In December when I got out of the hospital things were frantic around here with finances due to me being IN the hospital. I called my car loan place and asked them if I could do a deferment to put the December payment onto the back of my loan. I had never missed a payment or been late so they said yes. They sent me some papers to sign and send back to their office. I did this. Then in January, I called and made my normal payment on my normal 1-800 number that was in my payment book. No problem...no mention of any problem. In February, I called to make a payment and my 1-800 number in my payment book was disconnected! Now this is a major financial institution. I finally looked online in a panic and found a number for them in PA. I called and they told me the branch I had been dealing with had closed in mid December! So I made my payment and made note of this new number...but still no mention of any other problems. Now come March I get a bill in the mail with my remaining loan amount, monthly loan payment...and it says I am a month behind! I immediately call these people and pay my March bill...or what I claim is my March bill...and try explaining all of the above but they state that they are in the midst of changing offices again and I will need to talk to someone else about it. Their records dont show what is going on...maybe someone just didnt document my file from the southern office! So now I get a phone call from them again saying I am late with my March payment and I try to explain...oh the woman I need to talk to isnt in but I can make a payment if I'd like. No I wouldnt! I want to get to the bottom of this. Deferred means deferred. Im sorry, I am on a fixed income and I cant afford to fix this. If he had said no I would have s**cked it up somehow back in December but he said yes. The only real proof I have of this is there is a fee that they charge for the deferrment and I have that proof of payment. The papers that I sent back...well they have them..I failed to copy them...sigh...blame it on being just out of the hospital. I realized my mistake about a week after I sent them just how stupid that was. But I wasnt even driving then.