Long story short, we made a $900 payment on December 26, 2008 after being told that repossession would be stopped if one payment was made. We made two plus added extra for fees. Repossession was confirmed stopped on December 29, 2008.
We continue to receive phone calls from Westlake demanding payment with statements made that the person repossessing the car will be there in 20 minutes if we didn't make payment. I was also threatened with jail if I didn't turn the car over. The ATG in my state makes it clear that they cannot repossess the car if I refuse to turn it over and that even the police cannot force me to give up the car as it is a civil matter.
I have VOIP for phone service and as such my phone company logs all incoming and outgoing phone calls with the date, time stamp, duration of the call as well as what number was called or what number called. As such I have proof from the logs as well as voicemail from Westlake calling me at 6:54 AM, 7:19 AM as well as spoofing various phone numbers including one from 509-718. The problem is that in WA state and specifically within the 509 area code there isn't a 718 prefix! They spoofed a completely FAKE phone number!
I'm currently 14 days behind payment as I made my October and November payment on December 26 and still owe $455 for my December payment. I currently owe less than $5,000 on the vehicle and will pay it off within the next 10 months, why would I give up the vehicle after paying nearly $10K?
My favorite part of the last conversation I had was the guy claiming he's coming to repossess the car tonight. I warned him that I have a BEWARE OF DOG sign on my property due to the fact I have a German Shepherd Dog who serves as a protection dog and that if he tries to sneak onto the property he needed to be aware that she is in the yard. He then starts screaming at me that I'm threatening him because I warned him! I said, "No a threat would be if I said that I'm going to have her attack you. I merely stated that I have a sign up and a GSD on the property and if you enter the property you enter at your own risk." "You're threatening me! I'll have the police with me when I come get the car!" My reply to him was, "And the police will tell you exactly what I'm telling you. Under WA state law I do not have to return the car to you without a court order signed a by a ______ County judge and that I must be served with a court notice of your intent to petition the court for the car back. When you do that I will then be able to show my evidence that payment WAS made as well as the voicemail left by your companies, the phone records showing the numerous State and Federal laws about the times your business has called. So please, by all means go to court. I'll see you there."
He continued to scream for several more minutes that I was threatening him and that I was going to jail if I didn't turn the car over to him and that he can even remove it from my garage if they wanted. All of which is illegal to do. My reply to him was simply, "Do what you need to you but please be aware that I have a dog on the property to protect me and my property. Enter the property at your own risk as the property is fenced off with warning signs. You're more than welcome to repossess the car if you have judgment from a judge in this county otherwise you need to stop threatening me as it is illegal." He hung up and left me speaking to another woman who continued to threaten me after which I became tired of listening to her and began telling my husband what she was saying, she got mad and called me a b***h before hanging up!
Mon 12/15/2008 7:19 AM voicemail left from 323 (Westlake).
Wed 12/17/2008 6:54 AM AM no voicemail left but caller log shows the number 18006416700