Cache stole my vehicle with the help of AARP The Hartford, and Household Automotive Finance(HAFC)
I purchased a 2000 Nissan Altima in 1999. My lien holder was HAFC. Contract was from Nov. 1999- until Dec 2006.
My insurance company for the last (12) years was AARP The Hartford.
In June of last year, my husband, daughter and I went to Texas in order to help one daughter through surgery and another daughter to find an apartment. The daughter looking for the apartment (on insurance policy)
had an accident and totalled the vehicle. Hartford was immediately contacted. The police was called and gave theother driver the citation for the head-on collision and leaving the scene and evently returning.
My car was totalled and taken away to a storage facility in Houston,Texas.
Hartford went over the claim amount of $4,100.00 and the documents necessary to sign. I began writing HAFC for a lien release because this was June, 2008 and I had not heard from them but knew THEY WERE STILL THE ONLY DEBTOR on my Oklahoma Title. That is when CACH called
me screaming that they owned the car and I knew it.
Cach without any legal documentation from me nor Oklahoma Tax Commission was given my claim proceeds of $4,100.00 from THE HARTFORD. I surrendered the title in July 2008. I have written over 20 letters to
Hartford (for not following their Loss Payable Clause and ignoring Oklahoma Title Laws); Cach (violation of Fair Debt Collection Act) and HAFC for (changing my declaration without my knowledge) and giving some scam
artist my proceeds.
On May 12, 2009, I received a document from Oklahoma Tax Commission and found that I still own the vehicle. After (10) months of not receiving a lien release (I have letters from both Hartford, and Cache that a Lien Release is enclosed) I am still the owner of what was told to be a salvaged vehicle. No salvaged title was surrendered to Oklahoma and no re-assigned title previously appeared from HAFC designating any
additional ownership changes. Hartford permitted HAFC to make adjustments to my insurance declaration without my knowledge and without verification from Oklahoma Title Department. Cach accepted money from an insurance company without any legal proof of ownership. (HAFC did not do a re-assignment in 2006, 2007, 2008, 2009 on my title) Without any documented proof of acceptance
of money is that not considered unjust enrichment?
I have documentation from both HAFC , Cach, and The Hartford that a lien release is enclosed as early as October, 2008. I find it strange that as of May 12, 2009, such documents have not reached Oklahoma. Hartford has violated their own Loss Payable clause. HAFC has ignored Oklahoma Title Laws and lied to an insurance company and me.Cach has accepted money given to them without legal documentation.
After 12 years with AARP, The Hartford, I cancelled my insurance on May 22, 2009.I was told by Oklahoma Tax Commission that since I was still the owner of the vehicle and responsible for its welfare (no documentation
proved otherwise) my personal property and driver's license could be compromised. I have not seen my vehicle since June 2008, have received no copy of the claim documents, given no opportunity to purchase my car,
promised a copy of a lien release; no salvage title registered with Oklahoma Tax Commission.....does this sound like a STOLEN CAR.
Better still, with HAFC changing the declaration to insure other(s) as debtors....is it not possible that I was paying insurance for someone else to drive a repaired car still registered to me in Oklahoma? A car fax report will be very revealing..... the car had low miles for (9) years of age, my husband had just spent $800.00 for tires and general maintenance, it was just the body that was impaired.
I need help, I have been SCAMMED.
oklahoma city, Oklahoma