car almost got "repo'd" has anyone ever had this happen to you before?
#41
Originally Posted by hyunk24a2
i just got my car back.. i got a question for you guys. is there supposed to be a 3inch wheel gap? i can fit my acura key in there. i knew i needed to install my springs but something doesnt look right even for stock settings.
also when that guy towed my car they towed it from the front the first time and when they were bringing it back they were towing it from behind.. thats fucked up. on top of that i have 6 miles to the empty tank now???!?!?! i had at least a quarter tank before they took it. car is filthy right now too, i just washed it :[
also when that guy towed my car they towed it from the front the first time and when they were bringing it back they were towing it from behind.. thats fucked up. on top of that i have 6 miles to the empty tank now???!?!?! i had at least a quarter tank before they took it. car is filthy right now too, i just washed it :[
Also, there may be 6 miles extra because the front wheel was rolling but that doesn't explain the gas part. Someone was messing with your car if you were losing gas.
#42
Make a hole, coming thru!
I'd have a dealer inspect the car for any structural or mechanical damage, right away. Before you drive it around a bit. If the repo dudes did any damage to the car (which lessens the value of the property the bank has a lien on),....
That they might've driven it around, or even siphoned gas out, doesn't surprise me. Look at it from their POV. The bank told them to repo a car, they did. Very, very rarely are these repos mistakes.
That they might've driven it around, or even siphoned gas out, doesn't surprise me. Look at it from their POV. The bank told them to repo a car, they did. Very, very rarely are these repos mistakes.
#43
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Originally Posted by Simba91102
Spoken in the true ("lawsuits have made this country great") John Edwards fashion. Oh, and I always pay cash, so no it hasn't happened to me before.
In a way lawsuits help define loopholes and possibly lead to amending poorly stated laws, but things are getting ridiculous nowadays. The McDonalds coffee thing is just one example, who would have thought coffee would be hot?
Simba do you mean you pay for things outright or you pay cash for monthly payments? All though banks and financial institutions can screw up, at least with checks and receipts and such there are paper trails...
Slightly more on topic, any recent updates by the OP?
EDIT: Yes definitely check anything potentially wrong with the car right away. The more it is driven the more chance people have to say it "wasn't their fault".
#44
Make a hole, coming thru!
Originally Posted by NightRider
The McDonalds coffee thing is just one example, who would have thought coffee would be hot?
Can't recall the link, but a law firm has a couple of essays on the case, and why it's a great example of a consumer safety civil suit showing corporate malfeasance. The scalding hot coffee (not potable) melted the cup ... and that was the company keeping coffee at 160° by policy, despite hundreds of scalding complaints and injuries every year, for a several years.
Why I'm posting: it really ticks me off when I hear statements like how stupid that lady was, how greedy the family was (they weren't, the huge award was set by the judge), how ridiculous the suit was.
#45
still plays with cars
Originally Posted by Simba91102
Spoken in the true ("lawsuits have made this country great") John Edwards fashion. Oh, and I always pay cash, so no it hasn't happened to me before.
#46
Kinda off the topic, my friend here in hawaii had his honda stolen in the middle of the night by a tow truck. The police found it completely stripped 2 weeks later. Tow trucks are scary.
#47
Still Lovin my 06
Originally Posted by xmrgoodcatx
You should definitely skip over dealing with the local branch manager and go straight to the top. Report everything from the treatment you received to how they are not really doing anything about it except leaving messages with the repo company. It is ridiculous that the bank cannot get in touch with a manager of the repo company considering the amount of business they probably provide them with on a daily basis. Also while you are making your way to the top of the management chain mention the fact that you have a lawyer waiting to hear back from you(lie about it) in case the issue is not resolved in a timely manner such as the next business day and say if you also do not hear back with a resolution then you will also contact the local news affiliate. I am sure the bank would appreciate having such great things said about them all over the local news "car wrongfully repo'd....", great PR for people needing loans. You should also go to freecreditreport and check to see what your credit looks since this has happened.
