I used this company for a crazy six-year car loan and have been paying relatively steadily. In year 5.5 they sent me a notice to appear in their small claims court because I'm a month late with payment? They also have overestimated what I still owe. They've also sent kooky person to my door once to take photos. I think they hire them off Craigslist. The person apologized.
I'm a grown adult and maybe have had six or seven car loans in this time. This one is clearly the worst. They are obviously using illegal collection tactics. This loan has made me rethink ever getting a loan again. My next car will be cash only. Avoid these crooks.