Just got REPO

1356

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  • mmadden28
    mmadden28 Posts: 4,283
    edited July 2009
    Name the dealer! Maybe I'll swing by and see what they can sell me. I'll check out they're scrupulous methods and see if they have your Jeep on the lot while I'm at it.

    I really don't need to say it again, but something is seriously amiss. I would think that the dealer/lender would have at least had to contact you prior to taking any action. That is some serious Bounty Hunter crap they pulled; to pay somebody to drive a tow truck all the way to FL then back up to PA, for what? Now they are not getting their monthly payments.

    Not only that but to leave your wife and kid in what could potentially have been a life threatening situation? That's just srewed up right there. What did your wife do when she discovered the car missing? Did you or your wife call the police and report it stolen? How did you find out that the lender repoed it? I also can't believe that the police wouldn't have offered a woma and her child a ride home--what the hell kind of town did you move into?

    If all is as muffed up as you say it is--this unscrupulous dealer definately has to be exposed to the major news venues. Even if they were allowed to do what they did based on wordig in the contract, then the method needs to be exposed. I hate the sly tactics used. I say expose them all--let those POS businesses go under and let the honest businesses that are closing up remain open.
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  • xj4094dg
    xj4094dg Posts: 1,158
    edited July 2009
    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.

    +1 for reading the contract. Banks do have protections in contracts which can require the customer to notify the bank BEFORE leaving the state with THEIR collateral. I'll bet this is the case here. Check the contract. Sorry about your trouble but this may help some of us...

    Good luck...
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  • bruss
    bruss Posts: 1,039
    edited July 2009
    zarrdoss wrote: »
    My dad was in the Navy so I grew up on a strict diet of profanity

    here here


    If your credit is decent why are you dealing with the likes of these guys..
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  • muncybob
    muncybob Posts: 3,032
    edited July 2009
    As a former repo man myself(many moons ago!)....it's like what has been said. It's all in the contract. Will be interesting to learn just what you did sign AND if it's a "legal" contract. Sounds like to me you absolutely need a lawyer if you don't understand the contract 100% and you probably will need a lawyer to get the vehicle back based on your dealings with these a-holes. Even if you have some sort of "wild" & legal contract you still have the right to redeem the vehicle and you certainly have the right to your personal property. Is there anybody you can trust in PA that you can establish as your financial Power of Atty.?
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  • AudioGenics
    AudioGenics Posts: 2,567
    edited July 2009
    The owner of that car is really the bank (or whomever granted the loan) until that LAST payment is made.
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    my wife found list of lawyers and she gonna call today.
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

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  • leroyjr1
    leroyjr1 Posts: 8,785
    edited July 2009
    CaligulaPolk wrote: »
    my wife found list of lawyers and she gonna call today.


    I hope everything works out for you.
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  • PhantomOG
    PhantomOG Posts: 2,409
    edited July 2009
    how weird... Was this a used jeep? What was the purchase price? Do shady used car dealers actually spend the money to lojack every car?? I thought that was expensive.

    Something just doesn't add up at all. Sounds like the contract you signed and subsequently lost was something you should have never signed to begin with. Good luck.
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  • AudioGenics
    AudioGenics Posts: 2,567
    edited July 2009
    more tidbits found on internet (previously posted url)

    Pennsylvania Department of Banking Rules
    apply to third party transactions.

    If a lender is directly repossessing its own collateral
    it would NOT need to be licensed

    "STATE" license collector-repossesor
    questions / complaints 800-722-2657 (number may only be good in the calling PA area )

    recommendations are also to formally file a police report with all details and items descriptions
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  • vlam
    vlam Posts: 282
    edited July 2009
    Like other stated, look at the contract. If the lender and is the dealer, anything is possible. There are lots of "shady" used cars dealer out there with their own financing.

    Anyone watch the show "Operation Repo". The episode with reposessing the hearse was funny.
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  • shack
    shack Posts: 11,154
    edited July 2009
    dkg999 wrote:
    There's something more to this story

    Doug is right...there is more here than meets the eye.
    vlam wrote:
    Anyone watch the show "Operation Repo". The episode with reposessing the hearse was funny.

    Having repoed a few cars early on in my career...I know the business.

    That show is about a bunch of morons posing as repo men/women. They make legit repo companies look like pillars of the community.
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  • disneyjoe7
    disneyjoe7 Posts: 11,435
    edited July 2009
    This story is odd, something doesn't add up for sure here.


    But it sounds to me the Jeep is worth more then the $4500 owned on it, so repo'n it would be in their favor. Now if the Jeep was worth way less then the money owned on it, would we talking about a shady dealer in PA?

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  • leroyjr1
    leroyjr1 Posts: 8,785
    edited July 2009
    You've just been Overhauled:D



    Where's Chip Foose????????????????





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  • NotaSuv
    NotaSuv Posts: 3,849
    edited July 2009
    disneyjoe7 wrote: »
    This story is odd, something doesn't add up for sure here.


    But it sounds to me the Jeep is worth more then the $4500 owned on it, so repo'n it would be in their favor. Now if the Jeep was worth way less then the money owned on it, would we talking about a shady dealer in PA?

