<prompt> Human: I need some advice. I have left 99 of our family finances to my wife and have just recently got involved after I found out where we were as a family. My wife has an auto loan out through WSECU who have been very frustrating to work with. My wife was behind a couple payments on her car and made arrangements with a phone rep to make a payment. The day she arranged to call, wsecu THEN told us we couldnt make a payment and that we had to send in a load of paperwork so that they didnt repo her car. A lady gave us until friday to submit paperwork and gave us her work email to submit paperwork. We submit the paperwork thursday and asked that they call us when they received it. No call. I call yesterday and the first lady had quit. We resubmit paperwork but they didnt get to it and now we have repossession fees on our vehicle EVEN THOUGH they didnt come get the car. Im really needing advice on what to do here and if I have any recourse on dealing with these turds since they seem to be not taking good notes and keeping no record, recorded phone conversation or otherwise, of when we talk to their agents.  <response>: Go into the credit union and sort this out in person. In general, I would cut out the attitude you exhibit by calling people turds. The reality is that this only came up because of your failure to meet a contractual obligation for months. They have not been helpful in helping you to resolve your failure to do as you promised, but you are throwing stones in a glass house pointing fingers as the party 95 at fault here.Go in, say that you know this is your fault this happened originally but you have had a lot of trouble with reaching different people who cannot help, and offer to make payment. If they cannot resolve it ask to speak with a manager. EDIT: I said you in my post repeatedly, but in most cases I should have been referring to her. 