mostly what i wanted to say is above, but i want to expand a bit.
as far as what some people are responding with, yes, it's a crappy situation, but it was probably just a computer glitch. shit happens, get over it. i'm an IT auditor, so i understand how these things occur. does that mean the bank shouldn't compensate you? no.
as far as your credit. don't bother with freecreditreport.....you have to sign up for it and if you don't cancel, they charge you.
go to the government's website: annualcreditreport.com you can technically get one from each bureau, or you can stagger them throughout the year. in this case, i'd get one from each and use that to speak to the bank. ask them to fix it. tell them if they don't do this quickly, you would have no problem writing your local paper, and national papers (like USA Today and NYTimes and Wall Street Journal). also, tell them you'll write consumer reports, money magazine, kiplinger's, smart money, etc.
this will get them going.
if they don't react....write money magazine. they actually do a column every month on customers who don't get responses from a company. and they act as an intermediary then do a story on it in the magazine. it's pretty good.
it should be relatively easy to fix. it sucks yes, but call, speak to a manager, or corporate customer service, and they will do something. don't expect a huge payout for this. and don't waste the court's time with a lawsuit. that's just retarded
#48
I disagree with what bradykp says just because it's not your fault that you got your car towed. The bank made a mistake and they have to pay for that mistake. I work as an IT too and I know mistakes do happen but somebody has to be responsible for this and it's not going to be the consumer. Call your credit card company; they are required to give you a credit report once a year.
#49
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well just to update yall on this, the lady from bb&t bank (the bitch on the phone, not the nice lady who helped us) did fix the issue with my moms credit so nothing was negatively affected so im glad about that. we also spoke with a lawyer and for the cost of a lawyer and the time it would take for everything to finish, it would not be worth the trouble so we decided to just not deal with it. afterall the important thing is that my car is back and seems like it hasnt been messed up from the tow being put on incorrectly . i took it to my friends body shop and they couldnt see anything physically damaged so i guess im in the clear (knock on wood) .
the only thing that i wish they would have done is sent out a formal written apology or at least a phone call to tell us everything was ok. i had to call and leave 3 messages before i got a voicemail from her. oh well :/
the only thing that i wish they would have done is sent out a formal written apology or at least a phone call to tell us everything was ok. i had to call and leave 3 messages before i got a voicemail from her. oh well :/
#51
it's a car-drive it
Originally Posted by davidspalding
Not to de-value your other points, but the FACTS of that case clearly show that a) the coffee was hotter than scalding temperature (above safe limits), b) the corporation was grossly negligent in actually encouraging their restaurants to keep the coffee at temperatures above the safe limit, but c) after the woman had 2nd and 3rd degree burns on her, and her daughter asked ONLY for compensation to cover the hospital bills, the corporation offered a pittance, and thought they were being generous.
Can't recall the link, but a law firm has a couple of essays on the case, and why it's a great example of a consumer safety civil suit showing corporate malfeasance. The scalding hot coffee (not potable) melted the cup ... and that was the company keeping coffee at 160° by policy, despite hundreds of scalding complaints and injuries every year, for a several years.
Why I'm posting: it really ticks me off when I hear statements like how stupid that lady was, how greedy the family was (they weren't, the huge award was set by the judge), how ridiculous the suit was.
Can't recall the link, but a law firm has a couple of essays on the case, and why it's a great example of a consumer safety civil suit showing corporate malfeasance. The scalding hot coffee (not potable) melted the cup ... and that was the company keeping coffee at 160° by policy, despite hundreds of scalding complaints and injuries every year, for a several years.
Why I'm posting: it really ticks me off when I hear statements like how stupid that lady was, how greedy the family was (they weren't, the huge award was set by the judge), how ridiculous the suit was.
