Americredit recently repo'd my car. I was shocked to wake up one morning and see a missed call on my cell phone @ 3am. I wondered who would have called me @ that hour. I didn't recognize the number of the missed call. I listened to the voicemail. It was mortifying to hear a man's voice on the other end saying, "Cass, I'm here to repossess the vehicle! You must contact Americredit for further instructions".
This was a horrible mistake. My first call to Americredit was not pleasant. I spoke to someone in the reinstatement department who felt it was a laughing matter. She suddenly stopped laughing, when I reminded her that this was no laughing matter. In february 2008, I deferred Jan 2008, and February 2008 carpayment. My plan was to trade the car in for a new or slightly new. When I called to ask why the vehicle was repo'd, the first thing they said was " why are you so far behind in your payments" I explained That I wasn't behind. Only marchs' payment was behind. April's payment was 6 days late @ that point. Americredit was aadamant that the payments I deferred were for Nov/Dec.2007.
Do the math.If I would've waited until February to make a payment, I would've expected the car to be repo'd. That would've been 5 months without a payment. I asked for a copy of this deferral but was told "no", "we don't give copies of this in writing". So this is their word against mine. They have nothing with my signature stating any acknowledgement that this deferral was for Nov/Dec. The next day, I went to retreive my belongings from the repo'd car. The most valuable item in the car was my fairly new digital camera. Yes, it was stolen. Americredit could care less that the company that they chose to come and repo the car, removed items from the car that didn't belong to them. I don't care about the approx. $40.00 in loose change, my laundry detergent, bleach, large bag of naval oranges and antifreeze that they took from the car. But at least they could've left my camara. If not the camara, my memory card. I asked Americredit if they were aware of the local laws required to repossess items from the consumer. "Barb", from Americredit stated that she was not aware of any laws regarding repossessions. I will be proceeding with filing a police report for the missing camara. That is the only way that I will feel some type of closure from my stolen memories, aka pictures.