North Coast Financial Svc

The North Coast Financial office @ 5373 Monroe St Toledo, OH is BAD news! They divulge their customers financial information to anyone/everyone! They are Ruthless & Threatening to the Debtor's Family & Friends! They will even track your families credit cards even when they are not a customer just to keep up with where everyone is at. A friend of mine, Was on vacation in another state. She paid for the room with her own credit card & it was registered in HER name. Yet, North Coast Financial called the hotel SHE was staying at in order to try get her to tell them where HER sister was.... She had no idea since SHE was on vacation in a different state! They scared my friend into a panic. For fear they were going to send THUGS to her hotel room! (They informed her the motel operator told them her room number. They informed her what number it was! BEWARE of North Coast Financial Svc!!! I do NOT think any creditors should be able to have access to a persons financial info if they are NOT a customer! more

So You all piss and moan over a company that takes a huge risk to lend you money when nobody else will .... Its all your own faults..these reviewsI ve read are so true to people that Do Not Pay There Bills . Be glad your driving a car and not on a tarta bus..... Thed did you the favor and Sorry but you did it ... Im glade for them been ther to help loosers like you.... more

I purchased a used vehicle from franklin park/ linc. mur. and first of all the man made me be owner of the vehicle when i was suppose to be the co-signer. Then I got the loan through Northcoast Financial which was really a big mistake, they overcharge, their rude on the phone, the car's transmission went out in less than a year, and they don't go after the co-signer if the cars isn't paid by the owner. This is the worst place to get a car loan through. If your looking to by a car and have bad credit or no credit then dont go to NCF, your better off going to a car auction and fixing whats wrong with the car. Because NCF will tripple charge you what the car is really worth. more

I got a vehicle that I overpaid for in the first place. It was a great vehicle, but I overpaid by quite a bit. My son had an accident in the car and was actually killed in that accident. They are now hounding me to continue paying for the car and do not understand that I took some time off work to grieve. They have no compassion whatsoever. They got $8,000 from the insurance company and are now hounding me for the other $3,000 left on the vehicle. They could at least give me a bit of time. Pros: Got a decent car Cons: Harrassed constantly more

I purchased my car through Franklin Park Lincoln Mercury(corner of Jackman & Sylvania) which would not tell me the loan price until after I signed the paperwork for the loan. Then on the 3rd day of having the car the check engine light came on and found out it was the EGR valve they promised they would have it fixed and here it's over 2 yrs later and I am having it fixed myself on my dollar not theres. I too have several issues regarding there box in my car that they say it is my battery and cables neither of them are bad or corroded (they're both brand new). I also have electrical probs in the car I purchased because it mysteriously has a BREATHALIZER hooked up and has a short in it. I was told by Northcoast (Jeremy) they will take it out for $80.00 hr. which I am not sure why I am responsible for there Screw up leaving it on the car in the first place when they sold it to me? I am an honest payer and have pd over my loan amt every week and have found out that I am barely any closer to paying my car off. I found out the overage I pay each week accumulates and does not go towards the principal on my loan. I have had the best customer service from CARRIE. As for needing an extension they only do that if you have an overage or at X-mas time and the reps are not allowed to advertise. So you must ask about options. My recommendations for a car loan is a Family member or get a second job it will be lot less hassel. I could tell you more stories about what I have been through but I will leave that up to my LAWYERS. Pros: Got a Car Cons: Get ripped off. more

The Truck That I Purchased Is Very Reliable But The Customer Service Is In Need Of Some Serious Help, They Put You On Hold Forever It Seems Like And Never Are Polite. Pros: Location Cons: Customer Service / Customer Service more

