• Report: #249509

Complaint Review: National Locating Recovery

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  • Submitted: Mon, May 21, 2007
  • Updated: Mon, April 07, 2014

  • Reported By:Anonymous Alabama
National Locating Recovery
PO Box 311 Westover, Alabama U.S.A.

National Recovery National Locating Recovery Unlawfully repossessed vehicle damanged property refused to answer complaints, deceptive bad business breach of peace Westover Alabama

*Author of original report: The owner does not know what the heck they are talking about there was communication with suntrust and payment arrangements made but suntrust decided to hurt and wrong us they are being deceitful

*Author of original report: People aren't happy until they see me lose everything well its not up to buck the owner of national recover to tell me what we can or cannot have but they will not rest until I lose something

*Author of original report: Reply to buck I know people don't come back to this report so I'm gonna say this anyway from the ordeal we was put threw from suntrust bank and I don't abuse the system

*Author of original report: I was in a car accident during 07/2006 and I lost my job and was on unemployment benefits and I was going to make the late payments with my income tax I had gotten a $20,000 settlement

*Author of original report: This is to the witch owner I have had 3 nice vehicles I had a 2007 mercedes benz a 2007 f-150 and a 2009 f-150 I had to file bankruptcy on those because I had gotten hurt on the job to keep you leache

*Author of original report: rebuttal to your page of lies

*Author of original report: I know all the little dirty tricks these bad people do in finance companies will still come and take your car after you make payment agrrangements next time i will hide the car or file bankruptcy

*Author of original report: The car payments was paid ontime but suntrust like most crooked business wanted to steal this was down right dirty but alot of finance companies are doing this to people after they made arrangements

*Consumer Comment: Chuckie

*Author of original report: These repoe people are nothing but scum of the earth there Is no need for them to be so hateful to people these finance companies do treat people wrong and wrongfully take peoples car

*Author of original report: Yeah who makes life unfair people like you and crook financial companies like suntrust and thanks to bush and the republican party

*Consumer Comment: Charles, LIFE is UNFAIR! Accept it, get over it, and MOVE ON!!

*Author of original report: Steve you can defend suntrust all you feel like they was completely In the wrong In how they handle this but they are a bunch of crooks suntrust Is satans helpers at work to steal from people but

*Author of original report: The problem was suntrust wanted the full pay off they knew the payments was going to be made but they chose to be buttholes about It this was unfair treatment

*Consumer Suggestion: Charles, Learn the definition of "stealing" and realize this

*Author of original report: Suntrust isn't the only finance company to pull this on people after they made payment arrangements and they take there vehicle anyway I blame the employers and insurance company

*Author of original report: To steve we did not rip off suntrust was going to get paid two payments but they chose to take It I don't care what you say or anyone else but suntrist Is corrupt they know how to break the law

*Author of original report: These car finance companies are stealing cars just like how these mortage companies are foreclosing on peoples homes just to be doing it

*Consumer Suggestion: Charles, I suggest you look at the big picture here to avoid future problems

*Author of original report: I know people are happy this has happend because they think I should live under a bridge or even better dead they want bad things to happen you can't trust anyone anymore

*Author of original report: Suntrust nothing but a bunch of theives con artist liars who steal peoples cars after making payment arrangments I will do what I can to expose these liars Its time they stop doing this to people

*Consumer Suggestion: Charles, you REALLY should move on here after 3+ years

*Author of original report: What suntrust did was dirty they knew the payments was going to be made but they are low down dirty rotten scum crooks alot of finance companies have pulled this on people after they made payment

*Author of original report: People can say whatever they feel like about me i will not stop living or just give up on life

*Consumer Comment: Seriously?

*General Comment: LOL

*Author of original report: People should keep there rude opinions to themselves why Is It people want to try to put me down I have rights just like them to live

*Consumer Comment: Freakin hilariours, This is classic idiocracy at its finest!!! I just have to add my 2 cents.

*Author of original report: Well steve you should read the nasty post from this so call repoe agent from greensboro people don't have to be so hateful

*Author of original report: The insurance company did not settled until summertime we did not cause this problem the insurance company driver caused this accident and these problems

*Author of original report: Well steve suntrust backstabbed us they knew the payment was going to be made this Is what still angers me like everyone else has stabbed a knive In our back

*Author of original report: When people stop treating me unfairly and treating me like I am non human and abusing me and leaving me abusive insulting comments I don't bother anyone and I don't deserve to be treated like crap

*Consumer Suggestion: Charles, take your meds, and stop cursing at people, then do this

*Author of original report: Lesson learned not to trust a finance company after you made a good faith promise to make payments then they stab you In the back

*General Comment: FYI author....

*Author of original report: Who are you to talk to people like that payment arrangements was made suntrust still decide to take It

*Consumer Comment: da rpoe man stoled my cara

*Author of original report: Women business owners are the worst

*Author of original report: Suntrust Is like countrywide

*Author of original report: believe what you want

*Consumer Comment: Be grateful it didn't happen this way.

*Consumer Comment: Be grateful it didn't happen this way.

*Consumer Comment: Be grateful it didn't happen this way.

*Author of original report: I have bank statements and payment receipts to prove

*Consumer Comment: Education for Charles regarding REPOs

*Author of original report: The payment was going to be made

*Author of original report: The payment was going to be made

*Author of original report: The payment was going to be made

*Consumer Comment: CHUCK!!!!!!

*Author of original report: update

*Consumer Suggestion: Get out of the kitchen

*Consumer Comment: Charles, it wasn't illegal.

*Author of original report: update

*Author of original report: To steve

*Author of original report: To steve

*Author of original report: To steve

*Author of original report: To steve

*Consumer Comment: Charles...What does any of this have to do with me?

*Author of original report: To steve

*Author of original report: update

*Author of original report: Suntrust refused payments

*Author of original report: update

*Consumer Comment: Don't see how this is illegal

*Author of original report: update

*Consumer Comment: Don't fret it Mary Jane.

*REBUTTAL Owner of company: PAYMENTS NOT BEING LATE???

*Author of original report: The car payment was not late

*Author of original report: Suntrust stole the vehicle

*REBUTTAL Owner of company: You should have made your car payments

*Author of original report: Yes the repo was illegal

*Consumer Suggestion: Charles, the repo was not illegal.

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National recovery, unlawfully repossessed my vehicle on 02/16/2007 I was going to make my payment on that day when my bank ordered the repossession I was not two months behind, I also filed a stolen vehicle report with my local police department.

When, national recovery repossessed my vehicle they damanged my driveway when they forced the vehicle down my driveway with the tire marks damanged my driveway & left black marks all over my driveway, these repoe men are nothing but scum lowlifes who enjoy being mean to people.

National recovery lied to my bank, telling them they came to my home to look @ my damanges. this is a complete lie no one from national recovery came to my home to look @ my damanges from 02/16/2007-

05-21-2007 & they told my bank I refused to let them on my property. I, also made a complaint with the better business bureau & attorney general office national recovery refused to answer my complaint to the BBB, @ least the BBB put a unsatisfactory record on the first complaint because national recovery refused to answer the complaint I have not heard anything from the attorney general.

I, am glad the BBB did not waite until the 200 complaint before giving the a
unsatisfactory rating for refusing to, resolving complaints & answering them. I, wrote this report to warn the public about the bad business practice from national locating recovery.

Anonymous
Anonymous, Alabama
U.S.A.

This report was posted on Ripoff Report on 05/21/2007 11:38 AM and is a permanent record located here: http://www.ripoffreport.com/r/National-Locating-Recovery/Westover-Alabama/National-Recovery-National-Locating-Recovery-Unlawfully-repossessed-vehicle-damanged-prope-249509. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
27Author 42Consumer 2Employee/Owner
Updates & Rebuttals

   There was communication between the suntrust and payment arrangements made. But suntrust decided to hurt and wrong us. It isn't us its everybody they are doing this to. Its called being deceitful agreeing to make payment arrangements but coming ahead and getting the vehicle.

