United Auto Credit HAS NOT ALLOWED ME THE RIGHT TO REDEEM MY CAR/HAS NOT RETURNED CALLS RIPOFF Virginia Beach Virginia

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506

Unfortunately, this company will tell people they are going to repossess their cars, when in fact they can't do so, yet. Many times I have witnessed them telling people they were coming to repossess the car, but all they would do is send thier field agents out to pick up the car. The car would then sit in their parking lot until the person came to pay and pick it up. You need to go to the office in person and pay whatever it is you owe to pick up your car.

This may help you a little as well

At any time before secured party has disposed of collateral or entered into a contract for its disposition by sale under under Section 8.9-504 or before discharge under Section 8.9-505, debtor or any other secured party may, unless otherwise agreed in writing after default, redeem the collateral by tendering fulfillment of all obligations secured by collateral, expenses reasonably incurred by secured party in retaking, holding and preparing collateral for sale, arranging for sale, and to extent provided in agreement and not prohibited by law, reasonable attorneys' fees and legal expenses. See Code of Virginia Section 8.9-506

Harriet,

Go down in person. They can't ignore you that way.

Marc as usual a great IGNORANT post. Get a life!

They can ask for up to the full payoff of the loan plus repo costs to give the car back. The car may not be worth that. They do not have to accept a smaller amount such as just paying the back payments. Only a few states have "right to redeem" where they have to offer a deal of less than the full balance (unless the car has been repo'd twice). I don't think Virginia is one of them.

If you have the money to pay all the back payments, the repo fee, and perhaps a payment in advance, offer that to them. If you don't, your best bet now may be to hope that they DON'T follow legal procedures to notify you; this gives you some legal defenses against having to pay a deficiency later.

Very positive stuff from you as usual Marc. Every repo generates more money for you and your tow truck. It was a nice touch calling the OP a deadbeat, as if you would know. You and your bosum buddy Robert need to take a look in the mirror if you want to see deadbeat. Ever heard of compassion, tolerance and a fair go? No, I didn't think so!

Harriet, hold your head high and good luck with your problem. Ignore the likes of Marc - he doesn't have enough confidence in his work to accept credit cards as payment because he knows he is a fringe dweller who preys on peoples misery - and he loves it as you can tell from his infantile rebuttal!

They were well within their rights to repo their car as you didn't keep up with what you agreed to on the contract. Why is it so hard for them to contact you, did you give false information when you bought the car? Next,They can't give you a price because the price changes every day as the fees continue to add up, and you are a proven bad deadbeat risk at this point. They would rather auction the car and let you pay the difference. If you're lucky the car hasn't depreciated too much while in your possession because you are still liable for the loss of value. You'll get your check back eventually, probrably at the same pace as you made your payments. Better luck next time.