THIS COMPANY TAKES ADVANTAGE OF PEOPLE AND THEIR FINANCIAL SITUATION. THEY SELL CARS THAT ARE READY TO FALL APART. THEY WILL TAKE YOUR VEHICLE THEN SELL IT AT AN AUCTION FOR DIRT CHEAP AND YOU WILL STILL BE LIABLE FOR THE FULL AMOUNT PLUS 25% INTEREST!! THEY WILL COME AFTER YOU AND GARNISH YOUR WAGES AND TRY TO MAKE YOU PAY FOR SOMETHING THAT YOU DON'T EVEN HAVE!! STAY AWAY FROM NORTH COAST FINANCIAL SERVICES !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ON A SCALE FROM 1-10 I WOULD RATE THEIR CUSTOMER SERVICE AS A 2. Cons: EVERYTHING more

this is my last year to pay on my car and i have had nothing but support and courtesy from these people.! ~ this is my first message.! ~ now i know there pricey but you got to understand your a high risk person to give credit to in the first place.! ~ and if your not then you need to find other financing.! ~ i have lost my job more than ounce and every time i needed it with in moderation meaning no more than 2 in a six month period they will help you.! ~ now i pay on time and always have but i bet like a lot of people these folks complaining are most likely trying to take advantage of them and forgetting it's a business.! ~ i recommend not messing up your own credit in the first place so you don't have to go to a high interest financing company, but if your down on your luck with credit and your honest and not taking advantage of them you will see there great to work with.!!!! ~ no problems here i am 31 yr old blk male.! ~ Pros: good service/ really understanding/ helpful/ courteous/ Cons: high finance rates more

I just ran into a problem with Northcoast finacial. I have to call in a payment every week to get a code. This past week they took out $101 over what the payment is. This totally messed my bank account up. I called them and they were suppose to put the money back into my account within 36 hrs. Well they didn't now I have over $96 in overdraft fees. Pros: I got a car when I needed it Cons: They screwed up my credit worse more

I BOUGHT A CAR THRU NORTHCOAST AND AFTER ALMOST 2 YEARS OF NEVER BEING LATE I CAME UPON HARD TIMES AND I COULDNT MAKE THE PAYMENTS AND MY PARTNER LEFT WITH THE CAR , I DIDNT KNOW HE WAS BACK IN FINDLAY NOT ONE TIME WAS I NOTIFIED BY NORTH COAST THEN I RECIEVE A LETTER SAYING I AM BEING SUED FOR THE ENTIRE AMOUT OF THE LOAN EVEN AFTER THEY REPO'D THE CAR!!!! WHERE IS THE CAR? WAS IT SOLD ?? WASNT THE AMOUNT GOTTEN FROM THE CAR SUPPOSED TO BE APPLIED TO THE LOAN ? NEXT THING I KNOW THERE IS A JUDGEMENT NO COURT DATE NOTHING DO NOT USE THEM EVEN IF YOU HAVE TO SAVE MONEY TO BUY A CLUNKER MOST OF THE WOMEN WORKING THERE ARE RUDE BITCHS more

This company claims its out to help ppl. rebuild there credit. Their main goal is to make money. I dont fault them for that. However, I feel a little honesty is much better then scamming. Unfortunately, I purchased a car from them. It was in the evening and snowing. They cleaned the car off as much as they possible could. Which i asked them is there anything by were the ice is on the car and you really cant tell. The guy reasured me there wasnt. Well, we went in and signed the contract. The next day, I went in to pick up the car. They took it through a car was, the right back panel had a huge dent into it. I looked at the sales person and said ""What the hell is this?"" He said, ""oh, I dont know, its nothing though, we can get it out. Ok, so we took the car home. The next morning I wont up and was checking the car out more clear cause it was daylight. The front grill had a break in it, and was ducked taped together and painted black like the color of the car so ppl wouldnt notice it. Of coarse the dealership denied knowing anything about it. So, I took it up with Flitcher. He's the fool who owns the company. And the dealership, Yes, He is the owner of both. Amazing isnt it? Well, he blew it off. Said vanity isnt everything in a car. Well a week later the transmission starting messing up. So, I took it in. They looked at it. Said nothing wrong with it. I took it for a long drive and again broke down with it. Had to pay for a towing charge. Brought them the car, and again after the car cooled off, Everything was ok. The guy said I was nuts. So, once again I called Flitcher, He said bring it in, I will personally see what we can do. After the 3rd time. They finially realized there was a problem with the trans. They put in a new one. After 6 months of fighting with them. A week later, got a oil change, Told oh sorry cant do it they welded on the screw for the oil tank. etc. I spend $2400 on repairs. That car almost made me go bankrupt. Cons: The whole setup to make ppl pay 3x what the car is worth more