#52
Old Man Yelling at Clouds
Originally Posted by hyunk24a2
...the only thing that i wish they would have done is sent out a formal written apology or at least a phone call to tell us everything was ok. i had to call and leave 3 messages before i got a voicemail from her. oh well :/
#53
I caught this one kind of late. I am in law enforcement and this is my 2 cents. First of all dont ever assume your car is being repoed. I live in the DC area and a man was fatally shot in cold blood in front of his house for running out and approaching a tow truck driver that was stealing his car. So your 1st resort if you suspect foul play would be to call 911 give a tag, tow company, driver ID, direction of travel or any description you have. Then call the bank that finances the vehicle. Thats good you called a lawyer and if the car is under your mom let her handle it. I agree with everybody else " LET EM FRY " !!!! Dont let them get away with that w/o compensation. But dont refinance that might cost you money and lengthen your loan term.
#56
Sweet!
iTrader: (1)
Originally Posted by bradykp
mostly what i wanted to say is above, but i want to expand a bit.
as far as what some people are responding with, yes, it's a crappy situation, but it was probably just a computer glitch. shit happens, get over it. i'm an IT auditor, so i understand how these things occur. does that mean the bank shouldn't compensate you? no.
...don't waste the court's time with a lawsuit. that's just retarded
as far as what some people are responding with, yes, it's a crappy situation, but it was probably just a computer glitch. shit happens, get over it. i'm an IT auditor, so i understand how these things occur. does that mean the bank shouldn't compensate you? no.
...don't waste the court's time with a lawsuit. that's just retarded
Originally Posted by visuelz
I disagree with what bradykp says just because it's not your fault that you got your car towed. The bank made a mistake and they have to pay for that mistake. I work as an IT too and I know mistakes do happen but somebody has to be responsible for this and it's not going to be the consumer. Call your credit card company; they are required to give you a credit report once a year.
All in all, I'm glad to hear that the situation is turning out to be OK.
I also agree with gsi00154, call the local news station. Most have a consumer affairs segment and can definitely help you out. It'll at least get the word out about your problem, what institutions were involved, and who to NOT do business with.
And yes, refinance with another bank ASAP.
#57
Make a hole, coming thru!
Originally Posted by nj2pa2nc
as far as coffee being too hot-who would believe the coffee was so hot-even with milk in it, that it would cause burns so severe they required skin grafts. no lawsuit but this did happen to my daughter. the coffee shop where she purchased her morning coffee did not put the lid on tight enough,
#58
Make a hole, coming thru!
Originally Posted by UNEVAKNO
... I am in law enforcement and this is my 2 cents. First of all dont ever assume your car is being repoed. I live in the DC area and a man was fatally shot in cold blood in front of his house for running out and approaching a tow truck driver that was stealing his car. So your 1st resort if you suspect foul play would be to call 911 give a tag, tow company, driver ID, direction of travel or any description you have. Then call the bank that finances the vehicle. ....
Don't use threats. "Call the bank and tell them you're talking to news stations" is just extortion. Just call the news stations and see if they're interested in talking to you. Let the bank's agent(s) for service figure out that "sooner is better than later" for settling with you. The longer they dawdle and keep you at bay, the stronger their position.
Originally Posted by bradykp
yes, it's a crappy situation, but it was probably just a computer glitch. shit happens, get over it. i'm an IT auditor, so i understand how these things occur. does that mean the bank shouldn't compensate you? no.
#59
Still Lovin my 06
Originally Posted by hyunk24a2
well thanks to the advise of azine my family is going to file a case against them in court. hopefully things work out and this never has to happen to anyone else again.
#60
Originally Posted by davidspalding
The older I get, the less tolerant I become of this kind of attitude. "Shit happens, get over it" is the facile balm that completely disregards the inconvenience and expense that the victim has had to endure. Easy to say when your day to day life is unscathed. Not so easy when your car is "legally stolen" right in front of you, or a close relative or friend is victimized. A fellow I know is fond of saying, "life's tough, wear a cup." I'd relish the opportunity (though not wish it upon him) to visit him in a hospital following a car crash, or serious physical assault, or some other greivous tragedy, and repeat, "life's tough, wear a cup? Is that what you say to others?"
