My loan was bought out by WFS Financial and ever since I have had nothing but problems. I am ahead on my payments yet every month I am charged a late payment and a previous balance... None of which makes sense since I overpay every month. I pay 375.00 every month and I am actually and as I previously stated I am a month ahead. Here is an example: Current Payment $311.91 Past Due Amount $8.59 Previous Late Charges $15.00 Total Payment Due $335.50 I called customer service and was treated like an idiot. After being... read full review »