Just got REPO

CaligulaPolk
CaligulaPolk Posts: 1,650
edited August 2009 in The Clubhouse
Muthafu--er!!! I am really pissed off. My jeep got repossessed. No i was not behind my payment but i just was told that my jeep can not be out of the state which i just moved to florida. I had spent lot lots of money on that damn thing since i bought it for my wife. Now the dealer wants me to pay upfront balance of 4,500 dollars within 30 days or hes selling it for same price as he sold to me... Also they took everything what was in my jeep and is bringing it to PA right now in some tow truck. Guy was **** on the phone said that i can buy baby car seat at yardsale for 20 bucks when i paid 200 dollars for that seat. Said i would have to go to pa and pay for the car and get my stuff........ They repoed it at the store where my wife and my baby was at. they were waiting because they couldnt get pass gate in my home area. There was no notice or whatsoever that we would know about it. We just paid this month bill before we moved..
On the phone he also said that i cant take a vacation using my jeep anywhere out of PA.. is he fu--king kidding me???


I m gonna read the contract and its ****... What should i do? I told her that we are getting a lawyer..
I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
Post edited by CaligulaPolk on
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Comments

  • Sherardp
    Sherardp Posts: 8,038
    edited July 2009
    I don't know where you bought that jeep but I don't wanna shop there. Since when is it forbidden to travel in a vehicle you're paying on. That's sucks bad, and yes get a lawyer.
    Shoot the jumper.....................BALLIN.............!!!!!

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  • Face
    Face Posts: 14,340
    edited July 2009
    The laws vary from state to state, but in NY, they're not allowed to sell or discard of your personal possessions that were left in the vehicle.

    How did they know you moved? You didn't receive any warnings beforehand? Something doesn't add up here.
    "He who fights with monsters should look to it that he himself does not become a monster. And when you gaze long into an abyss the abyss also gazes into you." Friedrich Nietzsche
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    fu-- up was that i traded in my mustang...... now i wish i never did!! M-F

    Never once was late on my payment....

    face they called my sister in law becuz she was on reference on the application. NO WARNINGS AT ALL!!! BOOOOOOOM JEEPS GONE AT THE STORE leaving my wife and baby stranded for hours... She thought our jeep got stolen and called the police.
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • cnh
    cnh Posts: 13,284
    edited July 2009
    Caligula,

    Sounds like B.S. to me! When you say your jeep do you mean a "lease" because there wouldn't be any other way of 'preventing' a buyer from driving his car to another state! I used to have insurance and bought a car in Pa. before I came up to Maine. I still owed about 4 grand on it....but I drove it up here for 2 or 3 years before I decided to stay in Maine (Kept my Pa. License, insurance and registration and inspection during that time). So I was out of state for a lot longer than you were! But this wasn't a lease. That's why I'm wondering, that sounds pretty 'nutty' to me....and completely outrageous that they didn't give you notice or let you get your personals out of the vehicle!!

    Yeah a Lawyer for sure.

    cnh
    Currently orbiting Bowie's Blackstar.!

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  • george daniel
    george daniel Posts: 12,096
    edited July 2009
    I don't understand,,, why were you not allowed to take it out of state? And,, how did they find it,,lojack,or some tracking device?

    From Flodida,back to Pennsylvania,, folks must be serious,and pretty damn good to track it,,I still do not understand why though. Good luck,, that is a bummer.
    JC approves....he told me so. (F-1 nut)
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  • SKsolutions
    SKsolutions Posts: 1,820
    edited July 2009
    Who was the lender?
    Who was the dealer?
    -Ignorance is strength -
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  • BaggedLancer
    BaggedLancer Posts: 6,371
    edited July 2009
    That's gonna be one hell of a tow fee....
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    I dont understand why i cant use my jeep anywhere out of state??? yes the bank still own it, but i bought it and paying for it. I traded my car and paid few thousand dollars as deposit 8 mos ago. It doesnt make any sense...

