CHASE AUTO FINANCE Violated Law Repossion Law of California Tampa, Florida

Karl, the idiot, accurately predicted the collapse of the U.S. economy and the stock market crash at this website in the summer of 2007, which was over a year before it happened.

Just type in 271454 at this site and read what is posted in 'Consumer Comment #1' at Ripoff Report #271454 for proof. Here is how paragraph three starts-

QUOTE: "The Collapse of the U.S. economy is in its infancy. Get all of your money out of the stock market and cash in your retirement NOW!" - September 3, 2007.

You can also stay at this site and type in- MOB SONG 24, and go to Ripoff Report #269041 and scroll down to 'Consumer Comment #3', entitled "Blame it on a Lawyer" and read what is stated in that consumer comment. Here are the last two sentences-

QUOTE: "Get ALL of your money out of the stock market now! The Collapse HAS been triggered!!!!" - August 21, 2007.

Have a nice day.

These so called experts are dumb as post they steal from the legal residents of this country.  Team rebuttal are dumb & stupid.

Karl, as usual you are taking things totally out of context and adding them to irrelevant posts.  For those of you who are dumb enough to follow one of his links regarding income tax, let's look at what the EXPERTS have to say:

A while back there was a bit of a buzz going on about the acquittal of Tom Cryer, a Lousiana attorney who had been charged with the federal crime of failing to file his tax returns. Misleading articles, such as IRS loses challenge to prove tax liability, kindle hopes that someone somewhere has finally convinced a court that we dont have to pay taxes. A quick look at the Cryer case, however, demonstrates that the government failed to prove the willful element of the crime of failure to file. As with all elements of a crime, this must be proved beyond a reasonable doubt. The jury apparently decided that Mr. Cryers mental
state was not criminally willful, perhaps because they were convinced that he had a reasonable belief that he didnt have to file. But the legality of the tax law itself was not at issue in the trial. Cryers motion to dismiss using that argument was denied before the trial.

But tax protestors everywhere are cheering, shouting show me the law! In the interests of public service, I show the law below. Its notas straigtforward as it could be, but its there. If you earn income, and if it is high enough, you have to file a return. If you have to file a return, you have to pay the tax. Plain language leading to plain duties.

Title 26 United States Code

61. Gross income defined

(a) General definition

Except as otherwise provided in this subtitle, gross income means all
income from whatever source derived, including (but not limited to) the
following items:

(1) Compensation for services, including fees, commissions, fringe benefits, and similar items;

So we can all ignore Karl, and probably Sharon too since she won't post evidence.

need to go to rebutters anonymous
must rebutt must rebutt  must rebutt must rebutt 
must rebutt must rebutt  must rebutt must rebutt

meeting every tuesday at 7:00 am and pm

Is Sharon still living in the 80's???



For someone who tries to prove how smart she is, she must have a hard time with 3rd grade math!



If someone is broke, and on only 800 bucks a month, obviously has no money for a down payment, right?What does the cheapest, brand new Nissan cost?

$16,000?



OK...The longest term you can get on new car financing is 72 months.

16,000 divided by 72 = $222.22/month PRINCIPAL ONLY!!



Now, she stated she had no credit.

That means max loan term would be 60 months, and at least 9% interest in my estimation, from past experience.



This Sharon character is just flat out crazy, and delusional.



Simple math would tell her that with no down payment, a payment around $300 or more would be the lowest available. This is simply third grade math.



And, with her alleged knowledge, and research capabilities she has, does she really expect us to believe that she couldn't find a bank rate chart and loan calculator online? Really?



The problem here is that Sharon is a "professional victim". (Like Charles).

I see 2 hardcore Obama voters there!



I found such a loan calculator in 30 seconds.

$16k @ 9% for 60 months = $380.44



This is very basic math.



Sharon always needs someone else to blame for her poor choices in life.

Ask yourself: Why am I 70 years old, and broke? Why have I not done anything for myself in 70 years?

Why am I such a loser?

