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Started By
Message
re: Seeking advice from fellow OT baws about repo men. UPDATED FOR THOSE WHO DON'T CARE.
Posted on 10/5/17 at 6:01 am to cave canem
Posted on 10/5/17 at 6:01 am to cave canem
quote:
Unless the lien holder signed off on the title it is worth less than the paper and ink to you.
Not exactly. Louisiana is an E title state.
If he has a title for the truck... Chances are like 99:1 he owns it.
1
Posted on 10/5/17 at 6:01 am to Chiefagain
Do you live in a title holding state? In a title holding state, you have the title, but you still have to pay your loan. The lienholder sends you a notarized lien release once it's paid off.
Is the lender listed anywhere on the title. If so, do you have a notarized release of the lien?
Is the lender listed anywhere on the title. If so, do you have a notarized release of the lien?
Posted on 10/5/17 at 7:16 am to Chiefagain
Sounds like OPs lease was up and they accidentally mailed him the title. Now he's ducking the finance company by using his friends address.
And all these questions he's answering with additional bits of info would be helpful in the OP.
I guarantee it's more than the repo man was accidentally sent to get his truck.
And all these questions he's answering with additional bits of info would be helpful in the OP.
I guarantee it's more than the repo man was accidentally sent to get his truck.
Posted on 10/5/17 at 7:20 am to CaptainsWafer
You called and they said you owe money. Did you not clarify how much and for what?
Posted on 10/5/17 at 7:41 am to NoSaint
quote:
You called and they said you owe money. Did you not clarify how much and for what?
No shite.
And my other question is why did he even include the part about his mail being delivered to friends house, blah blah, don't trust city mail, blah blah? All it did was give him more "trashability" and make it seem more like a troll thread. It'd be like telling someone you had a flat tire on the way to work, but also stopped at McDonald's before that...it's irrelevant to the main point of the story/post. Let's just mark this up as dumbass/troll/thread
Posted on 10/5/17 at 7:44 am to Chiefagain
quote:Lease? You don't get the title after paying your lease term. You have to continue making the monthly payments or give the truck back.
I have title in hand and all bank statements proving my 48 month lease was paid off
Posted on 10/5/17 at 7:46 am to Chiefagain
quote:
I leased to own. Financed through the company.
Lease to own? You better check that "title" out.
Kinda weird that you'd qualify for a 7.5% "lease to own" contract but you couldn't qualify for a regular loan. Hell, 7.5% is kinda high for a regular loan these days. With any kind of credit score you can get that rate.
My call: We're not getting the whole true story here.
Posted on 10/5/17 at 7:51 am to Chiefagain
(no message)
This post was edited on 11/8/20 at 9:46 am
Posted on 10/5/17 at 9:32 am to X123F45
quote:
If he has a title for the truck... Chances are like 99:1 he owns it.
Not in my experience. I took a loan out from Regions to buy a car. The state mailed me the title. Regions called about the same time asking me to send it on over. I’m sure there is language in the loan saying that if the title isn’t sent, the loan will be defaulted.
This post was edited on 10/5/17 at 4:45 pm
Posted on 10/5/17 at 9:36 am to cave canem
quote:
Unless the lien holder signed off on the title it is worth less than the paper and ink to you.
The title is signed by the company. Showing that they sold the truck to me. Title, and bill of sale are all signed by the company. I just have to go to the DMV and get the title switched over in my name.
Not dodging anything. 48/48 payments were paid along woth a closing cost fee.
I emailed said bitch and she is stating that they are unaware of any repossession action being taken.
This is one fricked up situation. Thats why I seeked the OT's thoughts.
Posted on 10/5/17 at 10:12 am to Chiefagain
all of this sounds a little too trashy for me. i'm gonna move on to another thread.
Posted on 10/5/17 at 10:37 am to Chiefagain
(no message)
This post was edited on 2/17/25 at 5:59 pm
Posted on 10/5/17 at 10:38 am to Chiefagain
Doing his job. Pay your bills loser
Posted on 10/5/17 at 10:42 am to Chiefagain
quote:Probably a payment was processed late or some fee you didn't pay. How much does she say you owe?
No. Its a well known company. 7.5% interest. First vehicle i ever bought and had very little credit to my name.
Also, a lot of those places have GPS and remote shut off. I guess you disabled yours?
Posted on 10/5/17 at 10:46 am to Chiefagain
What are the chances your friend is F'ing with you and the Repo truck never actually came by?
Because OP you sound pretty fun and easy to screw with.
Because OP you sound pretty fun and easy to screw with.
Posted on 10/5/17 at 10:49 am to Chiefagain
quote:
Options?
IF you have the vehicle title in your sole name , and they repo it call the cops, They have committed grand theft auto PERIOD.
edit, oops didn't realize some states work differently , my advice only applies in states where the lien holder doesn't keep the title until the lien is paid.
This post was edited on 10/5/17 at 10:51 am
Posted on 10/5/17 at 10:52 am to Chiefagain
quote:
Thats why I seeked the OT's thoughts.
Fine.
We think you're trashy.
This post was edited on 10/5/17 at 10:53 am
Posted on 10/5/17 at 10:52 am to Zappas Stache
quote:
proving my 48 month lease was paid off.
But, it was a LEASE! you don't own the damn thing. They probably not only want the truck back but the title too.
Posted on 10/5/17 at 10:59 am to Supermoto Tiger
How the frick does a grown arse adult in this country not know the difference between a lease and a lien on a vehicle?
If you leased a vehicle and the leasing agency accidentally sent you the title on a vehicle you didn't purchase, you don't get to just keep the vehicle OP. Good grief.
Also, as others have already pointed out, getting your mail at your "friend's house" is not just weird, it's downright bizarre.
If you leased a vehicle and the leasing agency accidentally sent you the title on a vehicle you didn't purchase, you don't get to just keep the vehicle OP. Good grief.
Also, as others have already pointed out, getting your mail at your "friend's house" is not just weird, it's downright bizarre.
Posted on 10/5/17 at 11:40 am to HeyHeyHogsAllTheWay
"IF you have the vehicle title in your sole name , and they repo it call the cops, They have committed grand theft auto PERIOD."
Actually, it would not be GTA. A clerical error resulting in a repo is a civil matter since there would be no criminal intent. Unless there is some weird plan between a person at the finance company and the repo company to actually steal the vehicles and drive or sell them it is all within civil jurisdiction.
Actually, it would not be GTA. A clerical error resulting in a repo is a civil matter since there would be no criminal intent. Unless there is some weird plan between a person at the finance company and the repo company to actually steal the vehicles and drive or sell them it is all within civil jurisdiction.
This post was edited on 10/5/17 at 11:45 am
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