Over the course of the two years that I've had an auto loan with Wachovia, I've tried to refinance 3 times because I needed a lower payment and interest rate. I was declined all three times, however, the last time I applied they suggested I try for a "hardship" loan. Bear in mind that I was NOT delinquent on my account, but rather, I was trying to be proactive by reducing some of my monthly debt because I had a student loan coming due and an increase in my mortgage payment within a couple months. So when I applied for the... read full review »