I just want to make sure I give these snakes the stars they deserve. Obviously they don't deserve any. S/O lost his job due to Covid, we have a newborn, we weren't yet even 60 days behind (40 days to be precise), we called to see if they were offering deferments, whereas most fiance companies have been moving one or two payments to the end of loans to support the struggling community. This company said "No, had you called in May or June we could have done that" WE MADE PAYMENTS IN BOTH OF THOSE MONTHS! Apparently being good customers and making payments means, if anything should happen in the future, we can just go fly a kite. After explaining our struggling situation and receiving their cold response they decided to harass us and repo my S/O's vehicle. 40 days behind on payment, infant child, income reduced by half because of covid. The tow company said they authorized it as a way to try to get our attention and make a payment. S/O had perfect payment history before this, mind you. Joke is on them because we'd rather take the hit on our credit than have anything further to do with such terrible people, we requested S/O's loan officer, Stephen, to call us and we'd make a payment after he confirmed that there was no way to do any kind of deferment. We never received that phone call from Stephen, but he took the time to pick up the phone and call the tow company. We were EVENTUALLY given the name of the repo company and called to see if we could come clean out our belongings including 12 cans of my child's baby formula, the tow company said we'd have to wait the weekend as they closed in 15 mins (this was on a Friday) I went and bought my child another $45.00 Can of formula with money we already didn't have. When we got to the tow company Monday morning the finance company (North State) told the tow company that we were not allowed to take my S/O's tool box, given to him by his now late family member, off the truck. We tried to reason with them and they were absolutely heartless and denied our retrieving the tool box. Funny thing is the "Manager", Michelle at North State in Wilmington was happy to speak with me on the phone when she called me looking for payment on a loan that doesn't have my name attached to it, yet she demanded I remove myself from the call we placed together while at the tow company. Pretty sure she realized how disgusting of a human she was showing herself to be. Both Michelle and Stephen should be ashamed. To those looking to do business with these people please consider my words and my review of this company. North State thought they would receive payment faster from us by taking the vehicle but, again, jokes on them, the truck is worth much less than we owe and would have paid and we will not be paying the difference from what they receive at auction. "Let's take the truck that is only 40 days late on payment, regardless of perfect payment history, maybe that will get them to pay faster!" Haha terrible idea folks. Internet, please do your thing to this awful "business" and keep my family in your prayers along with everyone else affected by covid. read more