I received a car loan through ford Motor Credit in 1993 for my first car. I had the car for one year and i sent a payment that was 76.00 short with a letter stating that I would pay the remainder in two weeks when I got paid. A gentleman from FMC called my employer and told him that I was short on my car payment. I returned his call and he began to cuss me out and call me many obscene names. Needless to say i returned the car back to the dealership because I refused to do business with a company with such poor collection tactics. I have been telling people about this for many years. PLEASE DO NOT DO BUSINESS WITH FORD MOTOR CREDIT if you don't want this to happen to you.