    Chevrolet place in warminster. the guy i bought from is no longer working there and he was fired apparently few days ago...
    yes i think they tracked it via lojack or gps. Its not a lease.. The owner personally ordered repo...Guy was not cooperating with my wife on the phone. we both moved here because my plant was closing and has job open in tampa. My wife lost her job thats why we moved here to save our necks.. now we lose our jeep, its my only way to go to work.. this is **** ****.. because if i stayed in pa, we would lose our home, our life and jeep as well.. so there would be no win win situation in my case right now... this is BS!!!

    sorry for bad laguage im really pissed off
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    baggedlancer wrote: »
    that's gonna be one hell of a tow fee....

    i aint paying for it!!
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • BaggedLancer
    BaggedLancer Posts: 6,371
    edited July 2009
    If it's financed and you're making the payments what's the big deal about where you go with it?
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  • tcrossma
    tcrossma Posts: 1,301
    edited July 2009
    If you took out a loan with the bank, the dealer gets paid by the bank and that's the end of the transaction from the dealer's point of view. Something doesn't add up here...
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  • george daniel
    george daniel Posts: 12,096
    edited July 2009
    tcrossma wrote: »
    If you took out a loan with the bank, the dealer gets paid by the bank and that's the end of the transaction from the dealer's point of view. Something doesn't add up here...

    +1 Is there something about this purchase that you have overlooked? Typically,after you have signed the papers,and the deal is done,, the dealer could care less what you do with the car.
    JC approves....he told me so. (F-1 nut)
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    nothing is adding up right now.. this is fishy and i m angry about it. IT shouldnt be not matter if i go anywhere with it unless im behind payment... I Should be notifed before they take the jeep... if the owner called my sister in law and he shld asked her for our phone number that we can be reached. NO PHONE CALLS OR LETTER saying that ic ant take jeep out of the state..

    I never heard of that i cant go anywhere which im paying for the jeep??????

    my family doesnt either.. we will tak to a lawyer tomorrow.. more more more more more more more money for me to pay for...... IM DAMN BROKE, i paid a lot money to move here, haul my jeep and paid lots money on the house recently.....

    now this ****... more more more money!!! IM SOOOO PISSED OFF
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • zarrdoss
    zarrdoss Posts: 2,562
    edited July 2009
    When you buy a vehicle its yours, titled and registered in your name and is put up for collateral if you bail on the loan. The ONLY way they can legally repossess it if you were late on payments or your insurance did not meet the requirements of the loan agreement. Cant move out of state or even take it out of state? what kind of crap is that? Never heard of such BS. And NO they cannot keep anything that was inside the vehicle that was not bolted down or hard wired in. Report all your belongings inside the car as stoled, and also get a lawyer.
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  • nooshinjohn
    nooshinjohn Posts: 25,447
    edited July 2009
    Some banks have clauses in the purchase agreement where they can demand that a vehicle not leave the state for the purpose of permanent relocation. Some will allow it with written permission, and others need no form of notification at all. Chances are the lender has no representation in Florida and excercised their option to reposess. Banks can deem moving a vehicle out of state as potential fraud, and with the economy in tatters, they are getting a bit jumpy.

    Under no circumstance are they allowed to take your personal effects. I am not certain on this but I think there are Federal laws regarding that part. The bad news is that the only person allowed to recover personal items are typically the registered owner(s), and that may not be worth the flight to PA. If they do not give back your stuff I would sue them for theft of your property.


    Best option at this point is to get a lawyer, and a new vehicle before the repo has a chance to hit your credit, as it surely will.
    The Gear... Carver "Statement" Mono-blocks, Mcintosh C2300 Arcam AVR20, Oppo UDP-203 4K Blu-ray player, Sony XBR70x850B 4k, Polk Audio Legend L800 with height modules, L400 Center Channel Polk audio AB800 "in-wall" surrounds. Marantz MM7025 stereo amp. Simaudio Moon 680d DSD

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  • zarrdoss
    zarrdoss Posts: 2,562
    edited July 2009
    Were you financing it through the dealer? Sometimes they will do it just to sell something. Also if you do not clear this up it will go down as a repo on your credit.
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    its not fair if my credit is affected by this BS

    i paid on time, i dont like people **** with my credit.. i worked hard to resolve my bad credit history in the past with my ex gf... i worked hard years years to solve this and now i have to deal with this....

    I will report my stuff got stolen...
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • Face
    Face Posts: 14,340
    edited July 2009
    For now, take it up with the bank, not the dealer.
    "He who fights with monsters should look to it that he himself does not become a monster. And when you gaze long into an abyss the abyss also gazes into you." Friedrich Nietzsche
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    Face wrote: »
    For now, take it up with the bank, not the dealer.

    The car owner owns the bank and dealership. He owns few banks in philly. this was how i got approved.

    my wife actually did the whole buying thing because it was for her... i just willing to trade my mustang and my money as deposit. i paid 6000 dollars deposit plus my mustang value.
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • dkg999
    dkg999 Posts: 5,647
    edited July 2009
    You bought it at the buy-here/pay-here dealer where they hold the loan, correct? I'm going to guess you need to read the loan agreement.
    DKG999
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    dkg999 wrote: »
    You bought it at the buy-here/pay-here dealer where they hold the loan, correct? I'm going to guess you need to read the loan agreement.