As far as the"life's tough, wear a cup" theory ..........Ok my cup is always on (meaning I stay prepared for just about anything ) and who or whatever plans to test my cup better make sure they have their cup on too because kicking (meaning lawsuit, jail, compensation, black eye, etc.) is a 2 way street.
#61
Make a hole, coming thru!
Originally Posted by UNEVAKNO
There are some situations were I totally agree that "Shit happens"the "Get over it " theory applies but if you have to "just get over it" and move on you better learn something from it so you wont allow it to happen again if possible.
As far as the"life's tough, wear a cup" theory ..........Ok my cup is always on (meaning I stay prepared for just about anything ) and who or whatever plans to test my cup better make sure they have their cup on too because kicking (meaning lawsuit, jail, compensation, black eye, etc.) is a 2 way street.
#62
Still Lovin my 06
Originally Posted by visuelz
I disagree with what bradykp says just because it's not your fault that you got your car towed. The bank made a mistake and they have to pay for that mistake. I work as an IT too and I know mistakes do happen but somebody has to be responsible for this and it's not going to be the consumer. Call your credit card company; they are required to give you a credit report once a year.
sure, the bank made a mistake. and yeah, they have to fix it. that doesn't require a lawyer to be involved. if the OP calls corporate and handles it through them, he can do it civilly without having to use the lawyer threat. the bank will be happy to help, and it's something he can take care of himself.
if he has trouble, there are plenty of consumer advocates that would help, and he doesn't need to sue them.
#63
Still Lovin my 06
Originally Posted by thunder04
This sounds like somebody who has a hard time taking responsibility for ones actions, in my opinion. I don't think there are any acceptable excuses in this situation. A mistake happened, yes. Should the responsible party own up to it? YES.
And yes, refinance with another bank ASAP.
And yes, refinance with another bank ASAP.
"does that mean the bank shouldn't compensate you? no."
taking responsibility is exactly what i was talking about. there's just no need for a lawyer. plenty of roads to take without one. i would contact BBB as well as the state consumer advocacy group. then there is always publications like Money Magazine and others.
I'm just so tired of hearing people cry "lawyer" every time something happens. it's just stupid sometimes
#64
Still Lovin my 06
Originally Posted by davidspalding
Superb points. In this day of cheap camera phones, I often tell people, "just snap a few pictures. IANAL, but photos, properly time-date stamped on your memory card, could be compelling evidence.
Don't use threats. "Call the bank and tell them you're talking to news stations" is just extortion. Just call the news stations and see if they're interested in talking to you. Let the bank's agent(s) for service figure out that "sooner is better than later" for settling with you. The longer they dawdle and keep you at bay, the stronger their position.
The older I get, the less tolerant I become of this kind of attitude. "Shit happens, get over it" is the facile balm that completely disregards the inconvenience and expense that the victim has had to endure. Easy to say when your day to day life is unscathed. Not so easy when your car is "legally stolen" right in front of you, or a close relative or friend is victimized. A fellow I know is fond of saying, "life's tough, wear a cup." I'd relish the opportunity (though not wish it upon him) to visit him in a hospital following a car crash, or serious physical assault, or some other greivous tragedy, and repeat, "life's tough, wear a cup? Is that what you say to others?"
Don't use threats. "Call the bank and tell them you're talking to news stations" is just extortion. Just call the news stations and see if they're interested in talking to you. Let the bank's agent(s) for service figure out that "sooner is better than later" for settling with you. The longer they dawdle and keep you at bay, the stronger their position.
