Mid-Atlantic Finance Co., Inc. Consumer Loan Complaint

Mid-Atlantic Finance Co., Inc. Consumer loan department,

Vehicle loan Problems when you are unable to pay Florida

I have an auto loan through Mid-Atlantic Finance that is due every two weeks for payment. When I initially received documentation that this company had bought my loan from the dealer I originally got the car from, my payments were due every two weeks. I am paid on a set schedule and have explained to this company that very fact. I recently fell behind on my payments to due financial hardship and other factors such as change and pay as result of company outsourcing. I contacted my finance company to inform them of what had happened and set up a payment arrangement with - - '', who is supposedly my account manager. She stated on a recorded line that per the agreement for -, I had to pay $1000.00 to


- as of the end of this month, I still owe a balance that is past due. The initial representative laughs and states that I am still past due, places me on hold for ten minutes and cold transfers me to my account manager '' who states to secure the account, $1000.00 has to be paid on the account for - ... If I am not mistaken, the payments that have been made and posted total $1000.00. - blatantly states that I had to make a payment of $200.00 to satisfy the $1000.00 for the month of - to secure '' my account from repossession status. I have done my research on this finance company and did not choose to have them purchase my loan. After clearly stating my situation, being assured that a resolution could be attained without repossession, I feel that this company and it 's morals are out of sync with - another. I simply stated that I would like to pay $ 450- $550.00 on the - and - of - so that my ending month 's balance would be under $220.00 as I am currently under by $760.00 at the moment with payments due every two weeks of $280.00 ( and then $290.00 if received late ) and by - -, have my balance at $0.00 after $550.00 payment on - -. As you can see, I have calculated with my current salary of $13.00 an hour from $10.00 from - - - - - what I can pay aside from rent, car insurance, etc. I have made this - person aware of my current pay and what I can afford to pay every two weeks to ensure I have a vehicle to get me to work. At this point, I do not know where else to turn. This company calls every day stating I have to call them back by the end of the business day and even does so while on payment arrangements. Is this legal? I mean, I understand that my credit is not superb or else I would have had a finer institution handling my account however, I am still human and this does n't seem legal to demand payment from me after the amount needed to secure '' my account has been made. I also emailed this - - and asked if the call can be pulled ( in which I know it can ) so that she could understand that she had stated I needed to pay $1000.00 for the month of - to keep my account secured and then stated I had to pay another $200.00 to do just that.