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.