In XXXX XXXX, my wife and I secured a loan with Wells Fargo Dealer Services for a XXXX Scion xD. In XXXX XXXX, I became unemployed. My wife and I were able to continue regular payment until late XXXX, after my unemployment was exhausted. I finally secured part time employment XX/XX/XXXX, and finally full time employment XX/XX/XXXX WFDS did defer XXXX payments XX/XX/XXXX, but we have still struggled through XXXX. Our car was repossessed in XXXX XXXX. We explained the situation to WFDS, and were able to borrow money to reinstate the loan and catch it up until XXXX XXXX ( although we were under the impression that it was caught up to XXXX XXXX ). From there, we were unable to make the next payment XX/XX/XXXX ( XX/XX/XXXX per their records ), but were able to pay {$400.00} XXXX ( a full payment ) and another {$300.00} XX/XX/XXXX, with the next payment stated due XX/XX/XXXX. However, XX/XX/XXXX within 6 months, and the vehicle just over 2 months past due, WFDS decided to repo the car again, and is now demanding full redemption to get our car back. We were quoted {$10000.00} before XXXX or the car is to be auctioned. WFDS is unwilling to negotiate. In fact, their staff has been mostly uncaring, rude, and condescending. 