    Nope... i will tonight but its somwehere in box in garage.....


    my point is if i m behind payment and they find that im in florida behind on payment, id understand why they repod and they never gave me warning and they just took my damn car with personal things in it. that i will need it a lot. im pissed becuz my psp is in there and my cell phone and everthing i needed to use.

    i am mad becuz i just paid new alternator and new tires
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • kawizx9r
    kawizx9r Posts: 5,150
    edited July 2009
    You know to be honest, the only tihng I can think of CaligulaPolk (which is what happened to my ducati monster) is I lived in California, and I purchased a Ducati out in Arizona with very very low miles, well I brought it over with me and was going to do the title x-fer in a Ca. dmv, they said I couldn't blah blah that it had to have a certain amount of miles because it was considered "new" and it would've been illegal for me to have driven it in Ca. They said I was lucky I wasn't driving around and didn't get pulled over or something because they would've taken my bike away. Probably not what happened in your case but that's all I can think of....
    Truck setup
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    For Sale
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    heiney9 wrote: »
    Any clue how to use the internet? Found it in about 10 sec.
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    plus my final payment is only few months left to paid off... i think maybe 6 to 10 mos left to go..... this is rip off!!
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • kawizx9r
    kawizx9r Posts: 5,150
    edited July 2009
    Take a loan from the bank? I don't really know what else to say, that's total crap that they did that to you I mean, look at the situation your family was put in when they took the jeep suddenly....I hope everything turns out ok.
    Truck setup
    Alpine 9856
    Phoenix Gold RSD65CS

    For Sale
    Polk SR6500
    Polk SR5250
    Polk SR104


    heiney9 wrote: »
    Any clue how to use the internet? Found it in about 10 sec.
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  • zarrdoss
    zarrdoss Posts: 2,562
    edited July 2009
    Welcome to the new America, and if we let it, it will get worse!
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    kawizx9r wrote: »
    Take a loan from the bank? I don't really know what else to say, that's total crap that they did that to you I mean, look at the situation your family was put in when they took the jeep suddenly....I hope everything turns out ok.

    Im tapped out right now, i just had loan for the house and i ve spent over 15k this month. Was thinking about paying it off next month or two with fat check i am waiting on within 30 to 60 days. was gonna buy speakers and stuff.. now the **** happened... i dont know what to do... i guess i ll have to pay lawyer and stuff to get it back... the owner said i hve 30 days from july 1st so i have few days left now.... probably wont make it

    im furious becuz my wife was stranded with my baby in hot weather and she had to walk home ( about 6 or 7 miles)
    she just had spent money at store (stuff was in car) she stopped to get a medicine at walgreen and didnt have enough cash for cab and there are no bus service around my home. police wont take her home....
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • AudioGenics
    AudioGenics Posts: 2,567
    edited July 2009
    can you designate a "proxy" that will represent you in Pennsylvania ?

    I do not know.

    If possible then it may alleviate some travel pressures that would otherwise be required.
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    jvc wrote: »
    can you designate a "proxy" that will represent you in Pennsylvania ?

    I do not know.

    If possible then it may alleviate some travel pressures that would otherwise be required.

    i dunno and i will find out.. yes gonna cost me more money and pressure!!!! I cant enjoy my time off from work until next month.. MFERS!!!
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

    My Home Theater Rig || Television: 58" Panasonic TH-58PZ800U Viera Plasma || Power Conditioner: Power Monster HTS 3600 MKII || Receiver: Onkyo TX-SR805 || Blu-Ray/Gaming: 60 Gigabytes Playstation 3 || Amplifier: Emotiva XPA-5 || Fronts: Polk Audio RT800i || Center: Polk Audio CS245i || Surrounds: TBA|| Subwoofer: TBA
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  • Sami
    Sami Posts: 4,634
    edited July 2009
    If you have good credit, can you do a low interest rate balance transfer from a CC and pay the Jeep?
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  • kawizx9r
    kawizx9r Posts: 5,150
    edited July 2009
    That's what I was thinking of saying but I said bank instead cuz my bank offers 0 interest loans for up to like 10k for me? maybe 15 not sure
    Truck setup
    Alpine 9856
    Phoenix Gold RSD65CS

    For Sale
    Polk SR6500
    Polk SR5250
    Polk SR104


    heiney9 wrote: »
    Any clue how to use the internet? Found it in about 10 sec.
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