Mike
Radford,#2Consumer Suggestion
Wed, February 21, 2007
When a situation like this occurs you need to deal with specific payment agreements rather than vague "work with you". In other words, you say "I can pay X amount on X date, that's the best that I can do" and get them to agree to it, preferably in writing. Record all your phone calls with them as well. If they aren't accepting the payment arrangement you can offer, then assume that they will repo the car. Or at least try to. Except possibly in Texas, it is legal to hide your car from the repo man or lock it up in a garage. When you expect to catch up the payments soon, don't let it get repo'd. It will cost you more to get it back. It was a holiday weekend so it is not unreasonable that you couldn't get the van back right away. They should not have been demanding such immediate payment though. In most cases the law gives you about two weeks to pay up before you'll lose the car for good.
John
petersburg,#3Author of original report
Wed, February 21, 2007
Hopefully you will experience the same fate of ill health one day. Maybe then your inability to comprehend what is being said will come to light!
Dave
Jacksonville,#4Consumer Comment
Tue, February 20, 2007
There are not plenty of bank that will treat you normally if you are LATE ON YOUR PAYMENT. If you were late on your payment, and your car was repo'd, it isn't the bank's fault, it's yours! It doesn't matter who the bank is, your vehicle will get repo'd if you are seriously behind on your payments. The banks don't really care what the reason for the deliquency is, they just want their money.