Mavis1955
Perth-Andover,#2Author of original report
Tue, December 08, 2009
Something I forgot to mention was in July I contacted Grey Power to get a quote for cheaper Insurance.I was contacted by a company who gave me a quote that i thought was too high so I told them I would stay with the company I was already with.What I didn't know was that they completely drained my bank account in August at the same time my car payment was supposed to come out,GMAC NEVER contacted me to let me know they didn't recieve their payment,I was in Saint John until the end of September.They did NOT phone me.Where I live now I am 62 km away from my bank.I had to get dial up internet which by the way took over 2 weeks to get which puts me 2 weeks into Oct,What you don't realize is that I work nights and I was trying to care for 2 sick puppies who had to be fed macaroni water to keep them from being dehydrated.They had to be fed by a syringe every 1/2 hour.I was under a tremendous amount of stress.I hadn't even gotten my drivers liscense address changed.The part I am upset about is that they lied when they told me I could have my car back if I caught the payments up when in fact they NEVER intended to let me have it back at all.
JandJMommie
Fort Wayne,#3Consumer Comment
Sun, December 06, 2009
You knew you did not pay your car payments. Also they can not notify you if you changed addresses and never let them know the new one. This could have be avoided if the note was paid and they had your correct address. I am sorry
Robert
Irvine,#4Consumer Comment
Sun, December 06, 2009
Why would things that happened in September and October keep you from checking your account in August to realize that the payment did not come out? Are you saying that you had absolutly no time to check your account at all between August and Nov. 20th?
Why if the payment did not come out did you need to borrow the money? Since you didn't know it didn't come out, you should not have been spending it, thus you would have had it when you needed to pay them.
As for the actual repo, I can't speek for Repo Laws in Canada but if you may want to look into if they did any violations. However, if they did not violate the law and it is like the US you would have owed those fees anyways and by not paying them they may sue you for the amount owed. This goes for any deficency balance on the car as well.