Good day! I would like to ask my right and protection and possible action to be taken with regards to the harrasment of EASTWEST BANK for my car loan. Last november 2012 I wasn't able to pay on time for the monthly amortization for my car loan because of some financial problem during that month. My monthly dues is every 6th of the month I wasn't able to pay the whole November that is why the following month which is Dec. 6 another monthly amortization was added to my unpaid monthly bill. When the easwest bank contacted me that time I told them that I cant settle the whole two months balance because of my financial crisis. I was then advise to just atleast settled the last month due which is last Nov. 6 for the total of 19,700 with interest(Monthly due is only 17,500). So that it will only appeared in their record that my unpaid is just one month for them not to send my record into their legal dept. I was then paid the 19,700 on Dec. 20. The following month which is January 6 another monthly due was added and since I still dont have enough money to pay the whole amount I always settle my payment every 20th of the month for me to just have one month unpaid balance with them. And the transaction was repeated until up to this month in which I will also settle for last month's balance with interest. But then since March a collector agent keep on calling my office and my cellphone in which I wasn't able to accomodate their call because I was always talking with my clients and Im on duty with my work. They will just stop calling every time I paid with interest every 20th of the month. They will just resume their follow up every after 6th of the month which mean it was again 2 months past due. Their follow ups are getting more serious when the time they called and our receptionist told them that Im always busy assisting and talking my clients. Then they decided to come to our house one morning last April 5 to ask my younger brother where I am and ask my number. My brother just told them that Im leaving now with my husband in a separate house near in the area though I keep on coming there every weekends. The collectors then leave their numbers and names and they got my brothers number. I paid another 19,700 last April 20 as payment with interest for last month past due. But right this moment, May 15 my brother forwarded a text message to me that he received from eastwest collector stating the following "DESPITE OF OUR FOLLOW UP CALLS ACCOUNT REMAINS PAST DUE. KINDLY REMOVE ALL YOUR PERSONAL BELONGING FROM THE UNIT. WE WILL SCHEDULE FOR PULL OUT UNIT TODAY WITH EASTWEST BANKS SHERIFF. IT SEEM THAT YOU HAVE NO MORE INTENTION OF PAYING YOUR CAR LOAN ACCOUNT. BE GUIDED. EASTWEST BANK LEGAL DEPT".
First they are harrasing me, second they send a text message like this to my brothers number which is not my number and with that they communicate into other person with my false credit information. Third they reiterate a statement that "I HAVE NO MORE INTENTION IN PAYING MY CAR LOAN" which is not true because Im paying with an interest every 20th of the month. And I have proofs of bank deposits until last month.
I would like to ask the followin: 1. my RIGHTS about this matter. 2. The actions that I need to do if there's any illegal on their part 3. Where to file a complaint for what they did to me.
I hope you could give me a feedback as soon as possible. Thank you.