To whom it may concern,

I wanted to start my discussion pertaining to Ford Motors and Ford
Motor Credit, unlawfully repossessing my 2004 Ford Explorer XLT.

Everything I'm about to write is totally true and can be proved by my
over abundance of evidence. Let me start out by saying, the 2004 Ford
Explorer XLT was purchased for my son when he turned sixteen. Here is
it gets crazy. I signed my simple loan contract in April of 2007, and
my first payment was due in to Ford Motor Credit in June of 2007.

When I didn't receive my first payment, I immediately contacted Ford
Motor Credit via e-mail, and stated what happened to my billing
statement and proper address? They stated, we were given the wrong zip
code by Extreme Ford in Crystal Lake IL. I then contacted Ford Motor
Credit via phone, and asked what is your proper address. The young
lady stated here you go Mr. Sottile.  I then stated Please understand,
due to fact I was a victim of identity theft I wouldn't pay my payment
by phone or online again.

 Her response was, you can be guaranteed, you would receive your
billing statement and proper address. To make a long story short, the
Customer Service Rep gave me the wrong address, how did I know this?
My July payment came back as address unknown, So I then again
contacted Ford Motor Credit via e-mail and stated, I still hadn't
received one billing statement or proper address.

Their response was, if we don't receive your payments we'll destroy
your credit. How about Mr. Sottile, we'll rectify this issue, but for
now here is the proper address. I then contacted Extreme Ford in
Crystal Lake IL, and stated do you have the correct billing address
for ford Motor Credit? The young lady stated this may be correct but
I'm not sure. I then contacted Ford Motor Credit, and stated the
Address I was given maybe incorrect. What was Randall's response, If
we don't receive your payments in five days, we'll destroy your
credit. Well I sent out my July and August payments to an address I
thought maybe correct, and guess what happened? They both got lost in
the mail.

The issue surrounding this problem was an improper zip code. I sent
Ford Motor Credit over one hundred e-mails, begging them to use a
60156 zip code, instead of the 60102 they was using.  Did they? No.
They then unlawfully repossessed my truck under the premise I was
delinquent. How can you be delinquent, when you made attempts to make
your payments on time, sent over a hundred e-mails that stated please
send my billing statements and proper address to a 60156 zip code?
Yet
This was this ever done.

Did I ever receive anything with a 60156 Zip code yes. You're going to
love this. I received a questioner that stated; is Ford Motor Credit
meeting your needs? I immediately sent e-mail to Ford Motor Credit
that stated I'm vindicated the 60156 zip code worked. What was their
response? Not here is your billing statement, so you know what you
owe, and from today forward you can pay your payments on time, That
would be to easy, they just repossessed my truck.

Since this time, I filed a police report, contacted an attorney, and
the news media. Why? How many people has Ford Motor Credit done this
too?

During this time, I've been dealing with a Mr. Steve Powell at Ford
Motor Credit, I've sent him over seventy e-mails regarding this
matter, and his response was silence. I did receive two letters from
Mr. Powell under what zip code? 60156.

 How did he respond? Mr. Powell's letters were written with false
information, not to mention very vague. Then he unlawfully sold this
vehicle, here is the best part Ford Motor Credit has destroyed my
credit, put an open repossession on it, and destroyed my credit
regarding missed payments, in which I never had a billing statement or
proper address to insure my payments were on time.

Here is my question? How do you pay something you can't see, and mail
it into an address you don't know? My attorney and the
Media agree.

Why am I posting this, my plan is to file a very large lawsuit against
Ford Motor Credit, for the unlawful repossession of my Ford Explorer
the unlawful sale of my Ford Explorer, not to mention the willful and
deliberate destruction of my credit. My attorney and the media all
agree. If anyone else has gone through this type of experience with
Ford Motor
Credit; please free to contact me. I believe if they've done this to
me, then how many other people have they done this too. I believe as
well as my attorney, we all deserve the proper compensation regarding
their less the admiral tactics.

Every e-mail and correspondence between Ford Motor Credit, not to
mention Mr. Powell and myself I have in my possession to verify my
case. To make a long story short, I never received a billing statement
or proper address since the inception of this loan in April of 2007.
Did
Ford Motor Credit knows this? Yes I sent over one hundred and seventy
e- mails explaining why I wasn't able to make my payments. No billing
Statement or proper address.

Thank You,
Tony (Chester) Sottile
224-623-3252
ksa_consulting_associa...@yahoo.com

I think you confused this site for the better business bureau or some
other forum which would be relevant.

