Payment Process

I too currently have a loan with the on my 2004 Chevy Cavalier. My payments are always on time, but somehow are always late. When I initially started making payments, I would do it online, but since they started charging $12, I could no longer afford to do that. I also at one time had them taking it from my account which would not require a fee. I terminated that for my own personal reasons & never had a problem with them taking money without my premission. I questioned more than one person who specifically states "payments are processed by an outside company. The payment date is the date the payment was processed and not when the payment was received. It takes 3 days to get from Florida to California and about 1 to 2 weeks for them to process my payment. They claim they have more than one client to process payments for & I stated to them that there is not one individual there who processes more than one client at a time. I don't agree with their practices at all. I will be done with this loan come August 2012. I hope to not have to deal with them again.
I am open to joining a class-action lawsuit if one should be filed.
lms54723739@yahoo.com