• Report: #201322

Complaint Review: United Auto Credit

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  • Submitted: Sun, July 16, 2006
  • Updated: Mon, July 24, 2006

  • Reported By:hampton Virginia
United Auto Credit
4164 Virginia Beach Blvd Ste 101 Virginia Beach, Virginia U.S.A.

United Auto Credit HAS NOT ALLOWED ME THE RIGHT TO REDEEM MY CAR/HAS NOT RETURNED CALLS RIPOFF Virginia Beach Virginia

*UPDATE EX-employee responds: Did they really repossess it?

*UPDATE EX-employee responds: Did they really repossess it?

*UPDATE EX-employee responds: Did they really repossess it?

*UPDATE EX-employee responds: Did they really repossess it?

*Consumer Suggestion: Contact them ASAP in person

*Consumer Suggestion: They may want full payoff.

*Consumer Comment: Your usual rubbish Marc

*Consumer Comment: First, it's not your car, it doesn't belong to you.

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I purchased a car from United Auto Credit in
April of 2004. I lost my job, but I was continuing to make payments. But, I was never 2 or 3 months behind. Not even close. Apparently they reposess cars after being only a few days late. Recently they reposessed my car. They had been contacting people with the same last name as mine out of the phone book! Now I don't have a popular last name. There are about 20 people in the phonebook with the same last name, so I guess he figured he'd find someone related to me. The company claimed that they have been calling my references. My references have told me that they had not received any calls from United Auto Credit. I put down very reliable people. Now I had called them 3 times in one week aksing my balance due to redeem my car. No one can give me answer. I called the company on 07/11/2006, 07/12/2006,07/14/2006 and I left a message today, Sunday 07/16/2006 for them to receive first thing Monday morning when they get in. I know there is a time limit to get my car back and they haven't contacted me by mail or phone. They also claimed that they left a note on my door 06/27/2006. I have a neighbor whom I am very close to who stays home all day. She can here anyone opening my screen door or knocking on my door. I have alsways aksed her that if any notes, letters or packages are left on my door to please hold them for me thill I get home. She stated that she never heard any one knock onthe door or see a letter on my door. I asked 2 other neighbors they said that they hadn't seen anyone. Now, mind you, I live in an area where most people are older the areais small and most people sit home all day. They see and hear everything. Their past time is seeing what goes on outside. That is 3 people who told me no one left a note on my door that day. I just want my right to redeem my car. I think they are procrastinating so my next due date can come up so they can added another payment to what is owed. I also forgot to mention the same day they reposessed my car I called them that day to say I just sent the payment off in the mail. The first and only time I spoke to the manager whose name is Mr.Pleasant he told me that he sent the payment back. It has been 10 days no payment has been received back from him. It only takes 2 to 3 days for mail to get to or be received from Virginia Beach. I snet my payment in on a friday 07/07/2006. They received on 07/11/2006. It is now 07/16/2006. No money has been sent back to me yet. I just want the chance to redeem my vehicle or the $260.00 back that Mr. Pleasant claimed he sent back to me.

Harriet
hampton, Virginia
U.S.A.

This report was posted on Ripoff Report on 07/16/2006 09:08 AM and is a permanent record located here: http://www.ripoffreport.com/r/United-Auto-Credit/Virginia-Beach-Virginia-23452/United-Auto-Credit-HAS-NOT-ALLOWED-ME-THE-RIGHT-TO-REDEEM-MY-CARHAS-NOT-RETURNED-CALLS-RI-201322. 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:
0Author 8Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

Did they really repossess it?

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

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506
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#2 UPDATE EX-employee responds

Did they really repossess it?

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

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506
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#3 UPDATE EX-employee responds

Did they really repossess it?

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

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506
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#4 UPDATE EX-employee responds

Did they really repossess it?

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

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506
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#5 Consumer Suggestion

Contact them ASAP in person

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

Harriet,

Go down in person. They can't ignore you that way.

Marc as usual a great IGNORANT post. Get a life!
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#6 Consumer Suggestion

They may want full payoff.

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

They can ask for up to the full payoff of the loan plus repo costs to give the car back. The car may not be worth that. They do not have to accept a smaller amount such as just paying the back payments. Only a few states have "right to redeem" where they have to offer a deal of less than the full balance (unless the car has been repo'd twice). I don't think Virginia is one of them.

If you have the money to pay all the back payments, the repo fee, and perhaps a payment in advance, offer that to them. If you don't, your best bet now may be to hope that they DON'T follow legal procedures to notify you; this gives you some legal defenses against having to pay a deficiency later.
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#7 Consumer Comment

Your usual rubbish Marc

AUTHOR: Wally - (Australia)

Very positive stuff from you as usual Marc. Every repo generates more money for you and your tow truck. It was a nice touch calling the OP a deadbeat, as if you would know. You and your bosum buddy Robert need to take a look in the mirror if you want to see deadbeat. Ever heard of compassion, tolerance and a fair go? No, I didn't think so!

Harriet, hold your head high and good luck with your problem. Ignore the likes of Marc - he doesn't have enough confidence in his work to accept credit cards as payment because he knows he is a fringe dweller who preys on peoples misery - and he loves it as you can tell from his infantile rebuttal!
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#8 Consumer Comment

First, it's not your car, it doesn't belong to you.

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

They were well within their rights to repo their car as you didn't keep up with what you agreed to on the contract. Why is it so hard for them to contact you, did you give false information when you bought the car? Next,They can't give you a price because the price changes every day as the fees continue to add up, and you are a proven bad deadbeat risk at this point. They would rather auction the car and let you pay the difference. If you're lucky the car hasn't depreciated too much while in your possession because you are still liable for the loss of value. You'll get your check back eventually, probrably at the same pace as you made your payments. Better luck next time.
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