Dear Mr.  Specked,

By no means am I confused, I've already contacted the better business
bureau, I wanted to insure people understood Ford Motors and Ford
Motors tactics. Whether they were stock holders, or possibley
interested in becoming stock holders, or just people who wanted to
give a opinion pertaining to my post. How many people has Ford Motors
and Ford Motor Credit done this too? Shouldn't they have a right to be
heard. I sent over one hundred and seventy e-mails to Ford and Ford
Motor Credit pertaining to this matter, yet they  were never heard.

I've been very fair regarding this matter, and since my evidence is
legitimate, and we have freedom of speech in the U.S., I felt that
people should be aware of Ford Motors and Ford Motor Credits tactics.
Mr. Specked if this happened to you, wouldn't you want the immediate
public to be aware of Ford Motors and Ford Motor Credits tactics, so
they're not placed in a vicarious situation also .

Thank You,
Tony Sottile
224-623-3252
ksa_consulting_associa...@yahoo.com

When you sign a loan, it will usually have the address stated on where
to send the loan on your copy of the documents.

Further, Ford is not at fault for your failure to pay either by
internet or phone until the mailing address issues were figured out.
This was your choice.

Why was automated withdrawal not an option?

Why was Extreme Ford of Crystal Lake, IL not further involved?  Are
you telling me you made only a single phone call to Crystal Lake Ford
and hung up after the lady said she may have the incorrect address?

Just because you attempt to make a payment on something does mean that
the payment was made.

I don't even know why I'm having this discussion, I believe this
entire issue with Ford Credit to be a hoax.

You mean someone who has a "consulting associates" company that uses
Yahoo mail might not be entirely upfront?  I'm shocked! O_o

It may be a hoax but it might also not be.  What it definitely is, is
not the complete truth.

The contradiction between:

1.  The willingness to give and receive billing addresses over the
phone and send hundreds of emails about the loan, and
2.  The unwillingness to pay by phone or internet

...should be a tip off.  A person either trusts phones and the
internet or does not.

The months between July through October -- that's 4 months -- is not
enough time to figure out how to pay?  Ford Motor Credit takes
payments by USPS, Autodebit, and Western Union in addition to phone
and online payments.  Any of these could have been arranged at the
dealership where there would be someone who is authorized to handle
things for Ford Motor Credit, such as autodebit forms etc.

Some people think that they are entitled to use different reasons to
delay payment for a few months and that this is okay.  The law thinks
otherwise.

Remember kids -- G. I. Joe said:  Winners never cheat and cheaters
never win.

Frank,

Thank you for your upfront opinion, but my story is not a hoax, first
of all on a simple interest loan contract, the lender must insure an
individual recieves a billing statement and proper address. why? To
insure payment.( Ask an attorney).

2) On my contractual agreement, their was no billing address for Ford
Motor Credit. If you would like, I would be more than happy to fax
over the front and back of my contract to you .

3) When this issue started, I immediatley contacted my attorney and he
stated, insure you send e-mails, this would insure you have a record
pertaining to your requests. Mr. Sottile you travel quite a bit, and
If you don't recieve your billing statements or a proper address, how
can you remember to pay your bill? He further stated, this issue will
continue to be habitual.

4) I even went as far as to contact a Ford Motors Dealer ( Extreme
Ford in Crystal Lake Il) They also gave me the wrong address.Here is
my question? I sent over one hundred e-mails to Ford Motor Credit,
Why? asking them to change my billing zip code to 60156, I also
contacted a Ford Motor Credit company, what did they do? Nothing.

5) As a borrower, I also have legal  rights, and one of them is this.
The Lender must send me a billing statement and proper address. why
Frank? To insure they get paid.

6) I went above and beyond my scope to insure Ford Motor Credit got
paid? I even sent in my July and August Payments, when I stated to
Ford Motor Credit, the billing address I recieved from Extreme Ford In
Crystal Lake Il may no be correct.Here was Ford Motor Credits
response,not Mr. Sottile here is the correct address. No  Frank they
stated If we don't receive your payment in five days, we'll destroy
your credit.( Would you like a copy of that e-mail correspondence
Frank?

As for my yahoo domain, I purchased my e-mail account through yahoo,
what is the big deal.  My good friend who has ten law offices
throughout the U.S. has a g-mail domain name.

If people aren't willing to believe my story, that's fine, but
hopefully this never happens to you.Frank if you can't legally
understand this issue, then I can't help you. Remember this, people
who tell the truth, will alwys win in a court of law,and  the court of
public opinon. You can't dismiss e-mails, their a very strong form of
evidence. I will no longer respond to these rediculous allegations, my
case is rock solid, and if people can't understand, then I truly feel
sorry for you.