Feel free to stay at this site and type in- TAKING OUT SECRET LIFE INSURANCE POLICIES, and go to Ripoff Report #411913 and read it.

JP Morgan Chase was one of the banks named in that Ripoff Report. It appears that Chase has taken out $11 Billion in these secret life insurance policies on its employees, according to information that is available on the web.

Anyone can 'Google' this- BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES, and read the related articles for proof.

Have a nice day.

Ha ha - good catch Southern Chemical.  I recall way up in post #131 wondering why someone on a limited SSD income was paying for a (by SSD standard) expensive car.



So we just uncovered yet another lie.  It wasn't because they wouldn't move the payment due date, it is because she bought a car with payments twice what she could afford.



She sounds like a scam artist to me.

The bottom line here is that Sharon bought a car she simply could not afford, and then wanted to blame everyone else.



See:

http://www.ripoffreport.com/auto-dealers/metro-nissan-of-mont/metro-nissan-of-montclair-niss-eeced.htm



Sharon is a "professional victim".

Here is what she wrote on May 20, 2011:



I am 70 years old, and under the care of a doctor for heart disease, stress, post traumatic stress, and more. I live on $840.00 Social Security a month.



When I went into the Nissan Montclair Dealership at about 4:00 pm, I was in a rental car and looking for an affordable used car.



Several salesmen approached me and I told them what I was looking for and I could only afford about $150. dollars a month in payments and, that I wasnt even sure I would qualify for a loan as I didnt have a high credit score. They assured me they could help me.



They put me in a small room and just left me to sit there. I did get up and look around the store but no one really talked to me much at that time.



Finally, just before 5:00 pm I told one of the men I had to take the rental car back, so a man showed up to follow me to the rental car place and give me a ride back to the dealership. He followed me into the rental car place and ushered me back to the car and drove me back to the dealership, and again into the small room. I was still not shown any cars, nor was any information taken from me.



Salesmen would come in and tell me it wouldnt be much longer that they were going to help me get a car. I was getting very tired, and did not have my heart medicine with me. They would make small talk about the Nissan car dealership and how they were the top dealership. I was never shown a car.



It must have been 8:30 p.m. when finally a blond man with a southern accent came in and took a bit of information on my expenses, social security number and income.  He returned a couple of times and then finally about 9:00 pm he came in with a contract for a car with payments of $350. a month. I said No, I told you I cant afford that. He kept telling me, Come on Sharon, you can do it.



They then sent in more salesmen to persuade me. I was feeling very pressured to sign the contract and worried about my medicine and how to get home. More salesmen came in assuring me I could afford the car. I was so tired. They wanted to take me to my apartment for my rental agreement, phone bill and energy bill.



That made me very afraid.  Finally I signed the agreement and we went out and I was shown two cars and just picked one. We went for a test drive and I took the car and went home.



I felt coerced into buying the car. I could not afford the payments. I am still under a lot of duress.



A few days later my daughter took the car back to the dealer to return it. They refused to take it back telling her my credit score was 7.0 or they never would have sold me the car. That was an absolute lie. I was told my credit score was 5.5 but It was good enough for Nissan.



I sent an affidavit to the Headquarters of Nissan in Texas. I have never had an answer. I told them I wanted to talk with them about renegotiating the contract.



Instead I am continually harassed about the payments and no one will talk with me they instead yell at me when they call.



To this day they will not even talk to me about taking the car back, but I am plagued with ongoing phone calls about making the payments.



HOW did I get coerced into a contract for $300. a month, plus insurance, when my income is only $840. a month. That is UNCONSCIONABLY!  Why would they give me a loan at that little income to loan ratio??? And with a low credit score?





SUMMARY OF LEGAL  ISSUES:



1.  Unconscionable Contract

Civil Code section 1670.5, subdivision (a)



2. Undue Influence

The second and third sections of Civil Code 1575

Farnsworth, Contracts, 4.20, p. 444

A California appellate court has suggested that undue influence is no more than persuasive salesmanship.



