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1.0

I got a motorcycle in 2014 under my name for my brother. I received some calls from them the first couple of months about late payments and I would remind my brother to pay for it.

But last year(2015), my brother was behind on his payments. Which I had no idea because Sheffield didn't call me! I found out the same day, the bike was repossessed. My brother called them to sort things out but because the bike was under my name, I had to call in.

So I did... and they told me that in order to get the bike back, I had to pay for 2 months that he's behind, repo fee and other charges (around $2,000, I believe) I was very upset because I didnt want it to affect my credit. I told them I will call them back. So I decided to pay that amount and keep the bike for myself because my brother is irresponsible.

I called them back within 1 hour and the same lady I spoke to picked up. This time, she was rude and was having an attitude. I told her I want to pay for it and get my bike. She told me if I want the bike back, I would have to pay off the bike ($10K+ for the bike.

plus other fees and charges) I asked her why?? she told me MY BROTHER called in and cussed at them for "trespassing" onto his yard when they got the bike. I said to her, that's none of my business what he said to you. The bike is mine not his so why is she taking it out on me for something a 3rd party said.

She didnt want to talk to me after that and told me to pay that amount. Which I couldn't because I dont have that kind of money. I called in a few times trying to work things out but they wouldnt work with me. Next thing I know, they auctioned the bike.

Sheffield is terrible! They're unprofessional and I am sure what they did to me is illegal. They repo MY bike without any notice. They allow a 3rd party whose name is not even on the bike to call them and say whatever they want to them and then take it out on me!

I don't know why I didnt do anything about this sooner but I will take legal action. BEWARE OF THIS COMPANY!!!!

Reason of review: Poor customer service.

Preferred solution: Let the company propose a solution.

Sheffield Financial Cons: How they handled things.

Location: High Point, North Carolina

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Guest

I believe the loan documents and law would state that you cannot obtain the loan for the equipment for someone else. If you wanted to get your brother the equipment and not ruin your credit then you should have paid bill on time and then got your brother to pay you.

It is really funny that the majority of these complaints are made by people who didn't honor their contract and did not pay their loan on time. If you pay according to note then you will not have any issues with any creditor.

Guest

you have a contract with them that under the law they need to follow Get some legal help Do you have a free legal aid where you are Sometimes law colleges also offer aid for free so students can get some experience Check around and take the contract you signed to them Sounds totally illegal and immoral I also suspect these comments are posted by their workers!!

Guest

with all this said, why are you upset with this company and not your brother? you say they didn't call to let you know he was behind on payments, neither did your brother.

Guest

Hey bottom line you have to make the payment on time every time they dont care about some bull-*** story.

Guest
reply icon Replying to comment of Guest-1135447

What *** story? That they didn't give me, THE OWNER, any notices about late payments and repossession?

And took MY bike and wanted full payment on it because someone else (whose name is not even on the bike) "insulted" them?

Yeah... THAT'S ***

Guest
reply icon Replying to comment of Guest-1135528

There's always an excuse. It sucks, but you signed the contract.

I would of been having my brother pay me the money for the payments. This finance company doesn't owe you anything.

Chances are they lost money on you with the repo and selling the bike at auction. They are not in business to lose.

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