Citi Financial drama!

[inpain66]

SO They call me over 50 times a day and I am not even late 30 days yet. I have a message on my voicemail saying they are filing against me at the district magistrate on Friday if I do not pay. Friday would be 30 days late.


can they actually sue that fast?

I am saving for Chpter 7 lawyer and that is why this month I was going to stop paying.

CITI says they will sue me right away cuz I took the loan in July. I made payment in August, and Oct and used a deferment in Sept.


I took the loan and the next month I lost my second job. They are claiming FRAUD since I have not had the loan long. What should I do? SHould I pay????

[okiebk09]

i cannot stand citifinancial. they must call us 20 times a day also. they are so annoying. i finally paid them on the 1st and they were calling again on the 8th wanting more money. i am like ahh hello i have not even gotten paid again since i paid you last. do you know when you are filing?

[GreenInkOnPaper]

One time - yeeeaaaars ago - a collection goon with Firestone told me that they were getting ready to sue me, as I was 9 days late on my payment. I said,"Ok. That'll relieve me of further payments ~ I mean since I'm getting sued. I'll just wait for the judgement and garnishment and all that." They never called back. Funny thing is, I had mailed the payment about three days prior...

[drowningNdebt]

Citi financial scare tactics. That's all they are. Back in the day when I worked for Citi financial we would say the same thing. Garnish wages, judgements, liens, etc. My district manager was even worse. He would yell at the people, make them cry on the phone, etc. That's when I said I had enough and quit. However, they are just threats.

[applecake]

LOL - yes, I've been made to cry on the phone by the legal loan sharks at Citi Financial!!!!

Drowning, I could just read your stories all day. It's too funny. Good for you for getting out of there. Citi Financial has been the bane of my existence for 7 years now, and we are finally getting out from under their thumb with this BK.

[drowningNdebt]

applecake, I'm happy for you and getting out from under Citi financial's tactics. They are an unethical company. Infact, I heard that Citigroup was looking at eliminating Citi financial and cutting a few other company's from there umbrella.

However, don't get discouraged if you get calls from Citi financial all day. They are hounded to make the collection calls all day long. When they slamn the phone down on you it's just one of their tactics. If they say their sueing you, just another tactic. Just let it roll off your feathers like water on a duck.

[inpain66]

Thanks.


I hope to file chapter 7 in the spring or June at latest.

I just need to save that 1500 for the lawyer.

I have to pay off a stupid payday loan too.

[liz417]

Thanks.
I have to pay off a stupid payday loan too.

I would include them in your matrix of creditors and get this discharged too.

[Doghouse]

CitiFinancial also called me 5 days after my payment was due. Told them I'd lost my job and couldn't even pay my mortgage or anything else. They told me to call back the next week after unsuccessfully trying to get some kind of payment out of me.

Four days later, they called again. This time I had retained an attorney. Gave attorney's name and number and silence so far. It's been about 2.5 weeks since.

[danaf]

Just make sure you make the min. payments for over 90 days so they cannot object to your bk. After 90 days, then stop paying them.

[inpain66]

Just make sure you make the min. payments for over 90 days so they cannot object to your bk. After 90 days, then stop paying them.

I took the loan july.

paid min august

paid half for a deferment sept

paid min october

am I okay now? I really cannot keep paying the min. It is 200 a month!!

[drowningNdebt]

your fine. anyways, they would have to prove you were trying to defraud them. almost like your health, one day your healthy and the next severely sick. life is unpredictable. same situation applies with your finances.