![]() Where was the call to tell me that the 799.00 went towards pricipal? Absolutely no one reached out to me at all, about anything. In other words, you follow what the system says so that it shows you account is in good standing, but when it gets to my hand, they are innacurate? It's ok for you to use them not to call me, but it's not OK for me to accept that it says I owe 0? "We don't call, unless we got notified by the system, that your account is past due, and in this case we didn't know until June, after you had called us and asked about it". So I asked them, why wasn't I notified at all? Calls? Emails? Letters? They told me my account had already been reported for 30 days late, and 60 days late, and about to be reported for 90 days if I dont pay. You keep them for your record, but other than that they don't show you what you actually owe. I call them up, they tell me billing statements we mail to you are not accurate. I look at the payment history online, and all of a sudden everything had been readjusted, 799 had been refunded to the principal balance instead of showing that it was applied to the monthly payments before. I login to pay, and boom, my account says its 81 days past due and I owe $814, I missed March and April payments. Ok looks like my monthly payments have returned to the original agreed amount, and the 799 refund has been used up. June's paper statement comes in, says $346.66. Which looks like its a prorated payment due to the $799 not being able to cover 3 months completely. May's paper statement comes, and says I owe $240.98. Still shows the $799.00 credit being used. My 3rd paper statement comes in and again shows $0 dollars due. Looking at all the numbers it looks like they applied the refund of the $799.00, towards the monthly payment which is why I have a due balance of $0. My 2nd statement comes in, and says Balance due $0.00. So my first paper statement comes in Febuary, $344.66. Finance officer said no problem, just have to send cancellation form to TD bank, and you sould see reflection on your 1st, possibly your 2nd statement. When I took delivery of the van, I had spoken to the finance officer and said I'd like to have the gap insurance removed, since my insurance company includes gap insurance for all vehicles under their policy. I also added gap insurance for $799.00, which is also offered and financed through TD Auto Finance, I was told it could be cancelled at anytime. I purchased a van in January 2019 using the TD Auto Finance which the dealership selected for me, they beat my credit unions. I'm in anger and panic mode, and need some advice. And I've been in good standing for 20 years. I've worked my a$$ off to get where I am. ¹ Available on new vehicles and models three years old or less.Currently have a 767 credit score. You don't have to reapply each time you want to access funds. You even have the choice of using our Fixed Rate Advantage Option at any time to lock in all or a portion (subject to minimums) of your balance at a fixed rate with fixed payments.Īnd once open, your Line of Credit can also be used for any other purchases or finances. If you're looking for auto financing, we offer competitive Line of Credit interest rates and affordable car loan rates, the ability to choose how much you'll pay each month (subject to minimums), and convenient ways to access and manage your Line of Credit. Simply apply for a credit limit that will cover the cars in your price range, and then use only what you need. ![]() One big advantage is that you don't have to know exactly how much your car or truck will cost before you apply. Get more informationĪ TD Canada Trust Line of Credit is an excellent way to finance a car, and make the most of life's other opportunities. A personal auto loan from TD Canada Trust can help you drive your new car sooner. Our Personal Loans give you the security of fixed monthly payments and let you choose a fixed or variable rate with a wide range of terms to make the payments fit your budget. We have several options for you, but first… See how much you can affordīefore completing the auto loan application, try our Loan Calculator, a quick and easy way to determine which auto loan financing monthly auto loan payments will fit your monthly budget. ![]() not just about what make and model to buy, but also about auto loan financing and new car loan rates available to you today. It's important that you have the facts you need to make an informed decision. Buying a car represents the second-largest purchase most people ever make. ![]()
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