Like everyone of these complaints I've been taken by this company too! I've been paying $400 a month on my car for 3.5 years. I want to get rid of it so I can get a newer car. They've reported I correctly to my credit and they refuse to fix it. I've only been late twice on my payment and they informed there is no grace period and they can repossess if it's one day late. I learned I'm now $7000 upside down on my loan to car value .. I called to see if they would work with me to get rid of this payment and the lady was extremely rude. They ALL are Everytime you ever have to deal with them. I had one lady who called my work every 5 minutes threatening me to "make the damn payment" and hanging up the phone. Apparently this is how their trained. I still have 2 years to pay I was Informed today. For a total of another $10k. She Informed me I'm getting charged $150 a month additional interest. I was told by other financers that 24.97% interest they charge is illegal. What can I do legally?? Has anyone opened a class action lawsuits against them?

Nicholas. I do not mean to drop this on you but you seem to be the only one who make sense to me. I had an accident on May 21st it is now June 20. It has taken over a month to get my car in for repairs. My agent (if I can call him that) hs not contacted me once to see how we are doing. I a, seriously thinking about changing insurance companies. Pardon my typing I am no very good at this.
I needto know if I have unsured mortor est . Some one called my passenger and told her we did not have medical insurance. Then who is going to pay for the medical bills and the ambulance The bills are starting to com in.I was wondering if the other guy has insurance?A little help from your end would be a great deal of help. Thanks for your time. If you call me make late in the afternoon. I am gone all mornings. Pam Horton

I had a total lost with my car it happen the morning after my car payment was do. I called Nicholas financial gave all the correct information. I start receiving rude phone calls asking for a car payment on a total lost car I asked if they could hold off to see what the insurance company do. I receive lot's of aggressive calls from Cindy. they told me that I had to pay $900 and something for what I don't know car payment was $319 I told them that I could see myself paying that amount and that I will make a payment when I can. they repossessed the lost car with my personalized plates, and put repossession on my credit when they got paid in full by my insurance also gap insurance. they are no difference from the mob it's so sad to kick people when they are down dirty devil's

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$9,000 dollar truck, after paying $500 a month for over a year, never late and, even though I had my insurance agent contact them twice, they still charged me for Lender forced insurance. I put $3,000 down when my mom passed away she left me$5,000 to pay off my truck. My brother sent it to Nicholas financial. When I called and asked if I still owed anything they said $12,000.... Now I don't have anything.

I previously paid off an car with the company so naturally when I went to get another company they suggested to use the same one! Big freaking mistake after 2 years of payments I owe more than what I orginally owed when I purchased the car. They are adding more fees and I was late one month and they called 20 times a day! They don't allow refinancing and they have hidden fees. They are a scam company. Please do your research on them. They even have showed up at my door and put notes on my car. Pure harassment! I can't wait to trade this car in and get a new company.

I am still paying on my care now on my 3rd year and they are stating that i still owe $12,000...which was the price that it was when i started paying. Extra fees have been added but thats ok because tax time or sooner, I will be getting another vehicle. RIP OFF

I advise anyone who is thinking of getting loan through Nicholas DO NOT! I'm 11 days late paid for 2 years they sent me a letter stating I'm 2 months behind mind you my payment isn't due til the 10th. It's not even the end of the month so the second payment they are saying I'm behind on isn't even due yet. The local office here is of no assistance they are rude and will not work with me. I've tried calling corporate numerous times now and all the line does is ring. This is a predatorial loan company. They tack on extra charges and will threaten to repo your vehicle after 3 days of being late. Please do not use them!

I have 2 more payments on my 5 year loan. OR SO I THOUGHT. They are now telling me I have 6 due to forced insurance. I have PROOF that the vehicle was fully insured but due to an error on the insurance companies part by not listing Nicholas as a lien holder, they still want me to pay. I agreed to pay 1 extra payment but that's not good enough. My excitement to finally pay my last 2 payments is none more. They won't work with me but instead told me to make my last 2 payments and then settle the remaining forced insurance payments which they told me would go against my credit. Thanks for being a 5 year customer!!!!

Lied about amount we owed n repoed our car. We were not behind n payed for 6 yrs . Also adding extra charges.

Loan through these idiots. Payments made for 5 1/2 years. Claiming we were 1389.22 behind. We have made $280 payments for these years. Repoed car saying late n over due.

