LoanMax loanmax has repossed my vehicle after a payment agreement, they are refusing to provide legal documentation on the transactions and are just typing random filings without proof. The verbal abuse of the individuals whom repossed the vehicle was beyond tollerble. loan max has claimed to have attempted to contact me which is a lie, they claim they have proof they did so which is just notations written on a piece of paper sheboygan Wisconsin

 Wisconsin Act 405. Google it. As of 2011 vehicle title loans are illegal in Wisconsin.

In response to your long, drawn out, full of grammar and spelling errors "report," I myself had had a vehicle repossessed by LoanMax.  I know for a fact that you were given a copy of your contract stating EVERY SINGLE ASPECT of necessary actions that you were responsible for, as was LoanMax during the duration of your loan.  Nowhere in that contract does it state anything about personal problem, vet bills, animal health, personal health, etc. being part of the terms of you legal agreement.  It states the obvious in proper legal etiquette, but in your language I believe it says "Here's your money, pay us back."  I do believe that they tried to contact you to the extreme in an attempt to collect on the contract that LEGALLY bound you to make payments on the money you borrowed in a timely manner, and that includes a daily interest accrual.  Had you taken the time to actually read the contract, you would understand that.  I know that they contacted me, but like most people in my situation, you included; I avoided their phone calls and chose to not call them back.  While LoanMax can be lenient at times, not paying them for months and having zero contact with them for months, fully gives them the legal right to repossess the collateral you used for the loan.  I highly suggest you read #2-PROMISE TO PAY, #7-EVENTS OF DEFAULT, #8-LENDERS RIGHTS IN THE EVENT OF DEFAULT, and #9-COMMUNICATION, along with the rest of the legally binding contract that you willingly and consciously signed.  Since you are throwing the word LEGAL around, I am sure you have all of the correspondence from LoanMax; correspondence including certified letters and notices giving you the chance to make good on your past due payments.  I got the same letters, everyone that doesn't pay a loan does!  Banks even send them out, not so sure why you think LoanMax is any different.

 In regards to the Repo company/people LoanMax use to get their vehicles, they do not have to show you the paperwork, ask the cops.  If you ask the repo guy to show it to you, he can, he doesn't have legally show it to you.  Look it up, there is no law saying they have to!  When they came to take my car, I asked to see it, and they willingly showed it to me.  I wasn't a complete jerk and I didn't run away from or threaten them.  I knew I didn't make my payments, I knew they could take the car!  It's not rocket science, trust me.  I don't quite understand why you can't figure that out since you throw the word LEGAL around like it's a baseball.  You had posted that people need to understand "THINK BEFORE YOU SPEAK." I am not in the least bit convinced that YOU understand what that means.  If you did, there is absolutely NO logical explanation for your report.  You signed the contract, you got the money, and obviously you failed to pay them back knowing full well what the repercussions would be!  It is not LoanMax's or anyone else's fault or problem that you have health issues; your pet was dying, blah, blah, BLAH. You were told when you signed the papers that you were agreeing to pay it back or you would lose your car.  End of story.  I was told that when my vehicle was taken, I could get it back by simply paying the loan off in full.  Guess what, I did just that.  You SHOULD have thought about that before you chose to not pay the loan back.  You don't pay, you lose your vehicle! It's common sense and knowledge, also clearly understandable considering it was a VEHICLE TITLE LOAN.  If you want legal documentation, read you contract, and re-read it until you comprehend it.  YOU, not LoanMax, need to take responsibility for your actions or lack thereof.  

First of all, you need to learn a policy that's called "Think before you speak"

And yes the verbal abuse had absolutely nothing to do with my behavior, you need to learn that everyone is not staight out of a trailer park. Yes I was calm and polite, and before I even uttered a work came the verbal abuse and I will not tolerate it. And I never stated that my ill pet would make me not responsible for repaying the loan. The wait on health care for my pet was delayed by the veterinarian, during that time I had to pay all expenses myself.

Have I had not done so my pet would have died, and I do not believe in cruelty to animals as obviously you do. There was an agreement that I would repay the loan when my pets health care came through and the circumstances of the situation were well expressed, but apparently that meant nothing and Lone max has lied in several circumstances of which they refuse to supply any correct legal documentation most likely because their really isn't any. It is just all lies.

 You said you were exposed to verbal abuse.  Can I assume that you were kind and polite and they just randomly abused you for no reason?  Not likely, I expect you abused them first.

By the way, they do have legal documentation to back up their repo of your vehicle.  It's your loan contract.  Do you really think you can just say your pet is sick and then you don't have to pay for months?  That's unreasonable and if you give it a moments thought you have to realize that.

Do you have legal documentation that says you don't have to pay for months at a time?

 Did I miss something in your timeline?

I see that somewhere "around" April you took out a loan.  I actually wonder how "around" April you actually were and wouldn't be surprised if it was actually May.  Then what is probably less than 2 months later you call them up saying you can't pay.   Now, somehow you say that they said that was fine and didn't hear from them for 3 months. 

So when you told them in June did they say.."Sure just pay us when you can, even if it is 3 months later"?  No I doubt it.  Did they say "Sure we will stop the Interest Charges until you can pay"..Again I doubt it.  I can guarantee you that they did not intend it to be an "open ended" statement that it was "fine".  Not only that, you "say" that they didn't contact you.  Well how about contacting them to let them..of course not because you knew if you did they would want payment.

Then isn't it amazing how through all of that time the vet finally "cooperated" the same week that they took the car.  It's almost like the vet was talking to loanmax...yea that's it.  It is a conspiracy.

This matter will not be resolved until I receive and see LEGAL documentation to substantiate the claims of Loan max.

- Here is all the LEGAL documents you need. The original loan agreemnt YOU signed that stated upon them loaning you money you agree to pay them back at a set schedule and if you don't they have the legal right to reposess your car.   It doesn't matter if they say they contacted you 100 times a day every day for 3 months.  You did NOT pay them even though you knew you had this legal obligation.

Oh and since you are so interested in LEGAL documentation.  How about asking them for the documentation when you told them in June you couldn't pay and they said it was no problem.   Or do you think that contracts don't apply to you?

As for the "rudeness" of the people that reposessed your car..again but if you could sue a company for being rude the courts would be in worse shape than they are now.   If they did something illegal..you should have called the cops when it happened.

As for your health issues.  Unfortunate..yes but 100% irrelevant to the situation.  Contrary to what you may think they are not a charity.  You were under ZERO obligation to borrow from them, but once  you did you are subject to the terms you agreed to. 

 Then in June you advised the lender that you could not pay...right?

"This matter was fine with them and this was the last I heard from them until september 13 when Loan Max sent two individuals to repossess my car."

Then you made no further payments and heard from them on Sept 13..also right?

Now you think they owe you an explanation and shouldn't have even repossessed "your" car..How am I doing?

Why should they have to justify a repo after 3-4months of non-payments?  BTW, it's not "YOUR CAR" until the loan is fully paid. It's their property.

You or your pet's illnesses and expense are totally irrelevant to your paying your loan as you agreed on the contract you signed.  Did it include a pet/person illness clause?  Didn't think so. 

By taking out this type of loan in the first place shows you have a poor credit history and lenders to people such as yourself are careful to protect THEIR interests and don't care about YOUR personal problems.  That's how businesses must operate.

I predict credit problems in your future with your attitude.