Just got REPO

nooshinjohn

zarrdoss wrote: »

Welcome to the new America, and if we let it, it will get worse!

... It will. The Fed is looking for volunteers for a new project in Chicago. The study will look into driving habits of individuals and how that data can be used to pay for funding road repairs. They are going to fit the cars with a computer that will track vehicle usage... Their ultimate aim is to tax us for each MILE we drive!:eek:

CaligulaPolk

cant do another loan. itd be over my budget... only person to support family and new house now..

AudioGenics

this is from a quick search
so confirmation and verification from a professional is a strong must...

http://www.quickrepo.com/repo-company-tools/repossession-laws/pa.htm

Pennsylvania Repossession Laws



Quick Answers:



Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:



Pennsylvania Department Of Transportation
1101 South Front Street
Harrisburg, PA 17104



Telephone: 1-800-932-4600

Security Interests:

Shown on title held by lienholder.



Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in July, 1954: A copy of the Security Agreement recorded in the county whee mortgagor resides except as to motor vehicles.

Recovery Requirements:

As per the UCC, repossession is allowed and permitted as long as it is peaceful.

Redemption Requirements:

Fifteen (15) days redemption.

Deficiency Requirements:

Judgment note permitted and deficiency is permitted if security agreement so provides.

Special Motor Vehicle Provisions:

Liens must be recorded on face of title and lien statement delivered to Secretary of State. Liens good for five years.

Documents Required to Transfer Ownership of Motor Vehicle:

Debtor's certificate of title; certified copy of agreement; certified copy of the notice of sale sent to the debtor; statement from encumbrance holder.



Documents Required for Liquidation:

1) Seizure Notice, Notarized 2) Notarized copy of contract front and back sides 3) Title odometer statement. The lender acts as the "SELLER" and includes his title next to his signature in both cases. 4) Copy of redemption letter to debtor, notarized 5) Copy of certified mail receipt used to send out the redemption letter, notarized 6) Motor Vehicle Form MV216A (request from your repossessor) 7) Bill of Sale, Notarized 8) Letter authorizing repossessor to sell for high bid and the dollar amount.



Plates:

Remain with the owner / debtor.



All recovery requirements and fees are current as of 2002.

AudioGenics

check this site

http://www.banking.state.pa.us/

i did a search on repossession.
pasted below

need LEGAL expertise !!!

http://www.banking.state.pa.us/banking/cwp/view.asp?A=1352&QUESTION_ID=547599

Section 623 - Repossession

6/09/03
Collection of Attorney's Fees Pursuant to the Motor Vehicle Sales Finance Act
Letter addresses permissibility of attorney's fees in non-legal-process repossessions under MVSFA.
Learn More... (.pdf)

Section 624 - Reinstatement of contract after repossession

07/14/98
Collection of Attorney's Fees Pursuant to the Motor Vehicle Sales Finance Act
Letter addresses permissibility of attorney's fees in non-legal-process repossessions under MVSFA.
Learn More... (.pdf)

07/14/98
Collection of Deficiency Judgments
Letter addresses collection of deficiency judgments arising from motor vehicle sales contracts.
Learn More... (.pdf)

AudioGenics

another article

http://www.banking.state.pa.us/banking/lib/banking/news_and_events/in_the_news/2007/04-06-07_central_penn_business_journal_jennifer_kline-lyman_-_repossession_companies_deal_with_industry_changes.pdf

Retro152

Make's absolutely no sence at all. YOUR VEHICLE, YOUR LOAN, YOUR REGISTRATION, YOUR BANK, YOUR PAYMENT'S, blah,blah,blah. You have no clue as to why YOUR vehicle was repoed? Gimme a break, you cant be that dumb!:rolleyes:



Pat.