Stay away from Nicolas Financial! They claimed we didn't have insurance when progressive sent proof and i faxed info so they started charging 1400 more every 6 months to loan repo once 1 day after making payment. Vehicle is crap broken down in yard and they haven't applied at least the last 6 payments we have made to loan. Rude..... they lie and call everyone u may be related to or know and obe rep named Rob in Jacksonville St Johns Bluff office even told my husband he would beat his butt if he came to pay loan. What the heck? If they are your only option for a loan u are better off paying cash for a car! $10000 loan in the end was going to be $26000. Waiting for repo to come and they will have to drag it out since they broke front end when they wrongfully repoed it the first time. Done with these crooks. If they sue us we will file bankruptcy because i bought a car cash. Dont need these crooks!

This is the worst company to deal with after 2 and a half years of paying car payments and having insurance they make up that you do not have insurance and take your car I would love to be part of the class action lawsuit this is ridiculous that they can get away with this I even sent them all my insurance stuff from my company but they still interested that I had no insurance and their office manager is flat out nasty she is on a power trip and thinks your suppose to just kiss her feet and owe her your life just because she is financing a car for you well not happening

NF does not want to finance cars they want to make most money out of you.
They make false statements to the credit bureaus and repossess your car even when you are current on your payments.
This business is not worth your business. Stay away.
I am taking legal actions as they are not following any business or legal protocol.
They are completely ignoring your correspondence and always have to talk to you over the phone so nothing is in written.
Don't do it and immediately take it to court.
I also involved the BBB but guess what they are not even accredited. No wonder.

Dealing with this company is a NIGHTMARE! I deal with a woman named Jane. From day one she has been extremely rude to not only myself but my friends and family as well. If I'm a day late she's calling my family, friends, even my boss and leaving rude messages with all of us if she cant reach me. I'm not allowed to answer calls at work and told her this but yet she still does this. I've never been more than 3 days late she acts like im not going to make the payment and threatened to repo the car FOR BEING 2/3 DAYS LATE!!!! not to mention I bought a lemon that is under warranty but the warranty people find a way to say repairs are not covered so I have to pay out of pocket for repairs.... I told Jane this is why I was late the 2 times. Just terrible company terrible people

The office manager, Ms. B., is one of the rudest persons one could ever deal with. I know that when creditors are owed money, they are expecting payment. Well, I made a payment on behalf of my daughter and dropped it into their night deposit box. They told me that there was no record of the payment nor had it been received. Okay...well, if I get a refund from the money order then I will pay it. Instead of talking about it to resolve the issue, she barks, "Well if you are so broke, just return the car". I am not one to argue, but I just wanted to resolve the issue, but she did not want to. I think that she is disrespectful and I pray for her soul. I hope she never has to have the "Job Experience" in life because if she does, she will receive the same treatment that she is giving out and know how it feels to be treated in this manner. Praying for God to bless her and change her attitude!

Nicholas financial preys upon people who have to use them. It isn't just because of bad credit that people use Nicholas Financial, It is also because people who don't use credit much have no alternative when they have a need for capital. They claim their collection and account management expertise lets them make money in the sub prime loan categories. Indeed. They make mistakes deliberate or unintentional, which adds even higher charges to an already very costly loan. Little things like misplacing insurance coverage information, or claiming not to have received either from the debtor, or the insurance company. Their other favorite tactic is to claim not to have received a payment only to discover they credited it in error to another account, then not refunding the late payment fee (You are completely at their mercy) nor correcting what they reported to the credit agency. (they want to keep their subprime customers after all)
Don't use these people unless you simply don't care what is done to you. The law is on their side, and who can afford a lawyer? I mean, if you have to use these crooks, surely you cant afford a lawyer without taking out a loan.

Administrative errors, or intentional strategies to charge people more, only Nicholas Financial knows. I know what has happened to me though, and I don't believe it was unintentional.

"Nicholas Financial", is a financial company that I would not recommend anyone to use for financing a car. Before financing a car with this company you should review their customer service complaint board. It appears that this is not a good company to do business with. I have had my car close to 2 years and within that 2 years I have never been late on my car payment. Will one day something important come up. I call Nicholas Finance to let them no I was going to be late and why. The person start be rude and nasty towards me, not only was the rude. The company start talking about Repo my car and I wasn't even 30 days late. The company was calling me leave nasty voice mail, the repo guy was riding around looking for my car. I wouldn't recommend this company to any one.