The older I get, the less tolerant I become of this kind of attitude. "Shit happens, get over it" is the facile balm that completely disregards the inconvenience and expense that the victim has had to endure. Easy to say when your day to day life is unscathed. Not so easy when your car is "legally stolen" right in front of you, or a close relative or friend is victimized. A fellow I know is fond of saying, "life's tough, wear a cup." I'd relish the opportunity (though not wish it upon him) to visit him in a hospital following a car crash, or serious physical assault, or some other greivous tragedy, and repeat, "life's tough, wear a cup? Is that what you say to others?"
#65
Make a hole, coming thru!
I agreed with your first two of three last posts, but you lost me with "acting like a computer mishap is a tragedy is just stupid." Who said it's a tragedy? You're arguing against caricatured grief and angst where I don't think there is any. Likewise, arguing this is just a "computer mishap" is obtuse -- computer glitches result in botched billing or overcharges, but I think foreclosure on property is more than a glitch.
I think you need to walk a mile in the OP's shoes here. Have YOU ever had your car repo'ed? It's disturbing. I can presume the OP was very upset. It wasn't an "oopsie daisie, we charged you a late fee when your payment was 5 days earlier than the deadline" (which I've had to resolve a few times, using incidentally the steps you recommend) ... in this case, the OP had his car repossessed. There's a question as to whether the repo man towed it wrong, incurring damage. There were probably at LEAST a few incidental expenses the OP incurred as a result of losing his primary mode of transport (rental car, cabs, missed work).
You ask "how badly did this hurt anyone?" Good question, let's listen for the answer. The bank has some "'splaining to do, Lucy," and -- as you said -- talking to the right corporate officer, or the BBB, or if necessary, consumer advocate reporters, is hopefully all he (or his mom) need to do.
I think you need to walk a mile in the OP's shoes here. Have YOU ever had your car repo'ed? It's disturbing. I can presume the OP was very upset. It wasn't an "oopsie daisie, we charged you a late fee when your payment was 5 days earlier than the deadline" (which I've had to resolve a few times, using incidentally the steps you recommend) ... in this case, the OP had his car repossessed. There's a question as to whether the repo man towed it wrong, incurring damage. There were probably at LEAST a few incidental expenses the OP incurred as a result of losing his primary mode of transport (rental car, cabs, missed work).
You ask "how badly did this hurt anyone?" Good question, let's listen for the answer. The bank has some "'splaining to do, Lucy," and -- as you said -- talking to the right corporate officer, or the BBB, or if necessary, consumer advocate reporters, is hopefully all he (or his mom) need to do.
#66
Originally Posted by hyunk24a2
well just to update yall on this, the lady from bb&t bank (the bitch on the phone, not the nice lady who helped us) did fix the issue with my moms credit so nothing was negatively affected so im glad about that. we also spoke with a lawyer and for the cost of a lawyer and the time it would take for everything to finish, it would not be worth the trouble so we decided to just not deal with it. afterall the important thing is that my car is back and seems like it hasnt been messed up from the tow being put on incorrectly . i took it to my friends body shop and they couldnt see anything physically damaged so i guess im in the clear (knock on wood) .
the only thing that i wish they would have done is sent out a formal written apology or at least a phone call to tell us everything was ok. i had to call and leave 3 messages before i got a voicemail from her. oh well :/
the only thing that i wish they would have done is sent out a formal written apology or at least a phone call to tell us everything was ok. i had to call and leave 3 messages before i got a voicemail from her. oh well :/
Make them pull a credit report for your mom, and make sure there's no recent derogatory marks from that bank.
#67
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With 3 major credit bureaus each offering 1 free credit report a year, you should be able to check your credit report for free 3 times a year. The OP definitely needs to find a better bank, I am 15 days late on my car payment right now, but because I have had multiple loans over several year with this bank, they are a bit more lenient than your average bank might be. They know I am good for the money. Regardless, if any additional expenses were incurred due to an error that was no fault of your own, you should be entitled to financial remedies. If there is no reprimanding of your current financial institution, at the least (as said before) find a different bank.
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