Okay so I've had my loan with C&F for two plus years and have been on time before time since payment month number one. Well this month, I was almost twenty days late (due date - Feb. 16th) and the harrassing calls began. I was out of town on business and didn't check my home voicemail often because all of my friends, family and co-workers used my work phone or email to reach me while I was away. I received five messages in five days from a C&F rep and made a mental note to call them upon my return home because I knew it couldn't be that urgent considering that I am always on time and I wasn't a whole 30 days late yet. That's when they started calling family members - godparents, cousins - they even called my aunts ex husbands house. How in the world they knew how to contact any of these individuals is beyond me, but they did! Imagine how embarrassing that is. Did they think that in twenty days I had skipped town on them? Are they serious? Once I started being contacted by my relatives - I sent the payment via Western Union from out of town instead of mailing in a check when I got back home. It was just disgusting how they handled it. I am so sure that there are people who are more than twenty days past due that they need to stalk, but surely not me. That action right there has caused me to not refer or do business with them any longer. In these touch economic times no one needs any unnecessary hassle... I opted to take the remaining balance out of my 401k and pay the darn car off. It's worth the 401k penalty. Now you know - that is plum ridiculous.\r
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Stay away from C&F! You've been warned!!
Pros: too easy to get a loan
Cons: harrassing phone calls and threatening correspondence
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