We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not