 

    Why do people want us to lose everything something they can never answer for my 10 years being on rip-off report. They're not happy until I lose something!, well I have rights to live just like them & they have no say so in what I can or can't have!.

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These people will not rest until I lose something. They are low down scum of the earth pigs for them not wanting me to have transportation. It was a low down trick that suntrust pulled & they got away with it. They will lie tell me I don't know how to spell to take anything we have had.

 

I knew it was to good to be true when suntrust agreed to finance it, because 1 year later they took it back!.  Payment arrangements was already made I don't give a hoot what these ignorant jerk offs say to me on this site!. My mother was going to use her income tax to pay up the late payments due from a bad accident she had in 07/2006.

 

But nothing is good enough for these finance companies. I have found out that banks are the worst then finance companies.

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#3 Author of original report

Reply to buck I know people don't come back to this report so I'm gonna say this anyway from the ordeal we was put threw from suntrust bank and I don't abuse the system

AUTHOR: Charles - ()

We was waiting on a insurance settlement from the other drivers insurance during that time.My mother got a $20,000 settlement 06/2007 I know must of you don't care but here is our side of the story. My mother was going to use her income tax to pay up the two payments that was late, suntrust agreed to the payment arrangements but they betrayed us and ordered the repoe!.

 

My grandfather helped me out by purchasing a 2007 F-150. They are nothing but scum low life scumbags at suntrust for what they did to us! and so are you and everyone else who has posted untrue negative comments about me!.

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I know some rat who is trolling this site told you I made this complaint. Why did you wait 10 months to reply to it. I'm not some stupid woman like how most of you think women are!. And how these males at these banks are. This is how they treat women. I have 3 brothers  have had horrible credit historys and they still got financed for a new vehicle.

 

So its just a woman hater thing from these males at these banks who don't want women to have anything. I was also in a car accident 07/2006 & I was on unemployment benefits & I had gotten a $20,000 settlement from the other parties insurance. I was waiting on my insurance settlement during this time. So owner before you open your big mouth all I had to do was explain my situation to you!.

 

I used the $20,000 to get me a new truck!.

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   I have gotten 3 nice vehicles sense this unfortunate time in my life. I had gotten hurt on the job and I had to file bankruptcy to keep you leaches of my property. I know I can't get a new vehicle for some time know. but it feels good that you legalized mafia crime can't come to my property.

 

And If I caught your repoe agent I had the right to ask him to leave. And he had to comply with my demands. I never once raised my voice to you this is a bold face lie. I am making another rebuttal to tell my side of the story.

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#6 Author of original report

rebuttal to your page of lies

AUTHOR: Kathy - ()

Mary Jane Hogan, in  response to your page of lies!  First. of all your representative that came on my property without My permission in the dark of the night and dragged the truck down the driveway leaving hugh black marks from top to bottom of my driveway and tearing up my yard where the truck was pulled across it was done at this time.  Your representative rang my doorbell wanting keys to the truck in which he was denied them had already gone through the truck and had some items in a black bag sitting at my door. The truck was in the street on your tow truck.

 The police were notified and the damage noted by the detective. As for your exaggeration of me screaming and blowing up your phone line again is completely false, as you well know! It is also false that your representstive came back to my door with me telling him to leave!  You can try all you want to state true facts, but again you are just fooling yourself because you have been in this so called corrupt business, stealing, that you don't know how to tell what is true and what isn't! You did not know me or anything about my business with the bank to sit and respond that you do! And furthermore to state that you are the go between and help people is another dillusion! Yes you have attacked me with these lies! 

 And if you had pictures of my damaged property it was from the street and nowhere else! I don't know where you get that there are no laws or rules pertaining to you or your type of business, that your type of business is exempt from following any laws or rules is just nonsense!  You also state that I need to COMMUNICATE with them. How do you know that I didn't?  You don't! I did and it's my business, not yours! As for the BBB it was your company being complained about and the way you conduct yourselves and tell lies about the consumer that is in question.

 It had nothing to do with third party business! Also your representative followed me and was noted by me as he sat in the parking lot as I left in my new red truck my father bought for me!  Theres no way I would have had the truck after your representstive damaged it! And I bet one day your business will have its possessions recovered for nonpayment because you are also not exempt from lifes problems. I was burt very bad in an accident in the truck you stole from my property due to another drivers neglectful driving!  So again you knew nothing about me or my business nor were you some kind of help to me as a go between as you state!.

You just want money anyway that you can get it.

 Respecfully Kathy

Presdient and CEO Of My Home

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This will not happen again i know all their "Dirty Tricks".  Next time i will just hide the car until the payments are caught up if they are late again.  We will get it in writing also. But we was stupid to trust suntrust.  But not anymore.

I know all their "Dirty Tricks" but they will never be punished,  or held accountable for their "EVIL" things they do to people.  I will never do business with them or have a bank account with them.
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 I don't let what these people say "SCARE" me.  Its amazing what great links they will go to scare me. Suntrust knew what they did was "WRONG".  I will "NEVER" do business with suntrust,  or even have a bank account with them.

But we are denied "JUSTICE" in this country.  Another thing morons who have replied suntrust did not apply the 3 payments that was made. They stole the vehicle but hey these days, people condone treated consumers wrong.  This was down right "DIRTY".

Suntrust lost our business forever.  I'm tired of being done "DIRTY.  Once just once i would like to get those crooks at suntrust back.  I also "IGNORE" the "BS" people post to me in my complaints.  Its just "SCARE TACTICS".
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#9 Consumer Comment

Chuckie

AUTHOR: Lord High Goblin - (United States of America)

You know this post is not true. Your car was  repossessed properly and legally. It was an oversight on our part that it took them that long to come get it. Just remember in the future to pay your bills in a prompt manner.

Hugs and Kisses from your betters.
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#10 Author of original report

These repoe people are nothing but scum of the earth there Is no need for them to be so hateful to people these finance companies do treat people wrong and wrongfully take peoples car

AUTHOR: Charles - (USA)

These repoe people are nothing but scum of the earth.  There Is no need for them to be so hateful to people.  These finance companies do treat people wrong and wrongfully take peoples car.
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#11 Author of original report

Yeah who makes life unfair people like you and crook financial companies like suntrust and thanks to bush and the republican party

AUTHOR: Charles - (USA)

Yeah who makes life unfair these crook financial companies like suntrust.  And the corrupt republican party,  all they do Is steal from people.  And republicans run suntrust bank.
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#12 Consumer Comment

Charles, LIFE is UNFAIR! Accept it, get over it, and MOVE ON!!

AUTHOR: Steve - (U.S.A.)

Charles,

GET OVER IT!! PLEASE!!!!!

Banks have certain criteria that must be met before they issue a repo order.

One late payment won't do it. Nor will two, or even three, in most cases.

You have to be a full 3 months late before they will usually even consider it, just because of the bottom line cost involved, HOWEVER, they CAN legally repo if you are even 1 day late, or even if they feel THEIR collateral is in jeopardy in any way.

Now, ONE MORE TIME. They did NOT "steal" anything! The LEGALLY secured THEIR collateral.

If you still feel the car was "stolen" WHY did you not file a police report and press criminal charges for car theft?? PLEASE EXPLAIN THIS...OR just go away.

I would bet that you had a payment history problem over the entire life of the loan, and that is why the bank made a BUSINESS DECISION to secure THEIR COLLATERAL in accordance with YOUR CONTRACT, and THE LAW.

Nothing illegal.

Nothing unethical.

Done.

Suggestion: Live and learn, pay your bills AS AGREED, and be happy.

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Steve You can defend suntrust all you feel like,  but they are a bunch of crooks.  You can blame,  blame,  blame,  all you feel like.  Everyone Is out to take advantage of people.

