CitiFinancial Auto
Harassing phone calls everyday

Automobile loan that we obtained in 2006; we were both working at the time when we purchased the vehicle and were able to make payments with out a problem. The place of business that I was employed at let me go in May of and I was able to collect unemployment for about six months. In September of my husband was on dialyses and had a seizer, (was given medication that he should not have had, due to the fact of being on dialyses, and spent ten days in the hospital, due to their negligence of medication). He was unable to return to work because he still to ill to work, and the place of business that he had been working at closed in December of the same year. We were unable to receive any help from the state due to, too many assets, (401k, retirement funds, but not old enough to collect yet). We ended up turning the 401k into an IRA that I could draw on, but have to pay taxes and penalties. For the last year, we have been living expenses have been paid out of this IRA, what little unemployment my husband could get and his SS disability, but now the IRA is gone, unemployment is gone and both of us are still out of work. Both of us were in the hospital in December of (I donated a kidney to him) and I was in the hospital in February of had to have a hysterectomy. Both of us are continuing our education doing so by the means of student loans, which gives a little extra to help on our living expenses. We now have began to fall behind on our vehicle loan, we have asked to have the payment amount lowered to what we feel that we could handle, received a confirmation number and had to scrap up over $725.00 to do so, (our payments are 709.00 a month). CitiFinancial/auto first said that they could lower our payments for six months, if we came up with the $725.00 and said that they would work on lowering the payment for a longer term. However, we have been receiving harassing phone calls everyday, sometime three or four times a day, saying that they cannot except these terms and need more money up front, before they can work on lowering or deferring any payments. However, with in the next few months my husband will have a job, when the place of business opens up for business. But, CitiFinancial says that they NEED over $700.00 more before they can work with us, we now have no money to even by bread or milk until the middle of July. What can I do? Do I have any other alternatives other than returning the vehicle?

Company: CitiFinancial Auto
Country: India

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