Ok, so here is a continuation of my story:
I have read Rachel's reports and know all the h**l that she and her family have been through in the past couple of months.
We have ONLY 7 payments with them, but supposedly, they have charged off our acct. Yes, we got behind, but then again, hubby only makes $380 a week and sometimes, if they have a day off, he doesn't get paid. Unfortunately, during the holidays a few weeks were only $275 and that stinks! So, long story short, they have sent me a "letter" on a xeroxed piece of paper saying that I have 10 days to surrender the car to the repo guy who by the way, drives one of 3 plain trucks: a shiny maroon one, a bright sapphire blue one, and an old dingy beige one. We have seen them all..LOL. And they don't have any writing on them. I mean, would you call a company who isn't even listed anywhere in the phone book? How professional is that? So, today, I have to pick up my hubby from work and the kids are home. My son thought that the guy at the door was my daughter's friend so he answered and there was the big, burly repo man with a copy of this xeroxed letter off of a fax machine..(It was sent to them on 1/19 and it takes them 5 days to come by with a copy of it like it is a legal document.) Anyhow, he told my son "Give this to your parents. It is very important. Tell them that they need to forfeit your car of else they are going to sue them." Well, until I see a legal court document telling me to surrender my car, I am not going to do so! We owe roughly $2900 total, but mind you that $700 of it is their late fees which we have tried to have removed, but with no luck!
My hubby is waiting to possibly start a new job in a few weeks, and we have been told by a non-profit organization (I won't mention their name...not my place to and no one's business to know anyhow..LOL.) This organization has said that if my hubby starts making more money so that we can pay back a loan, they will give us a loan to pay off our car loan so that these leeches from h**l will get off of our backs!
They have harassed us from day one! They called one of our friends until she threatened to sue them! They threatened once to rip off the garage door and take the car...A letter to BBB and the Attorney General for the state got one guy in a lot of trouble. They have screamed into my answering machine. One Sunday, they sat on the side of my neighbor's house ALL DAY long!! She told me "I bet they know when you go to the bathroom!" H**l, they knew everything else that we did...They even told me that they knew who owned the house and that they would call them in Virginia to tell them about us and the car. I told them that was nobody's business, but our own! They have pounded on our door until after 10 pm which is illegal. They called us one night until nearly 11 pm which is also illegal. I mean what does it take?
Rachel, thank you so much for your posts. I am trying to understand what to do and what not to do. I understand that they can't just hand you a cheesy xeroxed copy of a "letter" and expect you to fork over a car that is almost paid off! Please let me have your opinion....I appreciate all of your advice about these jerks. You have helped a lot of us and I wish y'all all the best!
Take Care and God Bless!