You just completely ignore what I am explaining,  suntrust also refused to update the prior payments that had already been made.   To show the account was more late. 

But suntrust gets all the "BAILOUT" money to save them from going under.  But do we get any help no
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#14 Author of original report

The problem was suntrust wanted the full pay off they knew the payments was going to be made but they chose to be buttholes about It this was unfair treatment

AUTHOR: Charles - (USA)

The problem was suntrust wanted the full pay off. This was unfair treatment what suntrust did.  They knew payments was going to be made.  But they already stole the vehicle & there was nothing could be done.

I am just tired off being screwed.
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#15 Consumer Suggestion

Charles, Learn the definition of "stealing" and realize this

AUTHOR: Steve - (U.S.A.)

Charles,

The banks have not stolen anything! Taking something back that THEY own cannot in any way be called stealing.

Actually, it is just the opposite! The DEADBEATS who buy these cars and houses and then do not pay as agreed are actually the ones who are "stealing".

It is really your sense of entitlement that really get gets me. Banks are NOT the "welfare office". They are IN BUSINESS to MAKE MONEY. What part of that do you not understand??

Banks owe you NOTHING!

Make your payments AS AGREED and they won't repo your stuff!

REAL SIMPLE CONCEPT!!

I suggest you lose the "welfare" mentality.

Get a job, pay your bills. Done.

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#16 Author of original report

Suntrust isn't the only finance company to pull this on people after they made payment arrangements and they take there vehicle anyway I blame the employers and insurance company

AUTHOR: Charles - (USA)

Suntrust isn't the only finance company to pull this on people,  after they made payment arrangements  & they take there car anyway.  This Is "STEALING".  But suntrust will not always get away with doing this to people.
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To steve we did not rip-off suntrust In anyway they was going to get paid, on 02/16/2007.  They knew this you'er nothing but a a*****e,  we did not rip them off In anyway,  they are nothing but a bunch off liars & thieves.

You are the one who Is saying slanderous things about me In my complaint.  Just to get people agaisnt me,  & make them think that.  This Is how these bad businesses get away,  with treating people wrong because off a******s like you.

This Is also consumer abuse! what suntrust has done & Is continuing to do to people.   Suntrust isn't the only car finance company to pull this on people,  alot of others do this to.
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#18 Author of original report

These car finance companies are stealing cars just like how these mortage companies are foreclosing on peoples homes just to be doing it

AUTHOR: Charles - (USA)

Car finance companies are stealing peoples care just like,  how mortage companies are foreclosing on peoples homes.  There Is no justice anymore In this country.
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#19 Consumer Suggestion

Charles, I suggest you look at the big picture here to avoid future problems

AUTHOR: Steve - (U.S.A.)

Charles,

Although your posts are somewhat repetitive, and even aggravating, I'm sure nobody on this site wants to see you hurt or dead. Actually, even though I have made harsh comments in the past, as well as much practical advice, that doesn't mean that I want to see you hurt or dead. I don't.

I am actually trying to help you, but you just don't see that.

You think everyone is out to get you. We are not. Nobody is.

The fact of the matter is that you just make bad decisions and you obviously do not meet your financial obligations as agreed. The contributors here that comment on your posts are just trying to get you to see things from a different perspective, and to help you avoid these situations in the future. That is my only intent when I post.

Banks are in business to make money. Banks are a FOR PROFIT business. They CANNOT listen to everyone's excuses on why they cannot pay. That is not their problem. It's your problem. Banks are not the social services office. They are not financial counselors either.

The ONLY pertinent fact here is that you entered into a financial agreement, and you did not hold up your end of that agreement as agreed. It is just that simple, and nothing else matters. Thats just reality. Doesn't matter if you like it, or if you agree, but that is the way it is.

And, the REPO was perfectly legal. That is what happens when you don't meet your obligations. You lose your stuff. You can't just keep things and not pay for them.

In reality it was YOU/Your Mom who "ripped off" the bank. They should be writing this rip off report!

Think about it!

In either case, it has now been almost 3.5 years and it is well past time to let this thing rest. Any further posts you make will not help anyone, nor will they hurt SunTrust in any way. Therefore, they are pointless.

PLEASE give it a rest.

Thank you, and good luck in the future.

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#20 Author of original report

I know people are happy this has happend because they think I should live under a bridge or even better dead they want bad things to happen you can't trust anyone anymore

AUTHOR: Charles - (USA)

I know people are happy this has happend because they think I should live under a bridge or even better dead.   They want bad things to happen.  You can't trust anyone anymore.

Everyone tries to ruin my life.

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Its time these fianance companies to stop abusing people.  I am tired off being screwed suntrust did this on purpose,  they knew payments was going to be made on that day.

But they are like everybody else out to "SCREW" with you.  Then suntrust demands people to pay for the full balance that Is owed,  knowing people don't have that kind of money.

This Is what gets me angry & everyone on this site who has made a comment.  In my complaint Is nothing but a bunch of "CROOKS" to.  I know they are happy this happend.

Because they want me to be homeless & living under a bridge or dead.  That Is never going to happen.

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#22 Consumer Suggestion

Charles, you REALLY should move on here after 3+ years

AUTHOR: Steve - (U.S.A.)

Charles,

I suggest you step back and look at this whole thing from a readers perspective, especially in light of all of your other "rip off" reports here on ROR. Just think about it. You never put your name in the original report, but I knew it was you, and I was the first responder. How is that?

All of this back and forth jibberish after 3 years is pointless. Time to "let go" and just move on. I suggest you use all of this as a learning experience.

Your original post claimed that the repo was "illegal". It wasn't. If it was, you surely would have filed charges on the repo company and won. You didn't. And, you surely would have filed a lawsuit for damages if the repo was done illegally. But, once again, you didn't, because it wasn't done illegally.

Just because you don't get your way doesn't make something a "rip off", nor does it make something "illegal".

SHOW ME the exact verbage of the law in ALABAMA that made the repo illegal. POST IT HERE.

SHOW ME where the law says that a person must be 90 days late before a repo can occur. SHOW ME.

The fact of the matter is that you/your Mom did not make payments as agreed in the contract you signed, and the collateral on that loan was taken back as agreed, and within the law.

PLEASE, let this issue rest, and use it as a learning experience.

 

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What Sun Trust did was dirty they knew payments was going to be made.  But with them being the crooks they are they didn't care.  Everyone wants to screw with you.  Alot of finance companies have pulled this on people.

After they made payment arrangements the finance company just take It anyway.  This Is what makes  Sun Trust a bunch of "CROOKS".  I am just tired of being done dirty & lied about!.
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#24 Author of original report

People can say whatever they feel like about me i will not stop living or just give up on life

AUTHOR: Charles - (USA)

People can say whatever they feel like about me I will,  not just stop living or give up on life.  But the people who reply to me are SCUM to treat somebody like that to make there problems worse.

Its called cyber bullying but I will not give up on life I would like to tell these,  people who comment to my report.  People fight me every chance they get for me not to get any type of "JUSTICE".

People think they can treat me wrong then move on with there lives,  they try to get away with everything they can about violating my civil human rights.  They can try to make things "HARD" for me all the feel like.

I will not give up on life.

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#25 Consumer Comment

Seriously?

AUTHOR: Mike - (United States of America)

Dude,  I'm not one to side with the debt collection/repo industry.  I've had my own financial issues and its no fun dealing with them.  But c'mon.  You ask why does everyone else insult you and treat you poorly?


With all due respect, it is not my intent to be rude or disrespectful to you.  I'm also sorry for whatever life events have made it difficult to meet your financial obligations in a timely manner.  But at what point do you stop and ask yourself..."gee maybe I am the problem here....maybe I'm the one that is missing something here"?


If you so adamantly feel that you were wronged, why don't you try and settle the issue in small claims court?


