******* Collection Methods

My MFC is account is in late stage(2 payments down) after being denied a payment holiday a few months ago. A collection consultant by the name of Caroline called me and tried deceiving me, telling me that they are coming to repossess the vehicle by close of business today(25 March 2022) if I do not pay 80% of my arrears today. She said to me that MFC is not willing to negotiate(proof is in the recording). I told them I'm getting cash in the next month and my account will be back performing as at the next cycle. She wasn't having it. She even had another agent call me to "arrange collection" of the vehicle.

As someone that had worked in banking before, I know that vehicle collection by non sheriffs are *******. I hadn't even received a mere letter of demand. Upon questioning the 2nd agent, I made him admit that they are making me agree to a voluntary surrender(deceptively so) which will put me in a worse off financial position due to associated costs.

As far as I'm concerned MFC(or the consultants) are using deceptive collection methods - ******* METHODS. While I take responsibility for ensuring my account is in order, I expect excellent customer service from MFC. Do not coerce me into voluntary surrender.