Melissa
Dover,#2UPDATE Employee
Thu, August 18, 2005
I did speak to the customers regarding their three day late payment and it is our policy (that they agreed to) to not accept late payments. We do not charge late fees because we do not accept late payments. Especially the very first payment that is due, like in this situation. When i asked when the payment was coming in i was told it wasn't becasue they filed bankruptcy. At this point the vehicle was already out for repossession due to non payment and it was totally coincidental that the repo man was there at the same time i called the customer for their late payment. The repossession order was given the night before after 2 days of attempts to contact the customer with no response. It is stated in this rip-off report that i needed permission from the court to repossess this vehicle and quite frankly that is not the case in this situation and actually these customers needed permission to purchase this vehicle from the chapter 13 trustee due to signing the paperwork with us on 5/19/05 and actually filed bankruptcy on 5/16/05 which is clearly a breech of our original contract. And in a chapter 13 bankruptcy, you must gain permission from the trustee to obtain any form of new credit. I did receive notice from the attorney in this matter demanding that i return this vehicle to the customer but after i sent a copy of the original contract dated after their bankruptcy filing the attorney, understandably, agreed with us< CNAC/JDBYRIDER, that we did not owe the customer anything, especially return of OUR vehicle. Furthermore i never refused them to speak to the owner tony he really wasn't here, and the truth be known i had made several attempts to contact the customers because the owner wanted to have a meeting with them but never received any response. And if they saw him walk out of the building, why not approach him then???? Also taking inventory of a repossessed vehicle is common proceedures for our protection. I was not digging through anyones vehicle i wasn't even given the chance to take a complete inventory of all items in the vehicle and for some reason the attorney was called and yes i refused to speak to him/her, my business is not with the attorney and i'm not required in anyway to speak to him/her. I did have my co-worker sign the inventory report as witness to the facts. The vehicle was not locked until they got in the car and proceeded to leave and never once did we receive a phone call that they still had belongings in the vehicle and wanted them.