I recently had my car repo’ed.?
So I recently had my car repo’ed because the lady I had talked to on the phone about my car straight up lied to me. I was behind a payment on my car loan ($214), and it was getting really hard to pay because I had to pay bi-weekly and I was really ripped off becuse I was paying $365 a month for a 2003 Dodge Neon. Anyways, she said that when a loan is 28 days late, then they come to repo the car. And I basically asked her what it would take to not repo it. This was last Tuesday when I had talked to her. I owed $214 plus another 182 to bring me current. I asked her if I made my car payment (182) plus $100 on the 3rd if they would not repo it and then I would just pay the remaining $100 or so the following week. She said if I paid $182 plus $114, then they would more than likely accept that. So I said, okay. So I figured everything would be fine and dandy. I got a letter on Saturday stating that if I didn’t bring my account current they would terminate my loan, sue me or a combination. I figured it was just a standard letter since I had spoke to her the same day the letter was printed off.
Well, I leave to go pay my car payment on Tuesday and my car is gone! She straight up lied to me! So I go in there and talk to her about it and she said that she told me that I had to bring my account current before the 31st because they couldn’t allow a deliquent account to carry over into the next month. Which, my step dad was sitting RIGHT there when I asked her, because he told me to ask her if they’d accept $100 on top of my regular car payment. She wouldn’t even accept the payment I was going to bring her. She said I would have to pay $396.50 plus the $100 repo fee. And if I don’t pay that in 10 days, then they sell my car to an auction and if the price sold at the auction doesn’t cover the amount of my loan (6600), they’re going to sue me for the rest (yeah, good luck with that. I’m a recent college grad. I don’t have ANYTHING. That car was my only posession).
Anyways, I desperately need a car. My credit isn’t absolutely horrendous. What are the chances of me being able to go to another buy here/pay here place, explain to them my situation and try to get another car that is cheap? I just need a car to get me around. I mean, I held up my end up the bargain, Auto Credit USA did not do the same. Its not like I was refusing to give them money. I tried to go in there and pay them, and she said it was out of her hands now.
There’s still a small chance my dad might be able to come through and help me get my car out of repo so I can at least have a car to use as a trade in and get a different car and get out of that loan. I don’t want to be a customer of a company that’s going to lie to me.
I was going to be in management when I bought the car, plus I had no credit at the time and didn’t have a co-signer, so I kind of had no choice in the matter.
Also, I couldn’t pay the bill because I was going to school full time and was only working part time and then my hours at work got cut from 35 to 10. Shit happens. Life happens. The economy is in the shitter right now. I didnt pay it because I didn’t want to. There was nothing I could do. My hands were tied. My parents were paying my car for me and they could only do so much.
When I say I held up my end of the bargain.. I mean that me and the lady agreed that I would pay 182 plus 114 on the 3rd and she said that was fine. But she totally went against her word.
