Comments on: Know your legal rights regarding vehicle repossession

By: Kevin

Kevin — Wed, 02 May 2012 13:21:06 +0000

What can i do if a repo man has stolen personal items, including money from my vehicle, and threatened me with physical and legal threats when i confronted him?

By: lisa

lisa — Wed, 11 Apr 2012 00:02:59 +0000

Hi everyone I have a repossession/bankruptcy issue im lookin for advice on. My husband and I filed ch 13 2 years ago and last Aug. had to stop the b.k. due to my lossing my job. We had a vehicle that we wanted t9 keep so our lawyer adviced to talk to credit union(abri) and do what they instructed. We went in back in Aug before b.k. was even dismissed to let them know ahead of time and was told wed be getting new payment book within 10 bus days. In sept we stll hadnt gotten it so my husband went in again. In Oct. we got a late notice so I called and was told we were $55 past due and payment of 460 was due in a week. The next day my husband took in $55. That day the lady called back and said we didnt owe anything right now….tat they were”waiting for discharge papers”. In nov. I called again and she said still no pay. due and still waiting on discharge. In dec. I got a letter saying they had court date for Jan so I called back worried. I was Told the court date was to remove theyre name from ch. 13 since they hadnt gotten discharge letter yet and not to w9rry that after the court date then we could get back on payments. The day after the court date I called and now was not able to talk to that lady again!! Another women said I owed 4 months of payments and that a repo habeen issued aleady! I said was could pay the $2000 …wed just been waiting for them to say we Owed something!! Then it was 2 days of talking to my b.k.lawyer and 4 different people at credit union before we were told that the b.k. hadnt been discharged yet like it was supposed to! And that we owed $5000to $5500 to stop the repo because of attorney fees for the court I tried to avoid by calling in dec. about!!!! So we obviously didnt have that money so vehicle repossessed….the trucks blue book is $14/15000. We owed $5800 on loan when repoed. Wtf!!! I am curious if anyone have any advice……plus after finding out we were still in b.k. After all….why were they even talkung to me every month for MONTHS about my car loan….isnt that against b.k.laws??? Pleaaaassse help…..Lisa.

By: Jennifer

Jennifer — Sun, 18 Mar 2012 15:29:04 +0000

I have a question …..I live in Tennessee & my car that is financed through Toyota financial is almost paid off.well I been about 3 months behind 4 a good 6 months well I paid the 3 months n February & about a week later my car was repossessed. I got it back after a few days but I had 2 pay 4 a rental car reinstatement fees storage & towing fees 2 get my car back after the fact i paid my car note current & a week later it was repossessed. Is there anything I can do about that?

By: Eric

Eric — Thu, 01 Mar 2012 04:53:54 +0000

Here is my problem… my vehicle was repossessed by Wells Fargo Dealer Services back in October of last year due to about $600 behind payments, I got the vehicle back early November after paying almost $2000 in fees, past due, future due, storage fees, and anything else they could think of. Now they are coming after me claiming I still owe $600 in fees, BUT they refuse to send me an itemized bill of what I am paying for, they do not have any paperwork on file and I have to fax them everything that I have, and are being extreme.y rude and disrespectful to myself and my family when I am away at work… what do I do?!

By: gene

gene — Tue, 03 Jan 2012 06:01:25 +0000

My truck was just repoed i was one day late . thats not the big problem. A few days ago i filed a ins. claim cause i hit road debri. my claim was granted and im recieving the check tomarrow. since the check is in both my name and sorry ass car dealer, and it was just repoed, what do i do with the check?

By: Neeners

Neeners — Fri, 30 Dec 2011 01:44:37 +0000

Hello,
am having a hard time getting the pay off date to my car from A L Financial, I had calculated January 2012 as my last payment but they are telling me I have AROUND or APPROXIMATELY 8 more payments, I asked when the very last date of payment is I am not getting an answer, they tell me to call back when I make my next payment with an answer for that, I do and they are never prepared and they blow me off. Please help.
Thanks,
Neeners

By: Terry

Terry — Thu, 29 Dec 2011 17:59:53 +0000

I am so sick of banks and repo people saying you shouldn’t buy a car if you can’t afford it. They shouldn’t loan it if we can’t afford it. They have been irresponsible overcharging for homes and cars! They claim no responsibility to re-negotiate a fair rate! Come on we are in a tough economy. They deserve every dime they get screwed out of.

By: Cion

Cion — Fri, 14 Oct 2011 20:01:43 +0000

Hello nice site
I would like to ask you guys, I had a loan and loss my job 2008. this payday loan keep calling me and sending this mail from their lawyer I owed $3000. which accumulate a;ll the interest. now I went to court myself to show what I got. they said dont, worry you dont have any judgement.I’m afraid they might took my car since its already paid off. I am getting frustrated. Pls I need help.
Kind Regards
Cion

By: monica

monica — Fri, 23 Sep 2011 06:23:38 +0000

I WAS financed thru a bank and i was 40 days behind I was on my way to western union the payment to catch me up when a repo guy came from the car dealership where i purchased the car and said he was there to repo thae bank had sold my contract back to the dealership is that possible i was not notified that my car was sold back to the dearlership tell today

By: Marcus

Marcus — Thu, 01 Sep 2011 13:42:58 +0000

On Aug. 20th I was 3 months behind on my payment & explained & arranged that i would receive money on my birthday on Aug. 27th. On that day the ford credit representative noted that i would make the payment current. On Aug.26th at 2am i receive a loud knock on the door. There is a man in a tank top with shorts wearing flip flops. Long story short i get dressed go down to my truck which is already hooked up. So i explain that i have a agreement with Ford to pay the following day & i ask him for the paperwork. He becomes very nervous & yells quote “that he does not have to show me shit” So where standing in front of his truck that was running & i reached in and took his keys. Then i said i am calling the police & he said the same thing. The police arrive & the driver shows him some information & the officer explains to me that he has the right to take the truck. So i hand the keys back to the driver & everyone leaves. The next morning i call ford & ask what happened to our agreement? They would not talk to me & said that i must only speak to the redemtion team. They did not answer so I left a message. About noon that day i get a call from the towing company of the manager scraming and dropping F bombs right & left, Saying that i really screwed up & that i am going to pay for what i have done. Repeatingly telling me that he wants those F—ing keys. Also said that i have assalted his driver & that I will not get my truck back & nor will i get my belongings. So hang up with this crazy person representing the repo. co. & I tried to get back with ford. Finally I get a call from the top manager of this department & he tells me because I assalted the driver he is going to charge me the max. pay off plus all other charges that the repo co needs to add… in order to get my truck back. He also told me that there was a police report, that claimed that i assaulted the driver & was arrested, resisted arrest, that i fled the scene & i got a ticket. None of that is or was true. He said he was going to reconfirm everything & if i was lying all of what he said will stand & if the repo co was lying than he was going to fire them. I have reconfirmed with the police no report was ever made. & after 9 phone calls to ford i have not received one call. My sons 3 year olds car seat & all of my pressure washing equipment was in that truck. On top of all of that they still have not told me how much its going to cost to get it back. PLEASE HELP!!!