If we started a pool on who would win the case, my money would be on the bank/repo company.  They got you fair and square.  I hear you when you said you made "arrangements".  You're not hearing everyone else...there is a difference between "arrangements" and "actual payments".  Its a clear cut issue...kind of like being a little pregnant...either your pregnant or you're not and once the kid is born the courts don't care if you have "arrangements"...money needs to flow to support that child.  They'll garnish your wages and take your tax returns to help ensure you make good on those "arrangements"...

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#26 General Comment

LOL

AUTHOR: debtexpert - (United States of America)

Charles, I think if this website honest bothers you so much why do you come here. You have post all over this site saying how mean and rude people are to you. Why add stress to your life???


BTW: You have to tell me PLEASE PLEASE:  Why do you capitalize ALL the I's in you sentences??? Why? Inquiring minds want to know.

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#27 Author of original report

People should keep there rude opinions to themselves why Is It people want to try to put me down I have rights just like them to live

AUTHOR: Charles - (USA)

People should keep there rude opinions to themselves why Is It.  That people want to put me down so bad,  or cut me down.  I have rights just like them to live,  but people want to try to "EMBARASS" me say I am an idiot.

For exposing what wrongs have been done to me,  & they turn my report into their own attack charles report.  This Is just one way of people trying to get In the way of me receiving justice.

But nothing they say will ever get me "DOWN"  and I will not stop living.

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#28 Consumer Comment

Freakin hilariours, This is classic idiocracy at its finest!!! I just have to add my 2 cents.

AUTHOR: Buck - (U.S.A.)

All I can say is that this guy Charles is a complete Idiot (noticed I capitalized the "I" for him. The dates he gives are inconsistant. And it doesn't matter to the finance company if there was a wreck or not. It was not their fault you had to wait on an insurance settlement, did you not have proper insurance as you are required to have by law for liability and also comprehensive and collision as REQUIRED by you finance agreement with Suntrust. If you had proper insurance your insurance company would have taken care of you financially. But dude seriously I want to thank Charles this has been very entertaining, And I now know why people think we are all morons in Alabama. He can't spell the most simple of words. I just want to say that we are all not like him.

But to sum up this whole thing that has been going on for some time now:

Charles is a titty baby, and he is one of these people who try to abuse the system, and for once it didn't go his way and the law won. HE got made out to be an idiot not because someone tried to make him look like one, but because he is one. Get off your moms saggy tit and get a life of your own. But you keep saying the arrangements were made. True arrangements might have been made, but the truth of the story is, The payments were not made.
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#29 Author of original report

Well steve you should read the nasty post from this so call repoe agent from greensboro people don't have to be so hateful

AUTHOR: Charles - (USA)

Well steve you should read the nasty post from this so call repoe agent from greensboro.  There Is a nice way to talk to people without all the nasty comments.  The insurance money did buy a new vehicle.

Suntrust would had gotten the money for the late payments.  But they chose to repoe It so they get nothing.

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#30 Author of original report

The insurance company did not settled until summertime we did not cause this problem the insurance company driver caused this accident and these problems

AUTHOR: Charles - (USA)

Their was enough money In the bank to cover the payment to be made on 02/16/2007.  This Is what has me so angry & how suntrust lied they knew the payment was going to be made on 02/16/2007.

We was In an accident on 07/26/2006 & my mom lost her job but was able to collect unemployment.  I suggest people stop trying to picture what happen In their own words because they don't.

The payment got behind because my mother was waiting to get unemployment beneifts to make the payment.  But the insurance company did not settle until 06/2007.

I blame the insurance company for my mother losing the vehicle & suntrust.  This situation happend beyond our control.  These business always want to treat us wrong or take advantage.   

Suntrust Isn't a good business to get a car loan with.  they are dirty rotten scum.  I have tried to explain the situation about the car accident on 07/26/2006.  But nobody will listen to me.    

Because of some reckless driver who wasn't paying attention & their insurance company refused to settle In a timely manner.  Their was also a withness to the accident that the other driver pulled into traffic.

My mother was doing the speed limit 45 MPH but couldn't stop & hit the other driver.  But their was a withness saying the other driver did not stop & continued to pull into traffice.

But why did It have to be us the insurance company did pay $20,000 due to their had been a withness.  This would had been enough to pay off the loan.  But suntrust did not want to wait.  I still could not believe this happen.

But the police did not put my mother at fault for the accident because we had the right of way & the other driver was tickted & found guilty for not stopping.

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#31 Author of original report

Well steve suntrust backstabbed us they knew the payment was going to be made this Is what still angers me like everyone else has stabbed a knive In our back

AUTHOR: Charles - (USA)

Well steve suntrust backstabbed us they knew that the payment was going to be paid on 02/16/2007.  But this has happend to alot of people when they make payment, aggrangements.

Well steve you should have read the insulting rebuttal from the so called repo agent scum.   And that Is what this website Is all about Is to vent your anger when you have been backstabbed & screwed.

Suntrust unlawfully repossessed the vehicle I don't give a damn what anyone else thinks.  I don't like being back stabbed or done wrong,  suntrust Is a s***** bank for doing this.

Suntrust Is the most dirty car financing company out there to treat somebody like this.  They need to quit sending the remaining balance to collection agencies,  because they are never getting one penny.

You can file bankruptcy on that no wonder,  this economy Is so s***** because of car financing loans like suntrst. 

This Is a lesson learned you can't trust anybody anymore, because all they want to do Is screw you & hurt you.

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When people stop treating me unfairly & treating me like I am not human & mentally abusing me & stop trying to take advantage of me.  I deserve to be treated with equailty like everybody else.

I don't bother anyone and I don't deserve to be treated like shit.  But people still refuse to get It threw there mind they can't just treat me however they feel like.  But they are stubborn M*****  F****** and a bunch of assholes.

This Is also "HARASSMENT"  the more you treat me like shit the more I will fire back @ you.  I have "RIGHTS" to just like you but these people think,  they can violate me & "ABUSE" me.  Well I don't have to take shit from anyone.

All these people want to do Is "HARASS" me then they call me crazy & mental If I say anything back.  They are the crazy ones when you had enough you had enough!.  I will no longer be silence.

Why bother to look for a job all they do Is going to fire you or filie complaints agaisnt you. 

Then you here on the news these rich peoples kids get away with shoplifting something non rich people get put In jail for years.   I have had It with all these injustices & me not getting justice for how people "SCREW" me.

If people don't like me that Is to damn bad but they don't have the right to try to "RUIN" my life or treat me unfair.

People have the F****** nearve to tell me not to say anything,  after the F****** rude & insulting comments people leave to me.

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#33 Consumer Suggestion

Charles, take your meds, and stop cursing at people, then do this

AUTHOR: Steve - (U.S.A.)

Charles,

I cannot believe that after 3 years you are still pounding the same old tired subject!

And, cursing people out will not do anything for your situation. You are a VERY angry person. I suggest you take your meds, or get new ones that woek. After all my tax dollars pay for your welfare, so I'm authorizing it.

Bankruptcy will not usually protect your vehicle in bankruptcy, so forget that idea. In a liquidation BK, you can keep your primary vehicle if it is paid for and worth only a minimal amount. In a re-organization BK the referee will determine whether or not you can afford to keep it.

My suggestion to you is to live within your means, which means to stop buying things you know you cannot pay for. And, make your payments on time, every time. That is the only thing that helps your credit and makes a solid customer out of you.

FYI..The repo people do not work for the bank as they are outside contractors so they really don't want to hear your story. They hear it from every single deadbeat all day long, and your story is no different.

The bank doesn't need to hear your story either. Just make your agreed upon payment on time as agreed and there will be no problem.

However I do suggest that you find some way to manage your rage and bi-polar mania before you get on here on curse people out. That just shows you have a third grade mentality.

Grow up and be a man.

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#34 Author of original report

Lesson learned not to trust a finance company after you made a good faith promise to make payments then they stab you In the back

AUTHOR: Charles - (USA)

Lesson learned not to trust a finance company after you made a good faith promise to make the payments,  then they stab you In the back.  Well this will never happen again.

