I accepted auto loan from Wells Fargo Auto Finance in 2006. My loan was for 48 mos and matured 1/2011. I have been late for the entirety of the loan because I over estimated my ability to meet the note ($689 monthly) but I always paid the late fees. The auto was repossessed once and I paid the fees to retain it back. In December of 2010 I spoke with a very nice agent who assisted me in getting the loan caught up. I paid $1400 that night via Western Union and then authorized a bank draft the following week which made me current to that month... read full review »