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When I lost my job and was trying to keep a roof over my family’s head every other financial institution I deal with was more than happy to help me delay payments, pay interest only or something to give me time to get back on my feet. Toyota could do nothing to help me. I missed two payments because of this. The next month I made a payment for my outstanding balance. Because of this I will never use them to finance a loan. I will only work with companies that have a heart and are really looking out for my family. They run a business and I understand that. But I don’t have to do business with t