Granted all of us had credit problems in the past and we are trying to get back on our feet. When I bought my car, the Dealer got my loan done and he said C & F gave the best rate. Yeah right. I had my car for over a year, and had nothing but problems. I have not been late one month, but every month I get phone calls , my payment is not in. And they call the day it is due. Not very nice either. There was 6 month where I did not have a payment book, supposedly it was sent, twice . Still I never missed or where late with a payment.A joke. After throwing a fit, I finally reeived it , of course those month where missing, imagine that. Theire address has changed twice so far, makes you wonder why! Customer Service is absolutely horrible. My last conversation ended with her smirking at me , ""well we do not control the postyal service and you welcome to refinance with anybody else"", ""of ciurse there are charges to be payed "". I have yet to talk to anybody helpful or even half way respectful. I have to agree with all other complaints. They are crooked to the bone. But for now I guuess I am stuck. I send my payment in 10 - 14 days before its due and still they call because they cant seem to find it in their mail stack . Funny, every time after I complaint about their phone calls they seem to find the payment and its processed within a day. Hm, I wonder. I am afraid to find out how much longer I have with them, they said they charge for that too, and does even anybody be able to figure it out ? If you need a car loan and you see C & F Finance on the paperwork, deny it , its not worth it.