I got a chase auto loan in August 2005 two week before hurricane Katrina. They allowed me to defer my first payment until December 2005 because of the storm. I had not gone back to work until March 2006 and all this time been making timely payments never late.
Now fast forward two and a half years later. I was late in October paid that payment in November. In December 2007 Chase repo guy came to my mother's house looking for the car and asked where he can find the car because they wanted their car. I stated to him that I was not even three months late and I was only one month behind. He stated that I was 41 days late and they needed the car. WOW!! I said.
On December 29, 2007 they got my car in the state of North Carolina (a day after my birthday might I add) the repo guy was so rude and drove off while I was trying to get my belongings out the car. Now after speaking with chase on January 2, 2008 I was told because she did not like my answers and probably my attitude she did not feel comfortable giving me my car back. She also was very rude and had major attitude with me.
Later that day the representative calls back and stated after speaking with her manager if I wanted my car I had to pay off my car for a total of 6,000. Now I just called the tow service that towed my car to get the rest of my personal belongings and was told that they took my belongings out of my car and shipped it to auction. I was also told by the tow service that chase only gives you three days to remove any personal items left in the car (did not know that and was not told that) when I asked Chase for their number on December 31, 2007 I was told no.
On yesterday I received a letter from Chase with a breakdown on my payoff and that I had until January 15, 2008 to pay them or my car will be auctioned at a private auction. Now I am no dummy but how can I get my car if it went to auction already.
WOW I can't believe what is happening to me.all this for being 51 days late on a car loan.
mount holly, North Carolina