3. California Penal Code 368 (a) (d) Any person who is not a caretaker who violates any provision of law proscribing theft, embezzlement, forgery, or fraud,



4. Unfair or deceptive practices against senior citizens or disabled persons;    California Civil Code 3345(3) Whether one or more senior citizens or disabled persons are substantially more vulnerable than other members of the public to the defendant's conduct because of age, poor health or infirmity, impaired understanding, restricted mobility, or disability, and actually suffered substantial physical, emotional, or economic damage resulting from the defendant's conduct.



ISSUE NO 1:



Unconscionable Contract.

Civil Code  1670.5

(Morris v. Redwood Empire Bancorp)



Civil Code section 1670.5, subdivision (a), provides:  If the court as a matter of law finds the contract or any clause of the contract to have been unconscionable at the time it was made the court may refuse to enforce the contract, or it may enforce the remainder of the contract without the unconscionable clause, or it may so limit the application of  any unconscionable clause as to avoid any unconscionable result.  The issue whether a contract provision is unconscionable is a question of law.  (Flores v. Transamerica HomeFirst, Inc. (2001) 93 Cal.App.4th 846, 851 (Flores).



The unconscionability defense is concerned with the fairness of both the process of formation and the substantive terms of the contract. When the terms of a contract are oppressive or when the bargaining process or resulting terms shock the conscience of the court, the court may strike down the contract as unconscionable.



The unconscionability defense applies to a wide variety of types of conduct, so a court will look at a number of factors in determining if a contract is   unconscionable.  If there is a gross inequality of bargaining power, so the weaker party to the contract has no meaningful choice as to the terms, and the resulting contract is unreasonably favorable to the stronger party, there may be a valid claim of unconscionability.  A court will also look at whether one party is uneducated or illiterate, whether that party had the opportunity to ask questions or consult an attorney, and whether the price of the goods or services under the contract is excessive.



In Williams v. Walker-Thomas Furniture Co, 350 F.2d 445 (D.C. Cir. 1965).The court held that where the element of unconscionability is present at the time a contract is made, the contract shouldnt be enforced. Unconscionability includes an absence of meaningful choice on the part of one of the parties together with contract terms which are unreasonably favorable to the other party.



The remedies for an unconscionable contract are put forth in section 208 of the Restatement Second which says that if a contract or term thereof is unconscionable at the time the contract is made a court may refuse to enforce the contract, or may enforce the remainder of the contract without the unconscionable term, or may so limit the application of any unconscionable term as to avoid any unconscionable result.



Substantive unconscionability is an unjust or one-sided contract where the contract terms are so one-sided as to oppress or unfairly surprise an innocent party, and an overall imbalance in the obligations and rights imposed by the bargain. A claim of unconscionability can be established by showing substantive unconscionability alone.



HOW did I get coerced into a contract for $300. a month, plus insurance, when my income is only $840. a month. That  is UNCONSCIONABLY!  Why would they give me a loan at that little income to loan ratio??? And with a low credit score?



ISSUE NO 2



Undue Influence

Civil Code 1575

(Farnsworth, Contracts, 4.20, p. 444)



Simply put, undue influence is coercion. 



1. In the use, by one in whom a confidence is reposed by another, or who holds a real or apparent authority over him, of such confidence or authority for the purpose of obtaining an unfair advantage over him;



1.      In taking an unfair advantage of another's weakness of mind; or,



2.      In taking a grossly oppressive and unfair advantage of another's necessities or distress.



In California, the burden of proof can be placed on the perpetrator to prove that undue influence does not exist. In  addition to determining the circumstances and facts of each case, the court will look at whether or not the defendant gave the elder due consideration. If assent to a contract was obtained by coercion constituting duress, the contract may be avoided by the person subjected to the duress.