CaligulaPolk

i think you havet o live in pa where it all apply? or pay it all including interest

CaligulaPolk

Retro152 wrote: »

Make's absolutely no sence at all. YOUR VEHICLE, YOUR LOAN, YOUR REGISTRATION, YOUR BANK, YOUR PAYMENT'S, blah,blah,blah. You have no clue as to why YOUR vehicle was repoed? Gimme a break, you cant be that dumb!:rolleyes:



Pat.

this is what i said to my wife... only reason its repod becuz its not in state of pa or local of my old hometown.

huggies

First thing, you need to get off here and go find that loan agreement and read it closely. You need to find out where you stand. Getting a lawyer may not really help if they are just exercising their rights under the agreement. Maybe you can find a lawyer that gives a free initial consultation. He might be able to tell you where you stand right off the bat. Without knowing more its hard to say, but it sounds like you might be better off getting the $4500 together somehow vs getting a lawyer and getting the vehicle back. The latter is going to cost you lawyer fees on top of what you still owe on the vehicle.

Sorry to say, but it sounds like you got involved with an unscrupulous dealer/bank.

Um, quick question. Why did they call looking for you in the first place? Payments were up to date, so why would they call? I'm missing something here.

dkg999

There's something more to this story

CaligulaPolk

huggies wrote: »

First thing, you need to get off here and go find that loan agreement and read it closely. You need to find out where you stand. Getting a lawyer may not really help if they are just exercising their rights under the agreement. Maybe you can find a lawyer that gives a free initial consultation. He might be able to tell you where you stand right off the bat. Without knowing more its hard to say, but it sounds like you might be better off getting the $4500 together somehow vs getting a lawyer and getting the vehicle back. The latter is going to cost you lawyer fees on top of what you still owe on the vehicle.

Sorry to say, but it sounds like you got involved with an unscrupulous dealer/bank.

dkg999 wrote: »

There's something more to this story

i feel samething but it is not.. unless they lied or something...
we are going to find that contract somewhere in garage tonite... we are cooking late dinner. im gonna eat and drink beer and calm down for a minute then start looking for the contract...

yes dirty dealer/bank!!

obieone

I REALLY don't get this: Your credit was so bad in Philly, that you HAD to go to Vito's car dealership, but you just scored a mortgage in FL????
Math just ain't adding up to me?

huggies

CaligulaPolk wrote: »

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.

This is what I dont understand. Why were they trying to contact you initially? They had some reason to call you, and when they couldn't get hold of you, they called your in-law. This is a piece of info we need I would think.

CaligulaPolk

obieone wrote: »

I REALLY don't get this: Your credit was so bad in Philly, that you HAD to go to Vito's car dealership, but you just scored a mortgage in FL????
Math just ain't adding up to me?

my credit was not bad in philly. it was in ohio years ago and i worked hard to improve my creidt over the years... then i get **** in the ****..

CaligulaPolk

huggies wrote: »

This is what I dont understand. Why were they trying to contact you initially? They had some reason to call you, and when they couldn't get hold of you, they called your in-law. This is a piece of info we need I would think.

i assumed that lojack was telling them i am in florida.... and cant reach me becuz i just set up new phone number few days ago. I was going to update my contact info and new address with my next bill.and they found out that i moved to florida thru my sis in law... So it doesnt matter anymore...


i personally cant make a phone calls right now. my videophone is not hooked up and would need the tech guy to come and change settings. so my wife made the phone call and its in her name.. i dont have the whole info from that ****. wife only told me what happened..

Face

huggies wrote: »

First thing, you need to get off here and go find that loan agreement and read it closely. You need to find out where you stand. Getting a lawyer may not really help if they are just exercising their rights under the agreement. Maybe you can find a lawyer that gives a free initial consultation. He might be able to tell you where you stand right off the bat. Without knowing more its hard to say, but it sounds like you might be better off getting the $4500 together somehow vs getting a lawyer and getting the vehicle back. The latter is going to cost you lawyer fees on top of what you still owe on the vehicle.

Sorry to say, but it sounds like you got involved with an unscrupulous dealer/bank.

Um, quick question. Why did they call looking for you in the first place? Payments were up to date, so why would they call? I'm missing something here.