I have had my car for about a year and a half now and have had nothing but problems with it. I was forced to pay for a warranty that was supposed to cover everything, but in reality only covers specific problems. My linkage cable to my transmission broke, and it wasn't covered, so I had to pay 300 dollars to fix it. Of course I still had to make my payments so that the infamous box wouldnt shut the car off. I have had A LOT of electrical problems, which may or may not be associated with the box (which they have had to replace because it was hooked up wrong and drained my battery). My credit is bad and I was desparate for a car, so I signed a contract. I was under the impression that lenders would not give you a loan that was way over bluebook, but I was wrong. Two months after purchasing my car for $7000, I found out blue book was less than $2000. I know I should have looked into it, but like I said, I was deparate. By the way, I did NOT have a trade-in, I was just overcharged. I once called to see if I could skip one of my WEEKLY payments( after being on time for a year) and was told I could skip the payment, but my car wouldn't run until my payment was caught up. more

Our van was falling apart so I went to a local dealership. They got us financed through this ""company"". We had to have the box removed because of all the electrical problems. We have had this car less than a year and I am ready to drive it to them and tell them where to shove it. They call everyday. We have put over $2000 in it in repairs along with my insirance company paying $4000. (We were in the flood) Do they care? No! Whatever you do next time ask who is financaing. This company doesnt even put our payments on our credit report. We are trying to rebuild our credit. I will never have anything to do with these people again.I am changing our number and giving them back their car. Cons: Too easy to financace more

THIS IS THE WORST EXPERIENCE OF MY LIFE! THIS WAS THE WORST MISTAKE I EVER MADE. THESE PEOPLE ARE THE NASTIEST PEOPLE I EVER COME IN COUNT WITH IN MY LIFE. I HAD A BAD EXPERIENCE WITH DIANA SHE IS A DISGUSTING PERSON. IF IT WASNT FOR US THEY WOULD NOT HAVE A JOB. I AM WORKING SO HARD TO GET THE LOAN PAID SO I CAN LEAVE THIS HORRIBLE COMPANY ALONE. THEY THREATENED TO REPO MY CAR FOR BEING 15 DAYS LATE. IF U HAVE BAD CREDIT AT ALL COST PLEASE AVOID THIS COMPANY.. GO THROUGH CREDIT ACCEPTANCE.. Pros: I HAVE A CAR TO GET ME TO A TO B Cons: DIANA,THE OVERPRICED CARS, CUSTOMERSERVICE more

My husband bought a car from this company in Jan 07, I have had some good and mostly bad experience with this company. Angela who is an employee there is FANTASTIC. She is so nice and has always gone the ""extra mile' for him. Dianna who works there is a complete B***** and needs to pull the stick out of her butt, she is not better than the next person and really needs to reconsider the way she treats people. She has threatened my husband left and right that she was sending the car out for repo, he is now in the process of filing his ch 13 bankruptcy and although he didn't want to include the car has to, but at the same time we are glad that we don't have to deal with Dianna anymore. Pros: Able to obtain financing and rebuild credit Cons: DIANNA!!!! more

My husband got a car through these guys, they shut his car off from the box even tho his payments were paid on time!!!!! Finally we took the BOX OFF because it was taking 2 days to get it back on. But not before my husband lost his job!!!! We filed bankruptcy on this company in 2005 and they are still trying to get us to pay and they refuse to stop reporting bad credit even tho they have the bankruptcy info. Pros: they'll give you a car Cons: hope you don't really need it!!! more