                                            

ISSUE NO 3



California Penal Code 368 (a) (d)

Any person who is not a caretaker who violates any provision of law proscribing theft, embezzlement, forgery, or fraud

ELDER ABUSE



When one party fraudulently induces the other party to enter into a contract, the defrauded party can void the contract.  Fraud means that one party makes a false representation of a material fact that he knows is false, or believes to be false, in order to induce the other partys agreement. 



ISSUE NO 4

Unfair or deceptive practices against  senior citizens or disabled persons; California Civil Code 3345(3)



James A. CLARK et

al., Petitioners, v. The SUPERIOR COURT of Los Angeles County, Respondent; National Western Life Insurance Company, Real Party in Interest.



The entire evening at Nissan Dealership was unfair and deceptive toward me, and 70 year old, disabled woman.



Click on image to enlarge:

To:  Southern Chemical

RE:  Just post the info here, and we are done.  What's so hard about that?

Well the obvious, but Im going to summarize what you and EVERYONE else here (except Charles the Donkeyboy) already know.

1.   Sharon has lied numerous times on this post.

2.  Just because someone goes on Judds show does not mean they are telling the truth that is not proof.  Sharon has a blog, she knows how to use a computer, yet somehow it is mysteriously beyond her super smarts ability to ink out her address, etc. and scan and upload a document (ANY document) proving ANYTHING ANY FREAKING THING she says.    Judd has a lot of whackos on his show that are unable to demonstrate any proof of how they have been ripped off.  She is no different.

3.   Sharon has been arrested and spent time in a mental hospital for being a fruitcake making things up.

4.  The most likely scenario is SHE paid to get her car back.   If and I mean IF Chase provided the car back to her free and clear, it was to make her go away and shut up  - not because they were in any breach of California law.   As Jim has correctly stated, if this happened Sharon would have had to sign a release against suing them going forward.  The tow operators are covered under this as agents of service so she cannot pursue lawsuits against them independently regardless of what she says. 

5.   Sharon goes on and on and on about how she knows the law.  Doesnt matter what she says, she doesnt know spit - she just thinks she does because she reads and recites a bunch of laws.  Numerous times on this post REAL lawyers and REAL paralegals and those familiar with the repo game in California have pointed out why she was wrong.   Lets not forget she never had a REAL lawyer representing her she lied.  She has taken California statutes and changed the language in her postings to suit her own purposes.  That is NOT how the law works.  You dont get to just make stuff up.  I have pointed out specific sections of statutes she has miss quoted and deliberately altered by quoting that statute in its ENTIRETY showing where she made alterations.  But rather than addressing the facts of the LAW, she resorted to calling me and others names like a 12 year old.  For one simple reason she is wrong and she knows it.   She does this because #6

6.   She is a bitter old nasty whacko fruitcake.  Ill bet Chase is glad theyre not dealing with her anymore.  Thank God I am not related to this woman.

I agree that Americans should learn more about the laws in this country.

If all Americans would simply 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that video on the web, they would understand that there isn't a law that requires them to pay a tax on the money that they earn as a result of their labor, right?

Americans could also 'Google' this- IRS LOSES CHALLENGE TO PROVE TAX LIABILITY, and read the related articles for more information regarding Federal Income tax.

Millions of Americans would be able to keep more of their hard-earned money in order to pay their mortgages, credit card bills, car payments, college loans, and many other things, like gasoline and food, if they truly understood the truth, correct?

Good luck to you.

What a waste of time!! Sharon gave absolutely no names of any tow company or any tow operators who allegedly broke the law. WHY NOT??

If a law was proken, there would have been a citation issued or an arrest made, RIGHT?? Sharon gave absolutely no facts or proof, and no names other than a Chase VP's name which anyone could get.  SHARON IS A LIAR as she has NOT proven ANYTHING!!!!

Sharon....WHERE IS THE PROOF? What are the names of the tow companies that allegedly got fined? What a fruitcake!

LOL, and I don't mean to make fun of you ALL who are apparently mentally challenged. This web site must be where you live out your dreams of persecuting others.

