Ok here is my story with Ford.
So back in 2003 I had purchased a 2003 Kia Rio from Rosemurgy motors (now out of business, also promised services at a discounted rate that were never honored). I had lost my job in 2004 but found another job that paid very little but enough to put money in for the car, I eventually found another job that made more money and was catching up. I had one final check in the mail to catch up what I was behind when Ford motor repossessed my car, or tried to (they could not find the car because I moved). They also took my Co-signer to court. I had a 5 year loan with Ford Motor Credit and the final payment on the loan was made in 2006, I was 1 1/2 years early (I always pay more then the minimum payment).
Now today, I have sold the Kia and bought a smart car. However there was an undiscovered filing fee of $5 with marathon city clerk that was not paid. They need a letter of satisfied judgment from Ford motor Credit because a letter stating there is no interest or lein on the vehicle is not enough (from a previous time spending hours on the phone with them). So I called Ford Motor Credit trying to get to someone that could help me get this form to bring in and pay $5. After hours on the phone talking to several people They told me I need to go talk to my cosigners lawyer and get another form to send to them in order to get the letter of satisfaction from Ford motor credit to bring to marathon county to pay the $5. Also they have no record of me ever buying a car from them and cannot find the account by my name, social security number, or the VIN of the car.
Because of the attempted repossession of the Kia, and taking my cosigner to court knowing the final check to catch up was in the mail I always kept them informed (not to mention calling me six or more times a day every day starting at 8am) Ford motor credit has lost my business for life, and I will not buy a ford car either.