Thank You,
Tony( Chester) Sottile
224-623-3252

Sad but, this guy is starting to make me think 2to...@gmail.com and
his ellipses aren't all that annoying......

A college job I had was financing at CarMax. In doing such I signed
all finance documents with the customers. I don't know Ford's
practices. But with every bank we used to finance customers (there was
somewhere around 10) we gave the customer an address and phone number
to call if they had not received their payment book with in two weeks.
You had almost two months before you needed to make your first
payment. That is plenty of time to figure out something was wrong.
While I am usually quite sympathetic to the consumer I can't imagine
how a responsible adult living in a civilized society couldn't figure
out in almost two months how to resolve this problem. The bank isn't
responsible for you to make your payments, you are and you signed a
contract stating as much.

Specked, I totally agreed with you on the responsibility issue. What's
wrong with our society today. They fall on the side of the road, they
want to sue the city; they go shopping and their kids act all crazy
then they try to sue the store for creating an unfit environment; they
want to borrow money to buy a car, but want the bank to find them to
ask for their payment back. What the f*** wrong with people today...
I'm sure people didn't have any problem to go to the bank pick-up the
fricking money to pay for their car when they purchased that piece of
shit. But they sure want an invitation when they have to make payment
for what they owed... I don't have any simpathy for that kind of
people in our society. I believe that if you're so irresponsible on
your communication to ensure payment is made on time. Then you should
ride a fricking bus instead...

Tony, I feel sorry for you then.  I'm sorry things like this happened
to you, but you had plenty of time to avoid these issues and you used
the back doors instead of going thru the front.

But heaven forbid you actually drive to any ford dealership to go get
the information yourself.... that takes 30 minutes round trip in most
scenarios.  I find it illogical that they dont' have the billing
information at a local dealership because...  THAT IS WHERE THEY SEND
THE MONEY!

This should be sent to Judge Judy.

I would simply go to the dealership  Extreme Ford in Crystal Lake IL
and make up a number of poster boards and walk around the sidewalk on
the outside of the lot.  Voicing your complaint. using words such as
thief, Ford credit uses thug tactics, Customer service null and void.
I would bet that your son is upset over losing the car.  he could
round up a number of friends from school, you could have a nice little
protest.  Get loud enough this local company will make things right.
I wouldn't say that my experience is the same as yours but when I was
driving to the closing on my first rental property I purchased, the it
was Feb. with 2 1/2 foot of snow on the ground and record low temps
for Iowa.  Then night I moved it was -30 windchill.  Back to topic.
Regardless when the seller had moved, he had snow plowed up through
the front yard removing the snow but also all of the sod.  Looked real
classy.  So I got into the closing got in his face and got loud told
him I was walking away from the deal.  His attorney recanted You can't
do that we have $500 in your escrow money.  So I kindly replied F*ck
off, I'll walk on general principal.  So back and for back and forth.
He attorney commented that I have never heard of such a complaint,
suck it up, just through down some grass seed.  I simply responded
that this was amature night, if he wants to come over this spring and
throw a little grass seed and ferry water bucket from his house feel
free.  Finally my attorney arose from her slumber and had a little
sidebar.  In the end, I walked away with $3000 cash at the end of the
meeting.  So the moral of my post is that when it comes to business
practices and things don't flow as the should, get loud, get in there
face enough that they think they are going to mess themselves.  Things
will go your way.

I would have just gone on-line and made a payment to the company
electronically? All you need is the name of the company and the
account number. If you were going through Ford Motor Credit they would
have applied it same day. What most people do not understand is your
check that you write has your account number on the check. I would
trust an electronic payment much more so than a check that could get
routed incorrectly or lost in transit. These kind of issues do not
happen to me.

Sorry but my credit acceptance letter and agreement that I signed has
a 800 number and a local office number for Ford Credit on it.
A quick search on Google can find your local ford credit office.

Once again... G. I. Joe said... :D

Im am sorry for you as well ,as much as I hate to say it I have never
owned an american car for me its a depreciation thing.Though I think
American cars are making some dramatic changes and improving Im just
not ready.Granted If I needed a pick up truck I would.I think you are
venting to the wrong people.This is an investment/traders board
however I am impressed by the amount of people taking time on these
boards for you.I havent had my credit ruined by car companies but I
have had my share of problems.It as if once the sale is made they dont
care anymore.As for your comments on a huge lawsuite I dont think you
have enough to succeed with it at least not by what you have said.Good
Luck! Hope it all works out for you.