Yep, I was on Judd McIlvain"s

Yep I WON I WON I WON

Chase can always rebutt what I said, but they can't :-)

I am finished here, on to Sacramento... WON'T BE BACK JHERE :-)

READ MY BLOG.



Bye, Bye



Ps, There are all sorts of ways for one to win, guess you don't konw that

Sharon cannot backup any of her claims, which clearly proves she is a liar.



Sharon keeps saying various laws were broken, but there have been no criminal arrests in any aspect of this case.



No lawsuits have been filed.



Let's recap:

No arrests.

No criminal charges filed.

No civil lawsuit filed.



These are the ONLY facts we have to go on.



Sharon is just too stubborn to admit she was beaten.



Sharon did not make the payments as agreed and her vehicle was repossessed.

As per her finance contract.



I had a vehicle financed by Chase, and I know for a fact that there is a security clause in that contract which gives Chase or its agents the right to enter private property to do a repo of THEIR collateral when the contract is in default.

Entering that community property was NOT "illegal" as Sharon keeps spouting.



If it was, someone would have been arrested for criminal trespass.



Sharon, once again, please give us the names of the lawbreakers here, and the dates of their arrests for breaking said laws, AND a court docket number for the civil case where you sued Chase, and prevailed.



To date, you have been asked numerous times, by numerous people for this information, but have failed on all counts to produce.



It's real simple.

Just post the info here, and we are done.



What's so hard about that?



(Other than you being a delusional liar).

The only thing proven by you using the VP's name is that you, or more likely the 10 year old kid down the road, has the basic knowledge of how to use Google.  I found the VP's name, along with the name of the head of the Edna office of Chase Auto Finance in about 5 seconds, and that's with multitasking, I was deleting the ripoff report update email for this complaint.

Here's the site:

http://http//investing.businessweek.com/research/stocks/private/people.asp?privcapId=28015903

Yeah, that information is public knowledge, as-in anyone with half-a-brain can obtain it with very minimal work.  I'd almost be willing to bet that even "Chuckles" could find it.

You've already been declared by the State of California as a vexatious litigant.  This means you're going to have to obtain the permission of the court to sue anybody.

"privity of contract" is a doctrine in U.S. law.  It is very real.  I learned of this first hand when I was going to sue Dish Network for installing 2 antennas on my house without my permission.  Privacy of Contract was their affirmative defense.  My recourse was to sue the person who hired them, my tenant.

YOU will run into the same problem if and when you go to sue the repo firm.

You're not going to successfully sue anyone.  You can blab and name call all you like-you're a proven liar.  You lied on Judd before so why would anyone want to hear more lies from you.

I'm sure you signed an agreement with Chase before they returned the car (if they did that is) and that agreement is going to stipulate that ownership of the car is the COMPLETE and ONLY compensation you will receive-any lawsuit you file against Chase over this matter is going nowhere because you already agreed that the matter is settled.

You cannot agree to a settlement and then sue on top of it-the courts won't allow it.  Oh, you can file a lawsuit (if you get permission of the courts) but you're not going to win anything-it's already settled.

Go tell some more lies, Liar!  LMAO.

I'm in Sarasota FL, and do not have access to fruitcake radio here, nor would I dedicate my time and effort to tune into such crap.

Seems funny that you won't just post the facts here.

In the mean time, you 'won" nothing, and you are still a seriously mentally deranged fruitcake.Stay in the land of fruits and nuts, please.

I even gave the name of the VP at Chase
Sorry if you missed it but then I imagine with your poor mental skills you miss a lot.
I will be posting it on my BLOG

Bye now :-)

Sharon, all you have accomplished here is a validation by us Sane and normal folks that you are missing your meds. You have not met a single one of us and we are forever grateful for that small blessing. You have legally shown zero proof. So pardon if us folks who are educated in "law" disagree with your hearsay comments. No proof, No believing, its really that simple. :)

So I will end this debacle by saying you have PROVEN without a DOUBT thru your rants that you are one sick pup! So Bravo for validating that part! There is success in your failures!

I have never met such idiots as I have met on this forum!

