To begin, Credit Acceptance, the company that financed our vehicle did not send us a Right to Cure letter which is required in the State of Missouri. If this letter had been provided to us, it would have given us the 10 day opportunity to avoid repossession and the additional damages that we incurred at the hands of an Agent contracted by them to secure our vehicle.
Days after redemption payment had been made, we did receive a letter telling us our car had been repossessed and who to contact for information to redeem it, but nothing before the car was picked up.
County Wide Auto Recovery Services repossessed our car on 8/29/2012, redemption debt paid in full on 8/31/2012. An agent at County Wide told us when we called 636-928-8782 that we could not pick our vehicle up on that day because the office closed at noon and set an appointment with us for the following business day.
On Tuesday, September 4, 2011, We went to 1600 Heritage Landing, Suite 108 St. Charles, MO 63303 as directed by Credit Acceptance (finance company). We were told that we would have to pay $50.00 for possessions in our vehicle that they DID NOT STORE and to make matters worse, our navigation system, several car chargers, adapters and other misc items had been stolen out of the car.
The police were called and officer Liermann of The St. Charles Missouri police department was dispatched to the scene. A police report was taken but that is just the beginning of the legal action that we are going to take to expose County Wide Auto Recovery for their unethical, deceitful actions. The police officer who took the report also questioned the company owner about not completing an inventory of the items in our vehicle when they repossessed it. Their response was, because the owners were picking up the car, they did not feel as if they had to. We have also learned that the company does not have an active business license in St. Charles Missouri which makes our experience more disturbing.
Dianne Lyman is the owner of County Wide and has not heard the last from us! Any legal assistance would be appreciated in an effort to sue both Credit Acceptance and County Wide Auto Recovery services for their illegal actions.
Julie who is a legal assistant in the Credit Acceptance Legal Department has taken the high road, saying they are not responsible for the theft of our items and have tried intimidation tactics using email to quiet our complaint.
It won't work!!