- Report: #1177256
Complaint Review: Car-mart of Owensboro - owensboro Kentucky
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Car-mart of Owensboro
512 triplette st owensboro, 42303 Kentucky, USA
Phone:
270) 685-9959
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Car-mart of Owensboro America's car-mart unlawfully repossed my car owensboro Kentucky
I purchased my car from Car-mart of owensboro. They required payments every 2 weeks on you payday. from the begining they messed up my paper work for my auto draft , because the didnt turn in the paper work. then they losted my voided check and the rest of the nessary paper work. In the mean time, I told them I had lost my job and that my payday changed to the following week. I showed them my pay stub, and every other week on my payday I made a payment. I didnt miss a payment. After several conversations, and they were never very nice to me. I repeatedly told them they needed to fix the request. I called and wrote the corprate office to complain about all this. I told them Brittney wallace was leaving me nasty messages on mine and my husband's voice mail and it need to stop. they said on my last 2 payments i was 7 days late. I made payments every 2 weeks, on my paydate as agreed. they threated to take my car for being 7 day late on my voice mail if I didnt make a payment. I called the corporate office again to complain. nobody called me back instead Brittney showed up at my house at 5;45 . I told her that I had filed a complaint for her harrassing me to the corporate office, the other girl with her then put her key in the car door, I called the police, told her not to leave the police where on their way and when the police showed up, i told them about her harrassing me, and said I was going to clean out the car but that i wanted it on record, that I said I didnt want any further contact with them. the officer asked me for my keys to give to brittney. I turned them over at his request. they took the car. I have records of my payments that were made every 2 weeks. I have the call saved to my voice mail. I never got a letter in the mail, corbra or anything. @ other cars that were being sold at that lots the same time I bought mine are back on the lot, a yellow cooper and a yellow smart car. I test drove them both at the time of my sale. They are selling cars repoing them and reselling them. makining money off the down payments I am sure. I dont know but they are very shaddy to do what they did to me. I dont have money to get another car, and I been paying faithfully every 2 weeks. This has caused me alot of stress mentally and physically, I have lots of pain in my back and legs from all the walking. I cant see my husband a disable Vet in a rehab hospital or my dad who broke his back aug 2, 2014. I could have lost my job.
1 Updates & Rebuttals
Robert
Irvine,California,
What does your paperwork say?
#2Consumer Comment
Wed, September 17, 2014
Most likely your paperwork says you need to pay every two weeks starting on a specific date. Now, that date just happened to be on your payday at the time. But was there anything in WRITING that said if your payday changed..you could change your payment dates?
I would bet the answer to that is NO, after all if you could just make your payments on your paydate..what would keep you from even getting a job..no job..no payments...right? Or what if you got paid only once a month? Do you then only have to make one payment?
Without it in writing they are under ZERO obligiation to change your date, and yes there is no minimum time they need to reposess your car.
Of course if your paperwork does say you can change your payment dates and you have proof that you were on-time..then go ahead and sue them.
The only other POSSIBLE saving grace is that if they did reposess your car, most States require the company to notify you in writing within a certain amount of time what you need to do to "cure" the default. States don't generally require what they must do, but it usually involves either making good on your back payments and the repo fees or having them "call" the loan. Meaning in order to get the car back you must pay it off.
If they failed to follow the notification requirements you may have grounds to sue them for damages. Although before you go forward with that, it would be adviseable to consult a lawyer.