YES!  can sue the tow people they broke the law and I have the letter from State of California to prove it!

Did you hear me today on Judd's radio show ---

YOU are such an idiots!!! And the worst kind of Americans who want ignore the law and speak out against those who have been victimized by people such as YOU!

LEARN THE LAW OR YOU MAKE YOURSELF INTO IDIOTS!!!

Stacy thinks she  can intimidate  me and call me names just like the rest of team rebuttal they have another thing coming.  If people chose to believe the hear say crap that people say about me they're welcome to it.  I'm not going to let what these a**holes say control how i live my life.

I'm not going to be bitter or angry about it the only way to defeat your enemy is by living your life.  I hope it gets them very angry! & post some more lies about me!.

Stacy thinks she  can intimidate  me and call me names just like the rest of team rebuttal they have another thing coming.  If people chose to believe the hear say crap that people say about me they're welcome to it.  I'm not going to let what these a**holes say control how i live my life.

I'm not going to be bitter or angry about it the only way to defeat your enemy is by living your life.  I hope it gets them very angry! & post some more lies about me!.

Yep! Just received back my Pink Slip -- the car is mine! Free and clear.

Bullshit!  "received back?"  You mean to say they didn't hold the title?  Funny how you don't mention that they filed the required DMV form to RELEASE THEIR LIEN on the car.  That's right Sharon, simply giving you the title is NOT ENOUGH IN CALIFORNIA-they have to file a release of lien form!

Will now sue the two companies for damages.

You can try but it's not going to go anywhere.  When you attempt to sue the repo company their affirmative defense is going to be "privacy of contract."  Look it up liar, you have to sue the entity that HIRED them.  And that leads me to the next piece of crap from you.

I'm most positive that if Chase really did release the vehicle to you, free and clear (you know, like they FILED A RELEASE OF LIEN) they had you SIGN a document agreeing to the settlement.  I can guarantee that somewhere in that agreement document you WAIVED your right to sue them for damages and accepted ownership of the car is FULL AND COMPLETE compensation for your "troubles."

Tell us all about it again Sharon!  LMAO!  Even months later, you still have trouble with the truth, don't you!  LOL!

BLAH BLAH BLAH, SHARON Wrote #264 Update By Author
YEP! Won Against Chase
AUTHOR: Sharon - Alta Loma (United States of America)
SUBMITTED: Tuesday, October 30, 2012POSTED: Tuesday, October 30, 2012
I never had to even go to court - they settled and totally wiped out my debt!

Too bad all of you idiots on her do not know the law -- I KNOW THE LAW :-)

I will be on Judd's radio program tomorrow at about 1:15 p.m. talking about it.

YOU ARE ALL A BUNCH OF STUPID (personified!) IDIOTS!!!

I WON!!!"
-----------------------
*******My rebuttal-

I regret to inform you that the reality train left and you weren't on it. :P

LISTEN to JUDD tomorrow for details of my win against Chase.

YOU ALL are just mad because I won -- I now OWN my car and Chase does not!

YOU ALL are a bunch of sick sick puppies who want to see how much you can harass
and bully others  --

I WON! I WON! I WON!

LISTEN to JUDD tomorrow for details of my win against Chase.

Sharon,

Obviously no "law" was broken, because nobody was arrested, no criminal charges were filed, and no civil case was filed.

Therefoere, you 'won" nothing.

You are a delusional mental case.

As previously stated. Put up or shut up.

If you disagree with my statements, PROVE ME WRONG!

Do it right here on theis forum.

Names and case numbers. Or go away.

Loser.

I never had to even go to court - they settled and totally wiped out my debt!

Too bad all of you idiots on her do not know the law -- I KNOW THE LAW :-)

I will be on Judd's radio program tomorrow at about 1:15 p.m. talking about it.

YOU ARE ALL A BUNCH OF STUPID (personified!) IDIOTS!!!

I WON!!!

