What, if anything, is your experience with One Main Financial?

Just curious. I recently surrendered a vehicle that I had re-financed with them because it was falling apart. The repairs needed to make the car functional, which was going to eventually include a new engine, was more than the actual value of the car. I had re-financed with them to get a better rate, and had paid them $17K over the two since I did the original re-fi. The car was never worth as much as the re-fi was, but I needed a car, and I am not a mechanic, but I had a few places that I could go to for help that didn't overcharge me, so until the car REALLY started breaking down, at least I was breaking even (in retrospect).

So late last year, I started getting offers from One Main Financial to re-fi, again, to an even lower rate, with subsequent lower payments. Never one to turn down a lower payment, I went for it. Only this time, every time I turned around, there was one issue after another. A crap ton of miscommunication ( I would be told different things by different people) followed by several extra payments, followed by having to call corporate. Then on top of everything else, my car got broken into, which my insurance didn't cover, and I got slammed out of pocket for that, As well as the burgeoning engine problems. It got both ugly AND expensive.

I was blessed to be able to procure another vehicle. All I had to do was make the payments. I will admit that I hate the payments, but the trade off is I will not have any maintenance costs for the life of the loan, so six in one hand, a half dozen in the other.

When I went to surrender the vehicle, One Main Financial lost it's ever-loving mind. They tried not to take the car back (wouldn't give me information on how to surrender the vehicle, got REALLY nasty with me over the phone, refused to talk about ANYTHING other than me continuing to make payments, etc), then when they finally made an appointment for me to surrender the vehicle, were absolutely rude when I came into the office, harangued me for an hour that I was still required to make payments, would not allow me to leave the office until I agreed to continue making payments on the car I was surrendering, then would not allow me to leave the car there (it was near closing, and they weren't sure when the car would be picked up. BTW, I ASKED them all of this BEFORE I made the appointment) and I had to bring the car back the next day when they were open. I missed a half day of work to do this BTW.

So my current quandy is this: They sat on the car for two months before they sold it at auction. The car was only worth $5500, which is what they sold it for. Now they are demanding $11K for the difference in what I owe them on the re-fi. They already have $17K of my money + $5500 that they sold it for on a car that was only worth $5500 to begin with.

The lesson I learned in all of this was that places like Drive Time and One Main Financial specialize in loans that will NEVER be paid off because all you are paying is extremely high interest because you are desperate, and you have no backup, or anybody to help you out.

I am also curious to know if there is anyway to get out of this with my already damaged credit not taking any more hits.

PS: I KNOW I MADE MISTAKES!!!!! This is about trying to rectify, if at all possible. And getting rid of the newer car is NOT an option. This is also considered a voluntary repo, and will absolutely destroy someone else's credit. I am trying not to do that.