. I was told by XXXX XXXX not disclose anything issue to Westlake Financial when i purchased the car. The following day, the car was n't working properly. 

2. My car has not worked at all since XXXX XXXX, XXXX - I purchased the car on XXXX XXXX, XXXX. 

3. Westlake Financial knowing knew thereafter about the problems as I disclosed to Westlake. They said, there was nothing they can do. 

4. In XXXX XXXX and in XXXX XXXX, they promised to forgive the months and offered to put the payments in the rears. I just found out, they reported those payments late and have not forgave the payments, Instead, accrued interest. 



5. Yesterday, i attempted to trade my car in. When the dealership ran my VIN number, they uncovered there had been odometer fraud prior to my purchase and that my car was XXXX miles over what the car stated. Westlake Financial knew of this issue when they ran the car fax and did not disclose to me upon their due diligence interview with me. 

6. Fees have been accessed for returned payment. There has been no returned payment as bank sent a letter for forgiveness to to account fraud. On 2 separate occasions, I set up auto pays and Westlake confirms the auto pay then without notice, rescinds the auto pay, therefore you are late and must pay all fees. 

7. Today, I spoke with the Collection Supv. and he stated I needed initiate litigation with the dealership and ended the call. 



Please provide full retail trade in value to the new dealership ( TBA ), forgive debt on dishonest collection processes as required The Consumer Collection Bureau, Remove all fees and other charges, Remove past due payment from all Credit Bureaus and establish new loan with a lower interest rate. 
