Hawthorne, CA asked in Contracts for California

Q: Can I go after my car finance company for not having my contract and wrong finance amount in there system

Can I go after my car finance company ..my car was a total loss in November 2020 my insurance did there part and paid My finance company what they owed so it left a balance to pay off 6,959 which my gap is trying to pay but My finance company does not have my contract on file and then they have the wrong finance amount in their system that I finance the car for. Their finance amount doesn’t match the finance amount I got on my contract from my dealership. It’s now affecting my credit score real bad it dropped so much I keep calling my finance company about the contract but they always say the have to wait till there booking department reply’s. No one seems to help me and my Gap insurance gives me a due date to have all that in are they close it. But my finance company is not giving me nothing. And there also telling me I still have to make the car payments but I told them this is there fault if they had contract and right finance amount my gap would pay it and that’s why I have gap

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1 Lawyer Answer
Yelena Gurevich
Yelena Gurevich
Answered
  • Studio City, CA
  • Licensed in California

A: you need to contact a consumer protection attorney that has experience with debt collections and credit reporting issues. after a substantive consultation and review of the documents, the attorney may be able to answer your question.

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