amount on the date we originally scheduled the P.A. The day I called to make my payment, which was the Thursday after the repossession, they refused to accept my payment or tell me where to retrieve the vehicle after they had told me the day the repossession the truck and I feel like this is a breach of contract and a fraudulent claim against me.

Company response to consumer: Closed with explanation