    X2.. there is something that isnt being told here............there is a reason why the dealer spent quite a bit of money to haul this used Jeep back home...did you ever find a copy of a contract ? now this I would keep in a place that I could find it right away...moving or not......it is a legal document and all your important papers should all be together at all times....and you should know where they are at all times...in case of...................
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  • Mike Reeter
    Mike Reeter Posts: 4,315
    edited July 2009
    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.[/QUOTE]

    So,the Jeep is titled and registered in the wifes name? With her sister as a co-signer? Your name on the Title anywhere?
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  • engtaz
    engtaz Posts: 7,663
    edited July 2009
    I really hope things work out. So sorry to hear about it.
    engtaz

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  • AudioGenics
    AudioGenics Posts: 2,567
    edited July 2009
    Not sure how the title process works in Pennsylvania or its transfer to Florida

    but you usually do not get the title until all the liens and finance payments and fees are free and clear with the Bank or lender (also any penalties that need to be resolved )

    Registration is with the Motor Vehicle Administration which is a different and separate
    requirement.
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  • lightman1
    lightman1 Posts: 10,788
    edited July 2009
    I walked up on Jeff, pinched his his **** and walked away like nothing happened. He didn't suspect a thing.






    or heard it.
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  • WilliamM2
    WilliamM2 Posts: 4,771
    edited July 2009
    jvc wrote: »
    Not sure how the title process works in Pennsylvania or its transfer to Florida

    but you usually do not get the title until all the liens and finance payments and fees are free and clear with the Bank or lender (also any penalties that need to be resolved )

    Registration is with the Motor Vehicle Administration which is a different and separate
    requirement.

    In Michigan, you get the title, but it has your name and the banks name on it. Once paid off, the bank signs off, and you are issued a new title.
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  • disneyjoe7
    disneyjoe7 Posts: 11,435
    edited July 2009
    In Florida the title is sent too you after the note is paid off.

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  • huggies
    huggies Posts: 149
    edited July 2009
    So, whats the update on this? Have you found and read the agreement yet?
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    My wife spent all day talking to lawyers and they will get back to me tomorrow. They dont think they should repo it in first place. They will go thru the contract and let us know tomorrow.

    also it was good thing we always paid the payment on money order and we have stubs.
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  • cnh
    cnh Posts: 13,284
    edited July 2009
    Hope that works out for you...nice offer by mmadden28 above! Sounds like legal council will take care of this!

    Good Luck...

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  • tcrossma
    tcrossma Posts: 1,301
    edited July 2009
    CaligulaPolk wrote: »
    also it was good thing we always paid the payment on money order and we have stubs.

    Christ, what kind of financial institution are you dealing with here? By the way, a check or credit card would afford the same level of receipt trail; a canceled check or CC statement is just as much proof as a MO stub.
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  • CaligulaPolk
    CaligulaPolk Posts: 1,650
    edited July 2009
    I always use money order so i know for sure bills are paid. I dont trust credit card. I learned hard lesson in the past years ago...
    I am 100% BORN DEAF and No I am not kidding! :D Why am I here? My wife's hearing! :p

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  • AudioGenics
    AudioGenics Posts: 2,567
    edited July 2009
    banks do not give you back the cancelled checks anymore
    so you end up having to pay to get copies.

    i would not want either my credit card information or checking account information
    be in the hands of a car dealer that I am having issues with.

    I think that having some proof, confirmation, verification that the dealer received payment - some dated receipt of payment received or even signed by a authorized person representing the dealer is very important.
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  • mmadden28
    mmadden28 Posts: 4,283
    edited July 2009
    In PA, you don't get the title until the loan is paid in full. That's been my experiece thus far anyway.
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  • hearingimpared
    hearingimpared Posts: 21,137
    edited July 2009
    jvc wrote: »
    banks do not give you back the cancelled checks anymore
    so you end up having to pay to get copies.

    i would not want either my credit card information or checking account information
    be in the hands of a car dealer that I am having issues with.

    I think that having some proof, confirmation, verification that the dealer received payment - some dated receipt of payment received or even signed by a authorized person representing the dealer is very important.

    My bank doesn't charge for copies of cancelled checks. As a matter of fact, I can print them online if I wish.
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  • AudioGenics
    AudioGenics Posts: 2,567
    edited July 2009
    It is the credit union (not bank) that I am with.
    I needed copies and they wanted a few dollars but when I strongly emphasized that I was an excellent customer the representative gave the copies to me gratis.

    I still needed to prove that the payment was received and accepted by the other party
    and took more time.
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  • tcrossma
    tcrossma Posts: 1,301
    edited July 2009
    jvc wrote: »
    banks do not give you back the cancelled checks anymore
    so you end up having to pay to get copies.

    So what? In the rare event that you need to produce a canceled check as proof of payment, I think most people would be able to sport the couple bucks for them. And as was stated, they can usually be downloaded for free, and many banks don't even charge for hard copies.

    jvc wrote: »
    i would not want either my credit card information or checking account information be in the hands of a car dealer that I am having issues with.

    I don't necessarily disagree with this, but it's the bank that you're paying, not the car dealer, and not only does the bank already have all of your personal information and could really wreak havoc with your life if that was their intent, but if you don't trust the bank that you're dealing with then you should have selected a different bank.
    jvc wrote: »
    I think that having some proof, confirmation, verification that the dealer received payment - some dated receipt of payment received or even signed by a authorized person representing the dealer is very important.

    That's what a canceled check or CC statement proves.
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