What they did was down right dirty.

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#35 General Comment

FYI author....

AUTHOR: debtexpert - (United States of America)

Um, just to let you know....you VERY RARELY are able to but car loans on bankruptcys.  In fact, I dont think I have ever seen it sucessfully done ( I have seen it attempted though).  You really should study the law before you threaten that.  BTW, if you think bankruptcy may be in your future, why would you take out a car loan??? Just asking.
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#36 Author of original report

Who are you to talk to people like that payment arrangements was made suntrust still decide to take It

AUTHOR: Charles - (USA)

Who are you to talk to people like that payment arrangements was made. YOU say I can't SPELL  This Is why nobody likes repoe people they don't care about peoples situation what caused them to be late.  And I don't have to take any "SHIT" from you or anyone else.

You got that "PIG" but these days all the car finance places are "CROOKES".  These days payment arrangements was made I don't give a F***   what anyone says or about my "SPELLING OR WRITING".        

Suntrust was nothing but a bunch of "LIARS" who are you to speak so "HOSTILE & ABUSIVE" to people.  Even If I have to file for "BANKRUPTCY" to keep you from touching my vehicle I "WILL".  We will not let this happen again.

People can be agaisnt me I don't give a shit.  So F*** you & everybody else.

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#37 Consumer Comment

da rpoe man stoled my cara

AUTHOR: Ammediate Recovery - (United States of America)

First of all, how did anyone accept your claims ? i sure hope they were not done in writing, because you can not spell. Second of all if the agent came to your house to return your personals? you should feel like a queen, because if i had repossessed your car you would have walked your ignorant ass to my office and paid $75.00 to get it back. Third and final , why is it the debtor always seems to know the law all the sudden, and know it better than someone who is in the repossession business. Just so the ones who read this and get all huffy because a recovery agent has found you and recovered the car that you refuse to pay for , i have given cars back at no charge and filled them with gas because they didn't come to my office with a line of crap about we did this and we did that,,,,, What we did was our J O B ! something you should check into.
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#38 Author of original report

Women business owners are the worst

AUTHOR: Charles - (USA)

Women business owners are the worst.  Read the female owners,  response In my complaint.  They have to be so hateful & abusive.  They are pieces of trash.
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#39 Author of original report

Suntrust Is like countrywide

AUTHOR: Charles - (U.S.A.)

Suntrust Is like countrywide they had the account all screwed up. They didn't apply the payment's that had been made.

Suntrust did this on purpose. Suntrust refused the payment & wanted the full payoff. They know people don't have that kind of money so basically we are screwed cause we can't pay It off In full.

We had the vehicle for a full 2 year's with no problems suntrust shattered my dreams.

Suntrust Is like countrywide. Suntrust did It sneaky like this cause they knew they where doing wrong.

Mabye suntrust will be investgated like bill heard Is for shady dealings.

They might get away with It for a long time but sooner or later It catches up with them!.
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#40 Author of original report

believe what you want

AUTHOR: Charles - (U.S.A.)

That Is because we didn't know suntrust was going to get the vehicle.
Suntrust knew the payment was going to be made on 02/17/2007.

I know nothing I say will get threw to you but I don't care. The payment was going to be made regardless what you think.

But suntrust wanted to have It there way. You don't have to believe me the payment was going to be made on 02/17/2007.

(I have bank records & payment receipts to show all the payment that where made.)

The other problem Is suntrust Is like country wide not applying payments to the account creating late fees & putting 30 day's past due on credit file on purpose.

I have already explained what happen If you still don't believe me then that Is not my problem.

Suntrust betrayed my trust they knew the payment was going to be made on 02/17/2007.

After what suntrust did I trust no business!.

Its to late to do anything know but I was going to report what suntrust did!.

I see alot of complaints on this site other bank's or car loans repoe people's car after making payment aggrangements. That Is wrong.

But suntrust chose to order the repoe anyways know there was payment aggrangements for the payment to be made on 02/17/2007.

But oh well suntrust wanted to be sneaky about It.

How nice of the repoe jerk to ring the door bell @ 7 o'clock A.M. to tell us they got the vehicle & gave there business card.

Why would they give there business card. Also suntrust would not except the payment.

Suntrust wanted full pay off they know people don't have that kind of money, this Is how they trick you when you sign the paper's.

Car loan companies know you don't have the money to pay It of, this Is another way to screw us consumers.
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#41 Consumer Comment

Be grateful it didn't happen this way.

AUTHOR: Nikki - (U.S.A.)

The bank can take their car if there is evidence of past late payments (and there were by your own admission), even if your payments are completely caught up. You see, they can take their car back if they have reason to believe you will be late again in the future.

They could have accepted your payment on 2/17 and then repoed the car on 2/18. Good thing they didn't do that or you would have been out that extra payment. A payment arrangement does not mean they promise not to repo your car.

When you made the payment arrangement, did you get something in writing where they agree not to repo the car if you make a payment on the 17th? You should have.
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#42 Consumer Comment

Be grateful it didn't happen this way.

AUTHOR: Nikki - (U.S.A.)

The bank can take their car if there is evidence of past late payments (and there were by your own admission), even if your payments are completely caught up. You see, they can take their car back if they have reason to believe you will be late again in the future.

They could have accepted your payment on 2/17 and then repoed the car on 2/18. Good thing they didn't do that or you would have been out that extra payment. A payment arrangement does not mean they promise not to repo your car.

When you made the payment arrangement, did you get something in writing where they agree not to repo the car if you make a payment on the 17th? You should have.
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#43 Consumer Comment

Be grateful it didn't happen this way.

AUTHOR: Nikki - (U.S.A.)

The bank can take their car if there is evidence of past late payments (and there were by your own admission), even if your payments are completely caught up. You see, they can take their car back if they have reason to believe you will be late again in the future.

They could have accepted your payment on 2/17 and then repoed the car on 2/18. Good thing they didn't do that or you would have been out that extra payment. A payment arrangement does not mean they promise not to repo your car.

When you made the payment arrangement, did you get something in writing where they agree not to repo the car if you make a payment on the 17th? You should have.
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#44 Author of original report

I have bank statements and payment receipts to prove

AUTHOR: Charles - (U.S.A.)

I have bank statements & payments receipts to prove my side of the story.

If people still choose not to believe me that Is fine I don't really care anymore.

Suntrust stole the vehicle. After what suntrust did It will take me a long time to trust people or any business!.

People just ignore the fact that I have bank statements to prove when suntrust took the money & payment receipts & the date they took the payment out!.

What suntrust did was lowlife sneaky & dirty!. But they will get theres back one day!.

I know people are happy that we lost our vehicle & they are laughing! but we will have the last laugh!.

I don't care what people say I have bank statements & payment receipts to prove the payments that was made on the loan.
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#45 Consumer Comment

Education for Charles regarding REPOs

AUTHOR: Steve - (U.S.A.)

SEE MY [ANNOTATIONS] below:

>>>
Submitted: 8/28/2008 8:43:53 AM
Modified: 8/29/2008 11:09:13 AM Charles
Phenix City, Alabama
U.S.A.

The payment was going to be made
The payment was going to be made I don't care what anyone says!. Suntrust just wanted to play dirty!. Suntrust betrayed my trust they are a scum of a business to treat people this way!.
**[You and/or your mommy betrayed the trust of the bank by not making your car payments!].

They are scum cause they knew the payment was going to be made on 02/17/2007 they are liars & fraud!. What suntrust did was dirty & low!.
**[NO, they only did what they were entitled to do under the law!!].

How nice of the repoe guy to ring the door bell @ 7 o'clock A.M. In the morning to tell us he got the vehicle & gave there business card what an asshole!.
**[Would you have rather just woke up and found the car gone and not known who took it, or are you just mad that you got woke up at 7AM?].

