I first took out a loan with Consumer Financial Services. I unfortunately was going through financial difficulties and was unable to make payments. Consumer Financial Services then sued me, which I understood. Once the garnishments went through, I realized I was unable to afford any day to day expenses and my other bills, so I had went to Consumer Financial Services to work out an arrangement. The owner, XXXX, agreed to refinance my loan including my collection costs and put my payment at XXXX. He advised my employer that we had worked out an agreement and to stop the wage garnishment. My employer was unable to comply, so he then took advantage of the situation. XXXX first told me that he would apply the payment that was due towards my new refinanced loan from the garnishment checks and he would reimburse me of the remainder if I was current on my loan. When it came time to reimburse me, he decided that he still did n't trust me and kept the garnishment and told me he was going to keep me two payments ahead even though the agreement in writing did n't state that. I went into Consumer Financial Services to speak with XXXX directly and advised him that I was unable to afford making twice the payment on a monthly basis and that 's the whole reason I made arrangements with him. XXXX then told me that he did n't care, he does n't trust me, and I do n't deserve the funds back to me. I have a written contract with him refinancing my loan and that did n't matter. He then used foul language and was extremely unprofessional. I then started crying, being so disrespected and frustrated and he told me to stop XXXX crying and I 'm annoying him and if I say another word he would n't give me any of my money back and just put it towards the loan. I have never been so disrespected in my entire life. 
