Arcadia Financial Ltd - South Hackensack, NJ 07606-8021, is the original lender in October 2001. $21322.10 loan amount about 3 1/2 years payoff at 485.70 monthly. Citifinancial took over in 2005. In September 2007 Citifinancial Auto sent notice of contract end to demand full payment or sign another contract to make 24 payments at 322.61 monthly. All but 6 payment were made to this acount with 6 payment extentions. How does a loan amount of $21k go to over $30k pay back. Loan #0621184101 for Chev 1500 Express cargo van. Q. Ludy... read full review »