National recovery just wanted to embarass us infront of our neighbors, they also broke the (breach of peace) which all repoe companies do!.
**[I'm sure you do a fine job of embarrasing yourself in front of your neighbors all by yourself!].

If we had caught them In the act & they refuse to leave our property we could had them arrested for tresspassing & for thief!.
**[So what, they would leave and just get it somewhere else, like at Wal-Mart when you are standing there with your groceries and a dumb look on your face!].

What suntrust did was dirty & sneaky they have betrayed my trust!.
**[So you have some sense of entitlement that you can be as late as you want on your car payments, right?].

Well I do have bank statement's & payment receipt's to prove the payment was not 70 day's past due.
**[It makes no difference if it was 70 days or 7 days, or even 1 day! Late is late, and REPO when late is LEGAL!].

I would love for suntrust & how they will argue agaisnt that cause they know they stole the vehicle, suntrust are rats & scum!.
**[Nobody "stole" the vehicle. You could be accused of theft for using the vehicle and not paying for it!].

Suntrust fail to tell national recovery that the payment was going to be made on 02/17/2007.
**[Suntrust had no intention of telling anyone anything, they wanted at least PART of the money you owed them, AND the car!].

What's the problem?



>>>
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#46 Author of original report

The payment was going to be made

AUTHOR: Charles - (U.S.A.)

The payment was going to be made I don't care what anyone says!. Suntrust just wanted to play dirty!. Suntrust betrayed my trust they are a scum of a business to treat people this way!.

They are scum cause they knew the payment was going to be made on 02/17/2007 they are liars & fraud!. What suntrust did was dirty & low!.

How nice of the repoe guy to ring the door bell @ 7 o'clock A.M. In the morning to tell us he got the vehicle & gave there business card what an asshole!.

National recovery just wanted to embarass us infront of our neighbors, they also broke the (breach of peace) which all repoe companies do!.

If we had caught them In the act & they refuse to leave our property we could had them arrested for tresspassing & for thief!.

What suntrust did was dirty & sneaky they have betrayed my trust!.

Well I do have bank statement's & payment receipt's to prove the payment was not 70 day's past due.

I would love for suntrust & how they will argue agaisnt that cause they know they stole the vehicle, suntrust are rats & scum!.

Suntrust fail to tell national recovery that the payment was going to be made on 02/17/2007.
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#47 Author of original report

The payment was going to be made

AUTHOR: Charles - (U.S.A.)

The payment was going to be made I don't care what anyone says!. Suntrust just wanted to play dirty!. Suntrust betrayed my trust they are a scum of a business to treat people this way!.

They are scum cause they knew the payment was going to be made on 02/17/2007 they are liars & fraud!. What suntrust did was dirty & low!.

How nice of the repoe guy to ring the door bell @ 7 o'clock A.M. In the morning to tell us he got the vehicle & gave there business card what an asshole!.

National recovery just wanted to embarass us infront of our neighbors, they also broke the (breach of peace) which all repoe companies do!.

If we had caught them In the act & they refuse to leave our property we could had them arrested for tresspassing & for thief!.

What suntrust did was dirty & sneaky they have betrayed my trust!.

Well I do have bank statement's & payment receipt's to prove the payment was not 70 day's past due.

I would love for suntrust & how they will argue agaisnt that cause they know they stole the vehicle, suntrust are rats & scum!.

Suntrust fail to tell national recovery that the payment was going to be made on 02/17/2007.
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#48 Author of original report

The payment was going to be made

AUTHOR: Charles - (U.S.A.)

The payment was going to be made I don't care what anyone says!. Suntrust just wanted to play dirty!. Suntrust betrayed my trust they are a scum of a business to treat people this way!.

They are scum cause they knew the payment was going to be made on 02/17/2007 they are liars & fraud!. What suntrust did was dirty & low!.

How nice of the repoe guy to ring the door bell @ 7 o'clock A.M. In the morning to tell us he got the vehicle & gave there business card what an asshole!.

National recovery just wanted to embarass us infront of our neighbors, they also broke the (breach of peace) which all repoe companies do!.

If we had caught them In the act & they refuse to leave our property we could had them arrested for tresspassing & for thief!.

What suntrust did was dirty & sneaky they have betrayed my trust!.

Well I do have bank statement's & payment receipt's to prove the payment was not 70 day's past due.

I would love for suntrust & how they will argue agaisnt that cause they know they stole the vehicle, suntrust are rats & scum!.

Suntrust fail to tell national recovery that the payment was going to be made on 02/17/2007.
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#49 Consumer Comment

CHUCK!!!!!!

AUTHOR: Resty - (U.S.A.)

Not every word in the English language that starts with the letter " I " needs to be capitalized. FGS you're spelling and syntax is terrible.......its no wonder you arent employable. Go take some special classes FGS.....learn a trade......do something with your life other than posting here over and over until you drive everyone nuts.!!!!!

This is over a year old now......WHO cares anymore!!!!!
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#50 Author of original report

update

AUTHOR: Charles - (U.S.A.)

Of course ya'll would defend them. And ya'll just keep reading past where I said the payment was suppose to have been made 02/17/2008.

Suntrust ordered the repoe anyway's ya'll can say It wasn't wrong ya'll all feel like!. I also have bank statement's & payment receipts to prove the payment wasn't 70 day's past due.

Suntrust went ahead & ordered the repoe knowing the payment was suppose to be made on 02/17/2007. Well that Is ok.

We got another vehicle know people can defend suntrust & national recovery for all I care!.

How nice of the repoe jerk to ring the door bell to tell us they got the vehicle, & gave there business card!. How cruel!.

The payment was going to be made! & people can ignore what I say all they want, but the payment was going to be made!.

I don't care what anyone says!.
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#51 Consumer Suggestion

Get out of the kitchen

AUTHOR: Cat - (U.S.A.)

It should not matter cause she has a "new car" now, right? I am wondering how long it is going to take til this "new car" will also be repossessed? lol Please, your mother was behind on payments. You made the report, if you do not want the heat, get out of the kitchen!
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#52 Consumer Comment

Charles, it wasn't illegal.

AUTHOR: J G Shrugged - (U.S.A.)

Nothing. Period.

Your first report said it was repo'd on 2/16 and you had to file a stolen vehicle report.

You last rebuttal said it was repo'd on 2/17 (or was it 2/10) and they left a note telling you it was repo'd!

There is no law that says it can only be repo'd at night. There is no law that says you have to be notified before they do. There is no law that says they can't go on private property to repo. (The only exception to that would be if they have to break & enter a garage, or break a lock on a gate)

Even if your mother contacted them the same day as the repo - guess what - I'll bet that the repo had ALREADY been authorized so it wouldn't have mattered. Even then - you keep saying it was "payment arrangements"... well, unless you paid the account in full on 2/17 via wire transfer - it wasn't paid - you were already extremely past due on the account, basically breaching your word to pay on time when you bought the car, and then someone promises on your account that it will be paid? I wouldn't believe it until I saw the money.

Cancelling a repo takes time.
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#53 Author of original report

update

AUTHOR: Charles - (U.S.A.)

Well well It seems national recovery responded to my rip-off report but not the better business bureau or attorney general complaint.

The payment was suppose to be made on 02/17/2007 national recovery breached the peace agreement they where suppose to come get the vehicle In the middle of the night.

Not at 7 o'clock a.m. In the morning to embarass us infront of our neighbors.

How nice of the repoe jerk to ring the door bell to tell us that got the vehicle & left there business card.

If we had caught them In the act sense this was our property we had the right to tell them to leave & if they didn't leave they would be introuble.

There repoe guy was a jerk this. Suntrust failed to tell them that payment was suppose to be made on 02/17/2007 but they ordered the repoe anyways.
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#54 Author of original report

To steve

AUTHOR: Charles - (U.S.A.)