Excellent advice.

george daniel

Eh,, maybe they knew about your job situation, could not contact you,located the vehicle in Fla, assumed that you were skipping out? Did you know that "they" were trying to get in touch w/you?I guess at this point, one would choose to re-aquire your vehicle with the least amount of money lost,, have you contacted them?Either way,, good luck,hope that you get it worked out,,best wishes to you and your family.

Retro152

This is beyond Far-Fetched, just keep's gettin better and better. Fess up, ya wanna vent, your pissed, ya missed a payment, we dont care. Hard time's for everyone. Thing's suck right now for everybody.:rolleyes:



Pat.

huggies

Ok, that makes sense.

I'm going to assume that they didn't technically break any laws and were only exercising their rights per the loan agreement, because that would be beyond stupid if they did. Given that, your best option is to find a loan to pay off the existing loan. This should be simple I would think and shouldn't cost you much, if anything. Your monthly bills shouldn't change either since you are paying off the original loan.

CaligulaPolk

george daniel wrote: »

Eh,, maybe they knew about your job situation, could not contact you,located the vehicle in Fla, assumed that you were skipping out? Did you know that "they" were trying to get in touch w/you?I guess at this point, one would choose re-aquire your vehicle with the least amount of money lost,, have you contacted them?Either way,, good luck,hope that you get it worked out,,best wishes to you and your family.

we had talked to this guy (Dealer who was realy nice guy) who i bought from and i told him that i was starting same job in new location (FL) next month and i paid for this month upfront. and it wouldnt be a problem next month. He said it wouldnt be a problem. Now the owner said he no longer working there... I will find out by asking my bro in law to go there tomorrow and see if he still work there. SOMETHING IS NOT RIGHT HERE!!!

there was no reason to contact me except wondering why my jeep is in florida and they repoed it becuase i am in florida. My wife contacted the owner today and he was an ****. saying i cant take out my jeep out of local home or state of pa this was why they repod not becuz iw as late or whatsoever. then he suggested me to buy used baby seat for 20 bucks at yard sale.. that ****!! it doesnt make any sense at all...


no matter if you think i was late behind payment, i wouldnt have this house or the damn thing . im responsible with my bills. My wife said neighbor who works for BMW will help and look through contract first thing in the morning, hes coming over and will help me. he said doesnt make any sense...

CaligulaPolk

I apologize to everyone if i used bad language in this forum.. im venting and upset on what had happened today. you all would if u were in my shoes..

please dont infracted me doro.

zarrdoss

My dad was in the Navy so I grew up on a strict diet of profanity

jimmydep

CaligulaPolk wrote: »

I apologize to everyone if i used bad language in this forum.. im venting and upset on what had happened today. you all would if u were in my shoes..

please dont infracted me doro.

Tough situation, I'm just amazed at how calm you are.

apphd

Sucks Caligula, I hope you have good luck with this. Of course sitting here and reading this lets the imagination run......but it almost sounds like you were set up by this dealer. Never heard of this scam (assumed scam) but it sounds like when you told him you were moving they may have set this in motion with the wording in the loan contract. The guy that sold you the car is probably working at one of the dealers other lots a mile down the road. He gets what you put down and sells the car again. If you can pay it off he will probably also add the repo cost in FL and rollback ride back to PA so be ready for another shocker. Maybe I just watch too much TV and my untrusting nature. I hope for you that it is.
One last thing check with the Better Business Bureau and the PA A.G. office on this dealer to see if he has a history of questionable stuff like this.

