Scotia Dealer Advantage

My account is up to date, i
I just checked my bank account and they took my next payment 4 days early and they took 2 payments. If you have scotiabank, scotia dealer advantage feels like they have the right to take payments early or whenever they feel like it. Worst lenders ever!

I was recently sent a letter stating that they revised my car loan and the new payments were cheaper...which I did not consent or even know about to now be told that if I can't make the last payment which now will be over 10,000! They will just refinance my car loan.. I'm fighting with them now started a complaint after first being told I wasn't allowed too make a complaint against them. Now the refuse to take my calls or phone me back. Worst company ever! Now I've had to get a lawyer involved and are more likely ending up in court because of them thinking they can just redo your car loan without your consent!

I bought a car a few days ago. I'm trying to make an extra payment but in the contract there's no account or reference number, only an " application " number. After 3 hours and being transferred three times to different departments, they tell me : we can't find your account yet. Call back in two weeks. What?! Seriously?! I'm already driving the car, but you don't have my account number? It's definitely meant that way. Because the interest I'm paying now are the highest per day so, they cannot find my account and of course it's impossible to make any payments now while they charge the highest interest... complete rip-off.

Asked for a summary of my account. Called six different times nobody could help me get a summary of my own account. In the middle of trying to get a house and needed proof that I only have one loan with Scotia they couldn't write something up to help me move forward. I would never recommend this place for a car loan. They cant even give information on your own account.

They are not a bank, they are crooks. from my experience it feels like they take money out of my account when ever they feel like it. ive payed thousands of dollars in nsf fees because their computer systems cant get the right day for pre authorized payments. they have Phone harassed me and my co-signer 10x a day even when my account is all up and paid. and to give u guys an example of how bad these guys are I called them mid december several weeks before my payment and asked to postpone my payment till after christmas. the representative told me that wouldnt be a problem. yet they took the money out of my account anyway, dinged me with a nsf fee. and took the other payment for the day we arranged. but that bounced too because of the previous payment wasnt canceled . dinging me with 2 nsf fees that didnt get refunded. then they told me I was basically screwed a couple days before christmas. and this is just 1 example of their many, many "screw ups". id rather have no vehicle than to deal with this company. never again will I go with scotia dealer advantage.

The absolute worst company I have ever dealt with $interest charge on a $645,pmt that was TWO WEEKS LATE!!!! *** They don't pay any attention A telephone call is their only way of dealing A signed document is not valid to them They phone tines/day but dont leave messages and when you do talk to a staff member, 99% of them can't speak English *** *** I WOULD NOT RECOMMEND THEM TO MY NEIGHBOR'S DOG!!!!!

At the end of my contract term, the last pre-authorized amount due was $140 instead of the usual $300. Scotia Dealer Advantage took $300 instead of $140 and left my bank account (with [redacted] bank) in the minus of $160. When I called, they said it will take up to 10 days to fix it. I asked who was going to pay the $45 charge for a unauthorized overdraft and they said it was my problem. I get it, I should have more $ in my account. BUT this is not my fault. They said their system does not work that way to take a lesser amount at the end of a contract. I asked why? That we are 2016 and this isn't up to day. They said they would suggest it. They refused to make arrangements of $45 right after I just got done paying them $38,000.00. I told them I was wanting to take a new loan out of $40,000.00 and asked if they were willing to give that up over a $45 argument? Still said they wouldn't fix it. Well, I know plenty of people who would take a loan through them if they were suggested to do so. Scotia Dealer Advantage would definitely not be getting a recommendation from me. It's principal, you do not do business this way. I myself own two businesses, I am constantly making things right to keep my returning customers happy. Even on a $20 product. I can't believe SDA would throw it all away over $45. Thank you SDA you did me right, right up to the very end then basically told me to go [redacted]

My husband and I are dealing with this Scotia Dealer Advantage and they took the payment out and put it back into our account..we don't know why when the money was in there. THEN they charge us $50 for n.s.f fees? Why? when the money was in there? Oh and we asked about skipping 2 payments and they said oh ok after 6 months..then we called at 6 months and they said oh its been changed to 9 months. NEver have we dealt with such rude people ..

This company has extremely poor communication with their customers [redacted] Speaking from personal experience it is best to get a lawyer if you have issues with this company. [redacted] You can be a fantastic customer of theirs, never missing a payment for 5 years until something traumatic happens in your life and then they bring out their worst employees and will try to degrade you.
[redacted] They do not have properly trained staff in their collections department and the limited staff they do have will not allow you to speak with a supervisor. [redacted] you will have to get a lawyer to sue them as I have.

I have been dealing with Scotia Dealer for many years for 3 different vehicle loans. My experience with them, the 1 time I had an issue, it was dealt with extremely rudely. I was not able to get a copy of my account, though they promised it 3 times (different people making these promises) I have decided to pay off the amount owing simply to get this unprofessional band of rude people out of my life. I will never deal through this group again.