First Heritage Credit, LLC Consumer Loan Complaint

First Heritage Credit, LLC Consumer loan department,

Installment loan Problems when you are unable to pay Tennessee

I had the account for over - years with timely payments until I lost my job in - 2014. I made my last payment as of - 2014. I had no income including no unemployment and have not made a payment on the account. I have been speaking with them each month regarding my inability to pay. I spoke to them in - regarding my account status and any options to lower the payments or if I had insurance on the account. The Branch Manager stated I did not take the insurance out. I stated I was never offered any. She then replied we are aware as a company the accounts were mishandled and insurance was not being offered per policy. Due to this issue along With many other issues they cleaned house and hired new staff. I then asked was the company planning on fixing the problem and she stated no. So then I asked were there any other options to help me on the account and she stated no because the balance was so small - $1200.00 -. As of today I received a call stating they had no prior notes on the account regarding any of the prior conversations I have had over the last - months. They demanded I pay $400.00 immediately and I stated I do n't start my new job until Monday - and could n't make a payment until - my - payday. They refused to accept my offer. I requested they do not correspond with me by phone any longer due to the level of disrespect over the phone and they called - more times after my request.