TitleMax is a perfect example of a business with a license to RIP PEOPLE OFF!!. They pray on people in there very worst time of need and put these commercials on tv portraying their company as helping people in their time of need. This COULD NOT be further form the truth. Oh they are very nice when you come in and need the money, and tell you not to worry that they are there to help and to just call if you need ANYTHING. Well the first time you are a day late, no matter how much you have paid them, or how long you have been on time, they treat you like you are the lowest form on earth and demand the vehicle or the complete payoff. I worked for a friend that repoed for TitleMax so I know first hand how they operate. I refused to repo another vehicle when he had to go pick up a vehicle from a 20 yr old lady who was a single mother, working,and only owed about $375.00. She was 35 days behind and they took her vehicle while she was at work. The vehicle had a childs seat in it, her cell phone, and lunch bag. They sold the vehicle at auction for whatever it would bring. Recently, we were finacally strapped and made the grave mistake of borrowing $600.00 on our 96 Blazer. We have made payments for about a year and never missed or was late (other than a couple of days) until this month. The vehicle broke down on us and was our only transportation. We advised TitleMax that we were going to have trouble with our payment this month due to having to make repairs to get the vehicle useable again. To begin with we were told to stay in touch with them and to try and make or payment as soon as possible. My wife talked to them every other day for the past 15 days. Last week we found out that they had been calling all of our family and friends. A couple of days ago an employee came to our house and said that she needed to physically confirm that the vehicle was disabled. I showed her where it was parked in front of the garage and asked why she was here when we had just talked to the manager the previous day. She had a smart assed attitude so I told her to get off my property and to not return. Of course she contacted the store manager and gave her version of events. Later my wife called the store and spoke to Niki the store manager. After explaing what had happened and apologizing for the confortation, she was once again told by the manager to call her every other day and keep her advised of the status and they would stop calling our family and friends.
Today we get a call before we have a chance to call them, and had to go thru the whole story again. My wife asked her what they wanted us to do now and she said that they decided that they were not goining work with us at all and that we could either pay the account in full or surrender the vehicle. My wife and I are both disabled and neither of us draw any kind of check. I am a disabled veteran and to say the least it takes all we can do to make it sometimes. That aside, NOBODY should be subjected to this type of businesses especially during these times. If you need money bad enough to resort to using TitleMax, You would be better off dealing with a Loan Shark in some dark corner somewhere. Just for your info, Tennesse residents should know that Tennessee is a non forced repo state. This means unless they have papers signed from a JUDGE, you DO NOT have to surrender your vehicle to ANYONE. Make them take you to court. If a Repo person comes on your property and does not have paperwork from the courts, you have the right in Tennessee, to tell them to leave your property. If they refuse, call the police. They are trespassing. Oh they may have papers, but they are only meaningless papers from TitleMax. Protect your rights. If the vehicle is blocked in, say by another vehicle, they cannot move anything or damage your property in any way to retrieve that vehicle. STAND UP TO THESE CROOKS!!!