Steve
Bradenton,#2Consumer Suggestion
Thu, October 26, 2006
Beth, First I am sorry to hear this happened to you as you were attempting to work with them. This is a very important question. Was the garage locked? If not, WHY not?? If it was locked, and they did damage getting in you have a very good case as well as criminal charges. Now, here's the problem as I see it as I have done repos in a few different states. There is a thing called "burden of proof" and unfortunately it is on you. I know it sucks and it's not what you want to hear, but it is the way it is. Big companies like Chrysler Financial use outside contractors and they do this for this exact reason. NO RESPONSIBILITY. They are not responsible for the actions of an independent contractor. They simply paid for a service, being the repo on your cars. Now the burden of proof I was speaking about is that contractor will say both vehicles were in the driveway or on the street. They will never admit they went in your garage, and you can't prove they did. That is the problem here. These people are pros and they don't get paid unless they get the repo done. The only thing you can do is sue them in civil court for breaking your verbal agreement, which will be very hard to prove as nothing was in writing. It is a case of he said, she said. Keep in mind on the very first day of day of default on a loan, they can legally repo. There is no legal grace period on repo. Yes, they can legally do the repo, and it makes no difference where you bought the vehicles. They legally belong to Chrysler Financial. The further into a loan you are, the more likely you will face repo, as they actually stand to make money on the repo. If you just moved, how did they know where you lived? Did you give them the new address? Knowing you were that far in default? I think the best thing to do is chalk this up to a learning experience. Move on.
Eric
Lawrence,#3Consumer Suggestion
Thu, October 26, 2006
NB: I am not a lawyer. The following is for informational purposes only and is not legal advice. If you need legal advice, get a lawyer. Perhaps there's a legal clinic around for low income individuals. Or maybe a lawyer will take this case on a contingency basis. If you can prove that they actually went into a closed garage to repossess the vehicles, you can win a wrongful repossession lawsuit. You might be entitled to your equity plus attorney's fees plus damages that the wrongful repossession caused you. It appears that it left you in shambles, so you might be able to be compensated for pain and suffering. Really, see if you can get a lawyer who will take this case on contingency. Or contact your local legal clinic for individuals who can't afford representation.
Eric
Lawrence,#4Consumer Suggestion
Thu, October 26, 2006
NB: I am not a lawyer. The following is for informational purposes only and is not legal advice. If you need legal advice, get a lawyer. Perhaps there's a legal clinic around for low income individuals. Or maybe a lawyer will take this case on a contingency basis. If you can prove that they actually went into a closed garage to repossess the vehicles, you can win a wrongful repossession lawsuit. You might be entitled to your equity plus attorney's fees plus damages that the wrongful repossession caused you. It appears that it left you in shambles, so you might be able to be compensated for pain and suffering. Really, see if you can get a lawyer who will take this case on contingency. Or contact your local legal clinic for individuals who can't afford representation.
Eric
Lawrence,#5Consumer Suggestion
Thu, October 26, 2006
NB: I am not a lawyer. The following is for informational purposes only and is not legal advice. If you need legal advice, get a lawyer. Perhaps there's a legal clinic around for low income individuals. Or maybe a lawyer will take this case on a contingency basis. If you can prove that they actually went into a closed garage to repossess the vehicles, you can win a wrongful repossession lawsuit. You might be entitled to your equity plus attorney's fees plus damages that the wrongful repossession caused you. It appears that it left you in shambles, so you might be able to be compensated for pain and suffering. Really, see if you can get a lawyer who will take this case on contingency. Or contact your local legal clinic for individuals who can't afford representation.