Long story I had a loan with One Main Financial. When I got behind they offered me an adjustment of terms. The AOT that I signed had a lowered interest rate 6 % down from 33 % and a payment of {$160.00} down from around {$310.00}. What they did not do was put on the form or tell me that the length of my loan would be extended to 79 months from 60 months. After I made the initial payment and was making a XXXX payment the Rep on the phone accidentally mentioned that my loan was extended. I told them I did n't agree to that and asked them to send me something in writing saying that my loan was extended. They have refused. I explained to them that according to THEIR AOT " Except as specifically amended by this Agreement, all other terms of the original obligation will remain in effect. '' I also explained to them that I was under the impression that it was like student loan forgiveness and I would have never agreed to the months being extended that long. They have predatory lending practices. I still ( 4 months later ) have n't been able to get in writing that my loan was extended to 79 months. They tell me refer to my " original contract ''. I keep telling them that 's the problem, the original contract says 60 months. They refuse to give me any kind of documentation. Furthermore they claim they have a phone call with me agreeing to the 79 month term and they have already reviewed it. Every time I try to speak to someone who 's listened to this phone call or try to talk to someone who can discuss this with me they threaten to put this on my credit. No one wants to help me get to the bottom of this they only want me to send payments. I 've talk to nearly every supervisor or manager in the company to no avail. Not only can I not get the agreement in writing but I ca n't get any one to discuss the so called phone call that they have. 
