Consumer Portfolio Services Consumer Loan Complaint

Consumer Portfolio Services Consumer Loan department,

Vehicle loan Managing the loan or lease Florida

Yet another complaint against Consumer Portfolio Services. This will be my - and Hopefully final complaint against them. They have replied to an earlier complaint, I have disputed it and have had no response. so here it is. The contract should be NULL and Void as the Main applicant ( - - ) NEVER signed the contract. The contract should be deemed null and void. 1.


the due date to the - of the month, in the situation, it showed that a payment had been made for the - of the previous month and then due again 2 days later on the - ( which is when the account started showing a delinquency ). - - noticed the account was showing behind, when in fact it was paid ahead. He contacted CPS via phone and was told they had permission to change the due date, he said that neither he nor - - authorized this change, they dismissed it and refused to put the date back to the -. He then asked for a written and signed document from either him or - -, requesting proof of the change, it has been over 4 years and still no such document!!! 2. - - was NOT present at the time of purchase and did NOT sign the contract for the loan. Her son was employed by the selling dealership and was allowed by the selling dealership to purchase and sign the contract for - -, even though she may have given verbal permission over the phone for him to do so, there was NO power of attorney signed. A hand writing analysis can be performed to verify the signature is Not - signature. In fact she was at her place of employment ( working ) - miles away from the selling dealership. ( this can be proved from payroll records. ) 3. The vehicle was purchased for a 3rd party, which to the best of my knowledge is NOT allowed by CPS. In fact neither - - nor - - ever driven the vehicle ( the vehicle in question is a manual shift, neither one of them know how to drive a manual transmission. ) The contract itself is not even a CPS contract. Cps has been trying to implement policies and fees off of someone else 's contract. The contract is on an - contract, and only has CPS ( hand written ) on it, with NO address or phone contact information for CPS. For any one or all of the above reasons, the contract should be considered NULL and VOID, and the vehicle returned to CPS, with all and any Balances removed, and the loan as a whole be removed from - - and - - credit reports considering she NEVER signed the contract in the first place. We have copies of the contract and - - Signature that can be provided, we can also go to a notary public to verify her signature if needed.