Charlie Falk Auto, Charlie Falk Title Keepers Virginia Beach, Virginia

In December 2008 I paid what I believed to be my last payment for a vehicle loan for a 1998 GMC Jimmy that I purchased in July 2005 from Falk Motor Company, Inc. I called that same month to request the title for vehicle and was informed by Holly in the finance department that I was behind on my payments and that I would need to pay a little less than $3000.00 in order to get the title for my vehicle. Since I had never received any notices telling me that I was behind or missing payments and according to my own credit report I paid on time every month I was sure that this was a mistake that could be cleared up rather quickly. 

In January of 2009 after I gathered my financial records I again contacted Holly at Charlie Falk and requested my financial records from them so that I could compare the two and see where the mix up had been. Holly refused to provide this information and I was informed that Charlie Falk had no obligation to provide me with my financial records from them and that I owed $1500. I was also informed by Holly that my December payment was never received and that a repossession order had been issued for the vehicle. I had the receipt showing where the payment was made and provided this information to Holly. After much back and forth it was determined that the payment had been made, however, it was not credited to my account correctly. 

In February 2009 I moved to Nashville, Tennessee. I informed Holly of my move well in advance and gave her my new address and phone number where I still reside today, to which I received threats of being arrested for abandonment of the vehicle and repossession since it was left at my previous residence in Arizona. I contacted a lawyer in TN and asked their office to contact Charlie Falk. When the lawyers office contacted Charlie Falk they received the same resistance. The manager of the finance department said that I would not receive the title to the vehicle and that they were going to reposes the vehicle. Later that same month I received a voicemail on my cell phone from Charlie Falk stating that the issue was being resolved. After February 2009 I never again heard from Charlie Falk. No letters, no phone calls. 

On January 5, 2010 my Mother-In-Law called and informed me that a man had come to reposes the vehicle. Immediately I called Charlie Falk. After finding my account Holly stated that I owed a little more than $1500.00. She informed me that if I could pay half right then they would accept that and clear the account. I told her that I could not and I again stated that I wanted my financial records to which she again refused. I informed her that if I was found to owe the money I would more than gladly pay the balance, but that I was not going to hand over $1500.00 when I do not have any proof that I owe the money and why would anyone pay off a $13000.00 car loan and not pay the last $1500.00. Holly put me on speaker phone with her, myself and another female who refused to identify herself and I was told that if I didn't turn the vehicle over I would be arrested. 

As of today, January 11, 2010 the vehicle is scheduled to be picked up by the repossession company from my mother-in-laws house in AZ. On Friday, January 8, 2010 a female from Charlie Falk called my mother-in-law and told her that if she did not release the vehicle to the repossession company she would be arrested. I checked my credit report today and although the vehicle was purchased in July 2005 it was not reported to my credit until March 2009. All records prior to March 2009 show that the vehicle was paid on time every month. As of March 2009 it shows no payments have been made and is negatively affecting my credit and states that the account has been turned over to a collection agency. I have done everything I know to do to get this taken care of. Please help to get this resolved. I want the title and the negative history removed from my credit report. Thank you.