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repo

Date: Sat, 06/16/2007 - 22:50

Submitted by anonymous
on Sat, 06/16/2007 - 22:50

Posts: 202330 Credits: [Donate]

Total Replies: 6


Got to get this off my mind so I will post it here.....Thursday night around 9:00 some huge man was knocking on the door, when I opened the inside door he asked if I was------, I said yes, and he said he was here to repo my car. My $15,000.00 car that I have been faithfully paying on monthly and sometimes making double payments. except for Sept and Oct of 2006 when I had surgery, and called the bank and it was in agreement that I would tack on some extra cash to my regular monthly payments to catch up. Three weeks ago I got a letter from someone at the bank who took over the accounts, as the one guy retired, it said either pay or turn my car over. So I called this new guy and explained what terms I had with the old guy and the new guy said "well, as long as you are making an effort to pay those 2 months that you missed off". I just sent them 300.00 this last Monday, which got my loan down to $500.00. Evidently this new guy was trying to earn some brownie points and did a sweep of the files and any and all who were behind, no matter the ammount, had their cars repoed! Soooo, after finally getting the loan down to 500.00, I now had to come up with that AND $380.00 for the repo charges, 30.00 to the repo place to clean my car out, which was already cleaned out by me before they took it, BUT I left my gym bag in there and in order to get that back I had to pay 25.00!!!!! to the repo place, plus 20.00 to the repo place for car storage for the 13 hours it was there, plus they said they had to put in 20.00 in gas when they drove it from here to there as it was low on fuel, (mind you when I got it the guage was on E!!!!!!!) They said they put all fuelings on their credit card, so no one would know if they did or not! So after being so proud of myself for getting the loan down to 500.00 I had to come up with almost double that for all this crap! But I got my car back! AND I don't owe anymore! And I want to kick that new banker in the rear!!!! I got took! He is out of the office till Thursday, and I almost had to wait till then to get my car as I was told he was the ONLY one who takes care of this type of thing, but after I talked to almost every banker in that bank, I finally was able to find someone who did the paper work so I wouldn't have to pay storage fees and who knows what else until Thursday! Pretty wild! I feel better getting it off my mind, thanks for the listening,(or reading) :)


This does seem a little ridiculous. Several issues come to mind.

1) I cannot exactly quote any laws on this, but I have several "do's and dont's of reposession"-type books in my office. If a bank sets a precedent of letting your account run in arrears for several months, then they should not just up and repo the car because they feel like it. Their actions and past performance have indicated that they were okay with your delinquency. Their agents also led you to understand that your account was in good standing as long as you were sending a little extra with each payment. These two characteristics do not justify the taking of your collateral. If you were to file a complaint in court, probably as a tort claim, I think a judge may side with you.

2) In regards to charges, I think they improperly added bogus charges to your account. Every state is different, but here in Illinois $300 is the max I can charge for a repo. Period, no additional gas charges or clean-out-your-car charges.

A) They should not have been cleaning out the car unless they were intending to sell it. They have to give you 21 days to redeem before they can even think about selling it. So you should challenge the $30 cleaning fee on the grounds that they were in no position to sell the car yet.

B) You are entitled to any personal property inside the car. If I repo a car, I have to send a letter to the customer stating they left personal property in the car and that they have a right to come to my office and get it. Under no circumstances should they be charging you to get your personal property back.

C) Storage fees -- maybe they are legal in your state. But not in Illinois. Look up your laws and see if they are allowed to charge you a storage fee.

D) Gas is all on them. It's not up to you to fill a tank just for the repo guys. Maybe they should have used the tow truck and tow it instead of driving around in it. They should not be charging you for gas.

So you've got several complaints. In the least, they should only be charging you the going rate for a repo and not all these extra bogus charges. But I think you have sufficient grounds to dispute the whole repo and get all those charges reversed.


lrhall41

Submitted by DebtCruncher on Sun, 06/17/2007 - 08:00

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Thanks for taking the time to post on this! The state is Nebraska where I bought the car, and the repo was from Nebraska, I am living in Iowa. There was a big sign saying something like: because you didn't pay, we went and got the BANKS car. Then we cleaned out the BANKS car. Any items found in car belong to the BANK. If you want those items YOU pay the fee to get them from the BANKs car.
It went on and on about the BANKS car.....
It's pretty wild, and I will start calling in the morning to see if I can get any answers, but the guy who takes care of this is out till Thursday....wonder when I will get the title! :) All this, and was only 500.00 from pay off!


lrhall41

Submitted by on Sun, 06/17/2007 - 21:32

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what about comeing in your job can they come on your job


lrhall41

Submitted by on Sat, 02/14/2009 - 18:20

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