Ray
Colonial Heights,#2Consumer Comment
Tue, November 27, 2012
Why did you used money gram?
Never, never pay by money gram or western union gram. Alway pay at the bank or mail to banking address, with loan coupon from loan book. Coupon book will alway have account number for that vehicle.
Therefore it was your mistake for using money gram instead of using loan coupon payment to the bank.
ALWAY USE LOAN COUPON FOR MAKING PAYMENT. NO EXCEPTION.
Robert
Irvine,#3Consumer Comment
Tue, November 27, 2012
There may have been errors on their part, but there was also errors on your part where you need to take responsibility for your actions.
You appear to have been at least 2 payments behind, you know you have 2 accounts, you say you always have to call to get the account. So why did you wait until you were in line at Walmart with 2 kids to call and get the account number?
Since you have been with them for 7 years, you should have at least a few statements showing the account number. Even if you don't you should have something from the previous time you got the information. Afraid of someone stealing your info? Then a simple piece of paper in your wallet with just the number and something like "2005" so you know it is for the 2005 Dakota. If anyone got that number they would have no idea what it was to.
Now less then a month later my truck was repoed.
- Being a bit dramatic aren't you? You made the payment on October 22nd and it was repossessed on the night of the 21st of November. So yes technically because there are 31 days in October it wasn't a full calender month, but it was only short by a few hours.
I did everything I was suppose to do
- Well not exactly. You were supposed to make ALL of your payments for the full amount and On-Time. You were behind in your payments and didn't take the responsibility to keep track of your own account information, and unfortunately I doubt there was anything in your loan agreement that said that you can be late if you became unemployed.
I dont think this is fair to me as the consumer,
- Remember this..you were already 2 payments behind when you made the payment. There is no law that says they have to wait a certain amount of time before they can reposes your vehicle. So they could have repossessed the vehicle as soon as you went delinquent on the 1st payment.