VW Credit VW Credit Steals 2012 CC w/ breach of contract & doesn't reply! Chicago Illinois
In May 2013, 24 months into the 39 month lease of '12 VW CC R Line which had a payement arrangement on file and was met from my side, was repo'd in material breach of contract.
After sending more than 5 emails, letters, faxes & making countless calls I was able to get the forged lease agreement with modifications not on my final copy but not the location of the car or why they broke their side of the agreement.
The account had been seriously delinquent 2x in the past with the days overdue greater than 90, after learning I Hwas diagnosed with a chronic and ultimately terminal health condition, despite being current with the arrangement they decided to steal the car. Maybe it's my illness that scared them? Maybe it is the fact they had a contract with forgery? Maybe they intended to cause me measurable economic injury and other harm ie, the repo vehicle had a medication cositing thousands of dollars inside, to this day I don't have any communication on how or where to get my belongings!
VW Credit is in the business of illegal reposessions and ruining credit, maybe a life.
4 Updates & Rebuttals
coast
Florida,You defaulted so now you walk
#5Consumer Comment
Sun, June 09, 2013
"VW Credit agreed to tender payment"
That makes no sense because you are the party that must tender payment.
"Being delinquent in fact is not a breach"
You are, in fact, 100% incorrect. Loan default is a breach of contract.
"the repo vehicle had a medication cositing thousands of dollars inside"
The medication was not in the vehicle. You fabricated that to embellish your story.
You have elected to alter the view of the text of a written agreement to meet your desired interpretation of the terms. It is highly likely that an experienced legal team composed that solid agreement. Now you get to walk to the bus stop.
Jim
Florida,What A Bunch of @$#%!
#5Consumer Comment
Sat, June 08, 2013
When we strip away all the BS of you blaming everybody and everything else, what we have is the following: You got into a CAR FLEASE. YOU defaulted on the CAR FLEASE not once, but several times. Because YOU defaulted on this FLEASE, YOU and only YOU turned "on" the collections activities which terminated with YOU causing a repo. If you were so concerned about this alleged forgery, then it would have been up long ago. Instead, you are trying to deflect the REAL ISSUE here by bringing up some alleged wrong doing on the part of the lender as nothing more than a paltry smoke screen.
StoleMyCC
Oakland,California,
Sorry, out of scope 1 & inconsistent content & tone.
#5Author of original report
Sat, June 08, 2013
- Maybe it was the fact that you were seriously delinquent twice in the past. When you talk about breach of contract...you do realize that being delinquent is also a breach. Just something to think about.
Can't speak to your "forgery" but wondering what was the nature of this "forgery". But there are specific laws they must follow when a vehicle is reposessed. This includes notification of what it takes to "cure" your reposession and/or retrive any valubles in your vehicle. If they don't follow the regulatiions the reposession company and/or VW could be held liable.
The prior delinquincies are out of scope, when VW Credit agreed to tender payment in full in lieu of taking the vehicle it became a modfication to the existing agreement, which was done in writing and without incident. Being delinquent in fact is not a breach, it is to be expected and there are specific terms in the lease agreement that define when a breach occurs, delinquent is never mentioned, default is. If I am due to pay on the 5th of every month, if I send my payment on the 10th and it's recieved and posted by the 14th, there is no breach because I am within a 10 day grace period. A material breach occured in my situation under something we call Promissory Estoppel/Detrimental Reliance. I promised to pay $x and VW agreed to accept it on a date that would normally be in the "default zone" and will also provide me with a requested item, so in good faith I rely on their promise to extend the date, provide the item and in return I pay the amount on the date. If I do not receive the item and pay on the date, and they fail to hold up their end, I detrimentally relied on their promise and can seek damages under promissory estoppel.
Notfication to cure only has to occur once in a lease, so if the car is up multiple times the notice must have only been sent once, in my case there was NEVER a notice to cure. The notice of my valuables was to be left in a conspicuous place if the owner is not present, there was nothing but a concrete parking log with visible indentations from where the car was improperly towed, that's all the notification I received and some security footage of a car requiring a flatbed being hooked like a movie prop and dragged through the downtown corridor. VW will be held liable, they must right the wrong.
Robert
Irvine,California,
Maybe
#5Consumer Comment
Sat, June 08, 2013
Maybe it's my illness that scared them? Maybe it is the fact they had a contract with forgery? Maybe they intended to cause me measurable economic injury and other harm ie, the repo vehicle had a medication
cositing thousands of dollars inside
- Maybe it was the fact that you were seriously delinquent twice in the past. When you talk about breach of contract...you do realize that being delinquent is also a breach. Just something to think about.
Can't speak to your "forgery" but wondering what was the nature of this "forgery". But there are specific laws they must follow when a vehicle is reposessed. This includes notification of what it takes to "cure" your reposession and/or retrive any valubles in your vehicle. If they don't follow the regulatiions the reposession company and/or VW could be held liable.