I am an independent over the road trucker. I purchased my own semi truck and financed it with DCF. This was the 3rd truck I'd financed with them over the years. I never once missed a payment nor did I ever pay late. In 2009, my employer laid me off. I also began having one problem after another with the truck so the financial stress made it increasingly difficult to make the payments - but I did. I appealed to DCF to lower my interest rate and they refused. In fact, they told me I should just turn the truck in to the local dealer, which... read full review »