CaligulaPolk

apphd wrote: »

Sucks Caligula, I hope you have good luck with this. Of course sitting here and reading this lets the imagination run......but it almost sounds like you were set up by this dealer. Never heard of this scam (assumed scam) but it sounds like when you told him you were moving they may have set this in motion with the wording in the loan contract. The guy that sold you the car is probably working at one of the dealers other lots a mile down the road. He gets what you put down and sells the car again. If you can pay it off he will probably also add the repo cost in FL and rollback ride back to PA so be ready for another shocker. Maybe I just watch too much TV and my untrusting nature. I hope for you that it is.
One last thing check with the Better Business Bureau and the PA A.G. office on this dealer to see if he has a history of questionable stuff like this.

yes they threatened my wife that they will sell the car within 30 days on the phone... so i was thinking.... yeah sound like set up to me. Wife said that at the store they used camera to see who took the car. some dude in red truck got off and went into my jeep and drove away and a driver in red truck followed him. So its not a tow truck that repo'd me. SO iit was obvious that they drove down from PA to repo my car using the copy keys. so it meant they were waiting outside of the house, watching my wife and kid getting in the car then followed them to the store. They had chance to contact me and let me know whats going on at my home instead. but they chose to ambush my wife and our little child at the store!! and leaves with our property. What kind of people does that?


so it also invade my privacy property in our car. We can not find the paperwork in the garage, its somewhere there. Its getting late and we want put this on hold til the morning. We also joked that everyone around here have esclade suv, bmw, hummer, jaguar, nice cars than jeep and time to get new car. just to laugh! but... i still want our car back!!!

AudioGenics

http://www.lemonlaw.com/spotdelivery.html

Spot Delivery, a description which refers to the dealer placing a consumer in a car "on the spot", to get the sale, only to "yo-yo" them back at a later date for additional funds. Played to perfection, a dealer can reap thousands of dollars in unearned fraudulent gain.

searching web for repossesion scams in PA.

have you retained legal representation ?

zombie boy 2000

FWIW... one of my earliest childhood memories is of my single mom fighting over my babyseat as our car was being repo-ed. The guy wanted the car and my mom wanted the seat. A truce was made and she proceeded to stand in the middle of the street with my seat in hand. And so I learned to walk to school...

Interestingly enough, I graduated from college with the dreaded Anthroplogy/Sociology/Philosophy trip maj. First job outta college?

Repo Man.


I feel for your situation, but understand what you're up against. Good luck to you and yours.

zarrdoss

A friend of a friend of mine in Cali went to work for a repo company and his second repo something terrible happened. The owner came out right in the middle and shot the other guy dead, My friends friend went running and went to pursue other lines of work, The guy got off scott free because of local laws and the circumstances, he heard something in the middle of the night and went outside and two people dressed in black trying to steal his car. The guy had a slim-jim and he mistook it for a weapon. The finance Co. never informed him of their intent on repoing it and he was not even 30 days late.

dkg999

Let's take a look at a couple of statements you made:

Dealer is the bank ........... they used copy keys

You bought your Jeep from a dealer that offers their own private financing. Thus, except for some state limits on the interest rate, they can pretty much write their own contract terms, which most likely include a restriction on removing the vehicle from the state. Why ....... because it's most likely a contract only valid in PA. So this is where Dr Laura would ask you if you know that you are screwed. I would find that contract and be asking some questions of the local DA if they could actually cross a state line to enforce the contract, which might explain why they didn't contact you. Once the vehicle is back inside PA, posession is 9/10th of the law. And you either need an attorney or a bunch of out-of-work outlaw bikers, the latter would probably be better and just as effective!

zarrdoss

dkg999 wrote: »

Let's take a look at a couple of statements you made:

Dealer is the bank ........... they used copy keys

You bought your Jeep from a dealer that offers their own private financing. Thus, except for some state limits on the interest rate, they can pretty much write their own contract terms, which most likely include a restriction on removing the vehicle from the state. Why ....... because it's most likely a contract only valid in PA. So this is where Dr Laura would ask you if you know that you are screwed. I would find that contract and be asking some questions of the local DA if they could actually cross a state line to enforce the contract, which might explain why they didn't contact you. Once the vehicle is back inside PA, posession is 9/10th of the law. And you either need an attorney or a bunch of out-of-work outlaw bikers, the latter would probably be better and just as effective!

If thats the case, fly back don't tell them your coming and steal it back!