I AM WRITING THIS JUST TO SHOW HOW PATHETIC THESE PEOPLE ARE. I USUALLY PAY MY PAYMENT OVER THE PHONE AND I CALLED A FEW WEEKS AGO AND I WAS PUT ON HOLD FOR LIKE 10 MINUTES THERE WERE NO APOLOGIES FOR THE WAIT AND THEY ACTED AS IF I WAS INCONVENIENCING THEM. WHEN I WENT ON MATERNITY LEAVE LAST YEAR I ASKED IF THERE WAS A WAY THAT I COULD SKIP A MONTH OF PAYMENT AND THEY TOLD ME THAT IF MY PAYMENT WASNT PAID I WOULD HAVE 20 DAYS TO MAKE THE PAYMENT OR THEY WOULD COME AND REPOSESS MY CAR. ITS NOT LIKE I HAVE EVER BEEN LATE ON A PAYMENT. YOU HAVE NO CHOICE BUT TO PAY. THE BOX IN MY CAR WENT DEAD SO I WAS INCONVENIENCED TO HAVE TO GO HAVE A NEW ONE PUT IN MY CAR. I PAY A LARGE AMOUNT A MONTH FOR MY CAR AND ONLY LIKE 1/3 OF THE PAYMENTS I MAKE ACTUALLY GO TOWARDS MY PAYMENT THE REST IN INTEREST. I'M PAYING MORE IN INTEREST THAN I AM FOR THE CAR. THEY ARE NOT A GOOD COMPANY AND I WOULD NOT RECOMMEND THEM TO ANYONE. THEY NEED TO STOP ACTING LIKE YOU ARE A BAD PERSON BECAUSE THEY MAY BE THE ONLY OPTION FOR YOU TO HAVE A VEHICLE. PERSONALLY ID RATHER WALK OR TAKE THE TARTA. THE PEOPLE THAT WORK UP AT THE FRONT ACT LIKE THEY ARE THERE TO MINGLE WITH EACH OTHER RATHER THAN TAKING PEOPLES MONEY. THEY GET MAD AND GIVE YOU LOOKS IF YOU EVEN STEP FOOT IN THEIR OFFICE. Cons: THEY ARE A TERRIBLE COMPANY more

I WOULD NOT RECOMMEND THIS COMPANY TO ANYONE THEY ARE VERY NASTY PEOPLE TO DEAL WITH .THOUGH I HAVE NEVER HAD A PROBLEM BECAUSE MY PMTS WERE ALWAYS ON TIME I HAVE HAD TO CALL A COUPLE OF TIMES IN REFERENCE TO CHANGING MY DEBIT CARD NUMBER.I WAS TOLD THEY WERE NASTY BECAUSE THEY WERE VERY BUSY.WELL I WORL IN AN ENVIROMENT THAT IS ALSO VERY BUSY IF I EVER TREATED SOMEONE THAT WAY I WOULD BE STANDING IN THE UNEMPLOYMENT LINE. I ALMOST CHOKED WHEN I WAS PUT ON HOLD AND I HEARD THE AD SAYING THEY ARE TRAINED FRIENDLY CUSTOMER SERVICE.HA WHAT A JOKE.I WILL SAY THERE IS A GENTLEMAN THAT WORKS THERE HIS NAME IS JEREMY IF YOU EVER HAVE A PROBLEM ASK FOR HIM HE IS VERY FRIENDLY AND ON THE BALL. Pros: PAYING IT OFF!!!!!!! Cons: CUSTOMER SERVICE more

This dumpy company should be put out of business. They give high risk loans. Put a little box in your car and if you are three days late, the box locks the car and you can't drive it. Nevermind if you have fallen on tough times-THEY DON'T CARE. Their goal is to make money off of the less fortunate. They hire people to hunt you down to repo the car or garnish your wages or bank accounts. The employees will lie to your neighbors, relatives, employers and references just to make a buck. This is a very dangerous company. They use any means, legal or illegal to hunt people down like dogs. They did this to my sister when she was down on her luck. Never missed a payment until she lost her job and they disabled her car so she was unable to find another job. DO NOT FINANCE THROUGH THIS DOG OF A COMPANY!!! Cons: Too many to list more

Dont even expect this worthless junk of a company to work with you if you happen to be a few days late on a payment, even though you have never been late in over 2 years of paying them. They have no consideration for anyone aside from lining their pockets; companies such as this prey and feed of the mis fortunate. If if this is only option of obtaining financing for a car, you best to be without one, Lord forbid you loose your job in this shrinking economy. Cons: Anything they say is a con more