Stacy is nothing but a cyber bully she bullies everyone on this site.  She is the most anti-consumer person on this site.  She is pro business!.

Sharon, all we need here to validate your claim is the court case#, and name the jurisdiction.

Put up or shut up.

Just the facts.

If there was no court case, there was no "win" or "lose".

IF you got anything from Chase, it was "go away" money, as previously stated.

Get some professional help for your mental health issues.

Charles may be3 indicative of ALL on here who make irresponsible statements about the law -- which they obviously do not know -- but why should that stop them from making idiots of themselves. I will be on Judd McIlvain's radio show talking of this and HOW others in California can win against illegal towing of autos in private gated communities... I will be filing now against the tow company and have the blessing of the State of Caliornia. I now own my car free and outright -- Go back to your world of ignorance and foolishness -- the wheels of justice move slowly but I won, Chase lost and ALL of you idiots ought to learn the law or shut up!!!

Just take a look at the most recent posts.  Sharon, herself, is the one who felt the need to bump this post 4.5 months AFTER everyone else here stopped replying.  I can only speak for myself, but I, for one, actually had to go back and reread some of this to figure out what this complaint was even about.

Team rebuttal loves to deny our basic freedoms & trash talk everybody & say the most meanest things.  Their goal is to ruin as many lives they can.

Sharon DID NOT "win" anything, because there was no lawsuit filed, and no judge or jury heard this case. There was no "award".

Several people, including myself have asked Sharon for specifics on this case, which she has not provided.

This can only mean that Sharon is a liar, and there are no facts to post to back up her claims.

Let's understand that it is common for big companies to pay "go away" money when they get tired of dealing with fruitcakes and stalkers, etc.

This does not constitute a "win".

Let's put this in perspective.

Let's say Chase gave this fruitcake $10,000 in go away money.

That is comparable to me giving her .01

Really.

That is real math.

Executives at Chase spend $10,000 for a lunch meeting, or a hotel room.

Really.

Let's get a firm grasp on reality here.

(Sharon).

Susie,

Good questions.  I have full paid access to both Justia and PACER.  No such lawsuit exists on either site either under Sharon Stephens or Chase.

Having said that, I'm not entirely sure her last post implies she filed a lawsuit.  Either way I do not see Chase caving into her and setting a bad precedent given they were in the right as she had failed to pay on her car note, she has referenced multiple statutues and case law that do NOT apply to her case and which other REAL lawyers have pointed out.   Additionally, Chase has an army of lawyers that I doubt would simply cave in to this woman - especially when there was no valid legal reason to do so.

Sharon is as best as I can tell someone with a very high IQ and of above average intelligence, but also someone who is unfortunately mentally unbalanced.  She has been arrested - as best as I can tell more than once  - and spent at least a year in jail (actually mental hospital detention).   She has lied on this forum more than once and failed in all cases to provide any actual proof to her claims.  This is common amongst mentally imballanced vexasious litigants (I mean fruitcakes).  It's sad really, but she is lying.

Bottom line - Sharon is a bunch of talk with no proof to back it up.

How can you say "Team Rebutt" drags this post on, when Sharon, herself, is the one that felt the need to bump it 4.5 months AFTER the last post?

Tagurit - If he's really that gullible, maybe he might be interested in buying the house I have in Arizona.  You can see the ocean from the front porch.

Susie - Many have asked for proof, and all have been denied.  Sharon is missing a few bolts, if you now what I mean.  Her story has changed numerous times and she has refused to post any proof that she even has a car.  I don't see why this time would be any different.

Outlaw - what makes you think Team Rebutt is wrong?   Or are you so gullible you will believe the rantings of an unbalanced liar.  She can post anything she wants.  How do you know it's true?  Oh that's right you don't.   What you want to bet she can't and won't post any proof here like the pink slip or some other evidence?   It's not hard to scan such a document to your computer and attach it to a post here. 

I for one will not believe her until she provides proof.  She has lied too many times in the past.  Ig she can provide some proof, I'm willing to say I was wrong.  I doubt I'll be doing that anytime soon.

