EasyFinancial

Easy Financial will not share my account information with me after numerous requests over a two month period. They claim to offer me a new repayment plan and act as if they are negotiating with me only asking me to make a good faith payment - yet they keep shuffling me to a new agent who threatens me of legal action because I have not made a payment during this time.

But they are GoEasy is the reason I have not made a payment - not telling me how much or when to pay. Easy Financial has offered me a new repayment plan but will not clearly present the terms of this plan to me. I have asked them many times to send me the terms of their offer and the details of my account so I can consider whether to pay the whole account off in one lump sum or if I would rather take their offer of a new repayment plan. They just will not send me these details so I can make an informed and appropriate decision.

They wont give me the details of my account nor the terms of this plan they are offering and this runaround is the only reason I have not made any other payment. Also, every time I request information about my account they don't respond and then a new agent contacts me starting from the beginning all l over again threatening me with legal action again and acting as though I am late on paying and will go to collections but they are causing the late payment status by telling me that they want to get me on a new repayment plan and have only asked me for a good faith payment at this point. They are passing me off to a new agent every time i request any information about my account or their supposed offer to me.

It has been impossible to have them share any clear details with me and instead of presenting info to me they send me a contract to sign with a 48 deadline with no advance notice that will show up in my inbox while i am camping out of internet range so even if i wanted to sign a contract I would not be able to. They are either incompetent or steering this toward legal action.

13 months into a $10600 loan with $275 bi weekly payment I now owe $10600 still even though Ive paid roughly 30 payments equaling $8250: thats right then they wanted me to resign so I could replay this glorious year on my loan with a refinance they would be looking at over 50k by the time this loan is gone. They do this using non optional optional insurance, and deferred payment which they will advise you is a good thing you can utilize once without much harm and they also will charge late payments where you werent late then deferr the principal of said late payment

Onto your loan and accumate interest on it every single day till you owe more than you ever even borrowed.

All without calling you and refusing to give you the information directly when you do ask for it in an effort to continue this vicious cycle on you until you are smart enough to realize it is happening. At this point they will insult you in every way they can!

I own my house, car, and I have good credit, but I could not get a loan at the time from a bank even though I make over 6 figures a year.

I called Easy Financial for a loan because I accumulated debt when I was in between jobs during covid.

Easy Financial approved me for aprox $6,700K, and I was grateful.

Later an email came from Easy Financial, stating that they were transferring my account to the Slave Lake location; something that I did NOT approve or request. Slave Lake is a small town, not a big city like Toronto, Montreal or Vancouver, so I knew that transferring my information would create gossip in town, and it did.

Now people know my business which is NOT professional.

I called Easy Financial to close the account, but the Easy Financial representative suggested that I keep the loan for a bit longer; and I did.

Someone from Easy Financial in Slave Lake called to ask if I wanted to increase my limit. They said that no credit check was needed and it was an internal gift from Easy Financial. The lady said that they just need to check that there were not NSFs in my account.

I said ok, completed the prescribed "access to my account" link; however, Easy Financial in Slave Lake NEVER got back to me.

I called and they said that they would call me back, and they did not. This was weeks ago.

While in the airport on Nov 29, 2021, I called Easy Financial in Slave Lake again concerning the increased amount that was going to be given to me.

They said that my loan application was closed, as there were notes on my file that said that I did not want to provide information.

I told the Slave Lake Easy Financial representative that no such conversation occurred, and that nobody had called me. Also, I was asked if I was a waitress or flight attendant because I was in the airport. That question had no relevance. I'm freaking PhD, and I am beyond insulted.

The question posed only made it clear that Easy Financial has a stereotype about who their clients are. I applied for the loan because I need temporary help, not profiling.

On Nov 29, 2021 a prescribed "access to my account" link was sent to me once again. This seemed a bit intrusive so I did not fill out the form. I was going to call Easy Financial in Slave Lake in the morning; however, they called me at 9:30 am MST on Nov 30, 2021 to tell me to complete the form and everything is fine.

On Nov 30, 2021 I completed the prescribed "access to my account" link was sent, and Easy Financial in Slave Lake later called to tell me that they can grant me an increase of $900.

I was so upset that they wasted my time, while I was working to tell me that I could get a $900 increase.

I had to walk out of meetings to speak to Easy Financial in Slave Lake only to be told of a $900 increase. I own a home worth $500K, a car, an RV and I have good credit. The fact that I was willing and able to pay for they loan in less than a month after getting the loan speaks to my earning capability. In addition, RBC said that Easy Financial did 6 hard credit checks which are now affecting my credit with RBC and with the credit bureau.

I am seriously not impressed.

Please keep in mind that i have every phone call and email documented.

Question for your Management Team

As I have been courteous enough not to go to post this on social media, How is Easy Financial going to rectify the problem?

Best Regards,

N. Rose