You don't know the whole situation my mother isn't on welfare either, get your facts strait before posting your false accusations. My mother said suntrust isn't reporting anything they have deleted the account.

Has usually you are missing the point my mother had made payment aggrangements on 02/17/2007 but suntrust wanted to be assholes about but my mother has a new car know.

Suntrust thought they where being smart but they stepped into there own pile of crap they are not reporting anything bad. Who are you to judge people steve.

I know people are just loving It & laughing seeing us In these hardtimes but suntrust & everyone else will all get what they deserve & all these companies like suntrust who steal from people.

Also steve we will come out of these hardtimes suntrust thought they where smart but they weren't. We are not the cause of these hardtimes.

Suntrust decided to be a-holes & take the vehicle but they will reap what they sow & alot of these other companies to who are involed In wrong doings & stealing from innocent people who had every intentions of paying.

It will be a long time before I am able to trust people or businesses after what suntrust did.
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#55 Author of original report

To steve

AUTHOR: Charles - (U.S.A.)

You don't know the whole situation my mother isn't on welfare either, get your facts strait before posting your false accusations. My mother said suntrust isn't reporting anything they have deleted the account.

Has usually you are missing the point my mother had made payment aggrangements on 02/17/2007 but suntrust wanted to be assholes about but my mother has a new car know.

Suntrust thought they where being smart but they stepped into there own pile of crap they are not reporting anything bad. Who are you to judge people steve.

I know people are just loving It & laughing seeing us In these hardtimes but suntrust & everyone else will all get what they deserve & all these companies like suntrust who steal from people.

Also steve we will come out of these hardtimes suntrust thought they where smart but they weren't. We are not the cause of these hardtimes.

Suntrust decided to be a-holes & take the vehicle but they will reap what they sow & alot of these other companies to who are involed In wrong doings & stealing from innocent people who had every intentions of paying.

It will be a long time before I am able to trust people or businesses after what suntrust did.
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#56 Author of original report

To steve

AUTHOR: Charles - (U.S.A.)

You don't know the whole situation my mother isn't on welfare either, get your facts strait before posting your false accusations. My mother said suntrust isn't reporting anything they have deleted the account.

Has usually you are missing the point my mother had made payment aggrangements on 02/17/2007 but suntrust wanted to be assholes about but my mother has a new car know.

Suntrust thought they where being smart but they stepped into there own pile of crap they are not reporting anything bad. Who are you to judge people steve.

I know people are just loving It & laughing seeing us In these hardtimes but suntrust & everyone else will all get what they deserve & all these companies like suntrust who steal from people.

Also steve we will come out of these hardtimes suntrust thought they where smart but they weren't. We are not the cause of these hardtimes.

Suntrust decided to be a-holes & take the vehicle but they will reap what they sow & alot of these other companies to who are involed In wrong doings & stealing from innocent people who had every intentions of paying.

It will be a long time before I am able to trust people or businesses after what suntrust did.
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#57 Author of original report

To steve

AUTHOR: Charles - (U.S.A.)

You don't know the whole situation my mother isn't on welfare either, get your facts strait before posting your false accusations. My mother said suntrust isn't reporting anything they have deleted the account.

Has usually you are missing the point my mother had made payment aggrangements on 02/17/2007 but suntrust wanted to be assholes about but my mother has a new car know.

Suntrust thought they where being smart but they stepped into there own pile of crap they are not reporting anything bad. Who are you to judge people steve.

I know people are just loving It & laughing seeing us In these hardtimes but suntrust & everyone else will all get what they deserve & all these companies like suntrust who steal from people.

Also steve we will come out of these hardtimes suntrust thought they where smart but they weren't. We are not the cause of these hardtimes.

Suntrust decided to be a-holes & take the vehicle but they will reap what they sow & alot of these other companies to who are involed In wrong doings & stealing from innocent people who had every intentions of paying.

It will be a long time before I am able to trust people or businesses after what suntrust did.
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#58 Consumer Comment

Charles...What does any of this have to do with me?

AUTHOR: Steve - (U.S.A.)

Charles,

You addressed your post to me. WHY?????
It has nothing to do with me, or anything I said.

You are a genuine moron. Get back on your meds.
That REPO will be reported to the credit bureaus, AND they will sell it at auction and come after your mommy's welfare check for the deficiency.

>>>
Submitted: 7/29/2008 11:56:47 AM
Modified: 7/29/2008 4:19:07 PM Charles
Phenix City, Alabama
U.S.A.

To steve
My mother got a bran new vehicle shortly after the bad dealing suntrust did. This time she can pay online & she said suntrust did not report the vehicle got repoed they deleted there account from all credit bureau.

Suntrust knew the payment was going to be made on 02/17/2007 but they wanted to be jerks about It . On the new car the payments are paid on time but I still don't trust any banks or finance companies.

After how suntrust betrayed my trust.



>>>
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#59 Author of original report

To steve

AUTHOR: Charles - (U.S.A.)

My mother got a bran new vehicle shortly after the bad dealing suntrust did. This time she can pay online & she said suntrust did not report the vehicle got repoed they deleted there account from all credit bureau.

Suntrust knew the payment was going to be made on 02/17/2007 but they wanted to be jerks about It . On the new car the payments are paid on time but I still don't trust any banks or finance companies.

After how suntrust betrayed my trust.
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#60 Author of original report

update

AUTHOR: Charles - (U.S.A.)

Any bank can say you are behind, suntrust knew the payment was suppose to be made on 02/10/2007. Suntrust is a very bad business. What suntrust did was very dirty.

I thought they did repoes in the middle of the night not in the morning well national recovery wanted to embarass us infront of our neighbors , then after the got the vehicle in the street then they ring the door bell.

I don't care what the owner says the payment was suppose to be made on 02/19/2007. There was a failure to communicate on suntrust part they didn't relay this to the right departmant that the payment was suppose to be made on 02/19/2007.


I don't care what the owner says or anyone else the payment was going to be made on 02/19/2007, & suntrust knew this. Suntrust chose to be a-holes about it.
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#61 Author of original report

Suntrust refused payments

AUTHOR: Charles - (U.S.A.)

Suntrust refused payments they wanted to be jerks, the owner said the payments should had been made well they where payment aggrangements made to be made on 02/17/2007 the day they repossed the vehicle.

The repoe guy was a jerk like they all are trying to abuse there power over defenseless people, if we had caught him in the act we had the right to tell him to stop if he didn't we called the police.

Suntrust didn't say there was a problem with the account my mother tried to make the late payment but they refused, they had no right to reposse the vehicle.

My mother know doesn't trust any bank's or fiance companies, she makes sure they get the aggrangements & the payments so this would not happen again.

There was a failure to communicate on suntrust part, they unfairly repossed the vehicle, well my mother did file a stolen vehicle report.

Suntrust wanted to be assholes, well she trust no bank or finance company know but she makes sure the payments are sent to them & if any payment aggrangements are made she gets it in writing.
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#62 Author of original report

update

AUTHOR: Charles - (U.S.A.)

I don't care if people don't believe me. People try to pick on me on this site but I don't allow them to. All I have to do is show the bank statement's & bank receipt's to prove my side of the story.

This repoe was illegal. Suntrust did not send any letter's or anything that there was a problem with the account so this repoe was illegal. Suntrust betrayed our trust well bank's & finance companies betray everybody.
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#63 Consumer Comment

Don't see how this is illegal

AUTHOR: Shooter McGavin - (U.S.A.)

I read all the info about this report and I fail to see how the repo company or the bank is at fault. The bottom line is that you were behind in your payments and that is why the property was taken back. You keep saying that you made arrangments...arrangements are not payments. Banks do not have to make arrangments with you they can demand payment at any time. Most make arrangments with you because they want you to repay what you borrowed, they lose money if they repo the property and send it to auction. I keep reading the same thing for you...this is everyone elses fault but yours.
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#64 Author of original report

update

AUTHOR: Charles - (U.S.A.)

I am not going to sit here & argue back & forth. My mother already had payment aggrangements made on that day but suntrust thought it would be funny to repoe the vehicle. Then they demanding my mother to pay the full pay off which she didn't have.



So this is why the repo was illegal. Suntrust did not send any letter stating there was a problem with the account payment's where being made. Also suntrust had my mother's account messed up & they where not reporting the payment's being made.


Suntrust also did this so they could repoe the vehicle. I'll be happy to provide bank statement's all a bank has to do these day's is order a repoe they can make up any lie they want to, & say you are behind just to take the vehicle.


If you are making payment's & have made payment aggrangement's & they repoe your vehicle this is stealing.
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#65 Consumer Comment

Don't fret it Mary Jane.

AUTHOR: John - (U.S.A.)

This loser has many, many bogus complaints on this site. He has been told how stuff works yet somehow, everyone else in the world is wrong. I must laugh that this is just another point of proof as to why collection agencies are after him yet he claims unfairly. No one that reads his crap believes him and just laughs at him. I can't believe he didn't pull the racist card with you like he has against others like the EEOC, Attorney General, etc.
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#66 REBUTTAL Owner of company

PAYMENTS NOT BEING LATE???

AUTHOR: Mary Jane Hogan, President Of National Locating - (U.S.A.)

You first posted that the December payment was made in January. You said nothing of the January payment being made at all only that arrangements were made to pay on 2/16. So how can you say the payments were not late? If you were current on all payments then why were payment arrangements pending for 2/16? Pending to pay what payments? I have never heard of someone making arrangements to pay a current payment.

No we did not come in the middle of the night, even though that would have also been legal. And yes we can lawfully come onto your property to recover the bank's property any time day or night as long as we do not breech the peace. Read the terms of your contract. We were there at 6:30 in the morning and reported the repossession to the Phenix City PD. All a matter of documented record.

I have not, in anyway, attacked you or have I spread hateful lies. You filed a complaint against my Company and I only responded to your complaint. Or is it illegal for me to do that too?
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#67 Author of original report

The car payment was not late

AUTHOR: Charles - (U.S.A.)

I do not know the crap suntrust told you but the payment's where already made. My mother already had made payment aggrangment's what you say is typical of businesses trying to hide something, & also you don't know the current situation my mother was in.


I can show you bank receipt's & my mother's bank statement's to prove the last time suntrust was paid. I will be glad to post this info to my report & it will prove the repo was illegal.


I, do not need anymore crap from this repo company then what they & suntrust already put me & my mother threw coming in the middle of the night, & my mother not knowing there was a problem with the accident.


Suntrust, betrayed my mother's trust I don't have to read this companies negative or hateful rebuttal it's the truth well they have already got the vehicle, they do not need to be spreading anymore of there hateful crap & lies on this website.

Any, bank can order a repoe regardless if you are not late which is what suntrust did. I will be happy to provided bank statement's & bank


receipt's to prove suntrust wrong & prove you wrong.
You had no right to come on our private property if we saw you we would have had the right to ask you to leave, you you didn't leave


peacefully we would then call the police & have you arrested & for (stealing) the vehicle & brought charges agaisnt your repoe company.


Suntrust is nothing but a bank of crooks & liar's just like national locating.
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#68 Author of original report

Suntrust stole the vehicle

AUTHOR: Charles - (U.S.A.)

Suntrust stole the vehicle. The payment was not 74 day's past due. This was private property & national locating had no right to come on to my mother's private property. My, mother already had made payment
aggranements to make the payment's on 02/16/2007.


The day the vehicle was repossed. Suntrust, betrayed my trust & my mother's trust.
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#69 REBUTTAL Owner of company

You should have made your car payments

AUTHOR: Mary Jane Hogan, President Of National Locating - (U.S.A.)

I am the owner and President of National Locating & Recovery and I am not ashamed to give my name, Mary Jane Hogan. Yes on 2/16/07, we repossessed Kathy's 05 Ford F150. And Kathy I do remember you very well because you blew my phone up screaming and yelling.

For your information and anyone else that finds themself in this situation let me state the true facts.

The State of Alabama is a self-help State. You do not even have to be behind on your payments for your vehicle to be repossessed. If the bank feels their unit is in jeopardy for any reason they can have the unit repossessed. If your insurance has lapsed, if you move and do not give the bank your new info, etc. When you sign your contract you give the Bank the right to come on your property and peacefully recover THEIR property when you default on the payments.

But Kathy that was not your problem. You were delinquent in your payments. And the statement made that you were not two months behind does not matter. The fact you were supposedly going to make a payment that day does not matter. The fact that matters is you were past due and the Bank sent my company the assignment to repossess your truck. We did not breach the peace in any way. We never even made contact with you during the repossession process.

The fact you left out and misrepresented was that yes we did come back and attempt to return your personal property to you. You slammed the door in my agent's face and demanded we leave your property, which we did because that would have been a breach of the peace if we had not. So how were we able to make any attempt to make pictures of your so called damaged drive way?

Nothing about this repossession was illegal. You were past due and we legally and peacefully repossessed your vehicle. And no I did not respond to the BBB complaint because it would be illegal for me to give a third party your personal information which I would have had to do in responding.

The facts that consumers need to know is there are no laws or rules in how far past due you may be before your vehicle is assigned out for repo. Every Financial Institution has their own guidelines they go by. Some may go 6 months where others may go 1 week. Especially if you have a history of being delinquent. I would advise all consumers to keep their payments current or keep in touch with their Financial Institution. Trust me the banks do not want your cars they want their money. If you will keep in contact with your lienholder and advise them you are having financial difficulty, most will make arrangements with you. But the key here is to keep the arrangements and to keep in contact with the lienholder. COMMUNICATION!

I have been in business for 26 yrs. I am not scum. I am not lowlife and I surely do not enjoy being mean to people. I try my best to be the middle person in helping both parties come to a resolution that makes both sides happy. No this cannot always be accomplished and I do not have a pleasant job but someone has to do it. I train my people to be curtious and respectful at all times when dealing with debtors. Who knows that my situation could not change tomorrow and I could be on the receiving end.

Does anyone out there think for one minute if I did not make my truck and car payments, someone would be taking my vehicles just as this has happened to you and many others??

Respectfullly,
Mary Jane Hogan, President
National Locating & Recovery
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#70 Author of original report

Yes the repo was illegal

AUTHOR: Anonymous - (U.S.A.)

My mother made aggrangements on the day the bank repoed the car the bank broke their end of the aggrangement u dont know the whole story, yes the repo was illegal the bank dod not update their records. So natural u are going to say I am wrong & defend the bank & their mistakes they have made which caused this the repo was unlawful & illegal the bank knew my mother was going to pay on 02/16/2007.

A person has to be 3 months 90's past due for a bank to repo your car which my mother was not 90's late I don't care what people say on this website, the bank did not update their records for the payments made. My mother was only behind for 01/2007 the bank is trying to say my mother did not make the 12-2006-02/2007 to show 60 days past due, theirfore the bank cannot repo the vehicle.

My mother made the 12-2006 payment on 01/05/2007 5 days after the due date & the bank did not update their records, know they ordered the repo. The bank & the repo company violated the breach of peace & my mother & I can sue the bank for damanges for repo the vehicle illegally after my mother had legitimate payment aggrangements on 02/16/2007.

I have explained this & I am not going to explain this over & over so feel free to comment to my report, but I am not going to explain what happen over & over.
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#71 Consumer Suggestion

Charles, the repo was not illegal.

AUTHOR: Steve - (U.S.A.)

If you are even 1 day behind, the bank can LEGALLY repossess your car.

FYI..Black marks on a driveway are NOT considered to be DAMAGES. You CAN wash them off.

And, if you don't have a job and only live on SS at Mom's house, HOW do you think you can afford a car payment?

Time for a reality check.
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