Sharon,

Since there was a lawsuit involved can you provide a link to it online or the case docket # so it can be looked up on Justia or PACER?

I'm sure others could learn from this and the actual case is the best source.

Shouldn't be a confidentiality issue since apparently you are posting here under your real name.

 Can't win against one mine idiots, they will continue to drag this post even though they lost

It's been so long, I completely forgot.

Oh, that's right, this is the lady who tried to claim it is illegal to repossess a car in California, then changed her story numerous times.

Yep! Just received back my Pink Slip -- the car is mine! Free and clear.
Will now sue the two companies for damages.
Everyone on here who chose to make a**es out of themselves ...ahhh

I WON!!!

And so can others who take the time to research the law, complain, file police reports, and never give up when you are right.

THANK TO JUDD FOR THE RADIO TIME :-0

Thanks Judd McIlvain for the radio time.

Chase just released my pink slip in settlement for the illegal tows.

NOW going after the towing companies for the damage.

All the deluded people here need to really research and study the law of California.

I WON!!!

What - no update from Ms. Sharon the liar about getting her car back and suing Chase?  Repo company has a FAR different account of what actually happened.   Why am I not surprised.  Southern Chemical nailed it - Sharon is a fruitcake.

according to information that is available on the web.

Anyone can 'Google' this- BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES, and read the related articles on the web for proof.

Then type in 411913 at this site and read Ripoff Report #411913 for additional information about the 'secret life insurance policies' that JP Morgan Chase and many of the other banks have taken out on their current and former employees.

Thank You

***NATIONWIDE BANK ALERT: Make sure to type in 453956 at this site and read Jim's Ripoff Report for valuable information if you have money invested in a CD at any of the publicly held banks in the USA that received bail-out money from the taxpayers, like Wells Fargo, and spread it all over the web at sites like Twitter and Facebook!

Okay My computer has sound yet I swear I cannot "Listen" to anyone for there is no sound waves attached to these comments, so Charles, you are right! You don't have to listen to anyone on here. You have to READ :P 
 Secondly that is a childish statement in and of itself for you to make. An Adult would access the FACTS and accept that there is a grain of truth or simply dismiss it. But to say "Wah wah wah I don't have to listen to you ..." That my dear is sheer immaturity.

The OP of this thread has zero legal standings other then being hauled away for psychiatric eval, and I sincerely pray its given to her. She is uneducated and misinformed in her comprehension skills of the law. Thank heavens we have schools for lawyers .

Listen here i don't have to listen or take any ones abuse.  Got it.

Listen up donkey boy..

You have no standing here whatsoever because you are allegedly a grown man but you live with your mommy.
You have never held a job, and suck up my tax dollars through all of your welfare.  And, you have mental issues that you do not deal with properly.

Everything is a conspiracy against Chuckles the donkey boy.  Chuckles cannot stand up and be a man who is responsible for his own actions, or lack thereof.  Chuckles cannot separate himself from his mommies tit.

And Chuckles calls ME immature?

Chuckles calls ME a hypocrite?

Really??

Look in a mirror donkey boy.

Grow up...Get a job..Get off welfare..

Southern had the nerve to say he is a adult.  He is far from a mature adult he is a immature bully along with stacy who have no compassion for others.

Raven, This is two times now you have posted something about "south land"?

WHO are you referring too???



Furthermore, you have clearly not read the actual "complaint" and subsequent questions posed to the OP (fruitcake).



There was no crime committed.

The repo was NOT done illegally.



The fruitcake has been challenged to back up her claims, and as of yet she has not.

The fruitcake has openly lied in several instances, and has been called out on those lies.



Finally, if you are so mentally challenged from your accident that you cannot communicate in a manner that demonstrates some level of literacy, then I suggest you don't jump in to public forums.



You have contributed nothing at all of value, as you have only offered your uneducated opinions.

(No facts).



Go back to drooling on yourself, and leave this forum to the adults.

Karl wrote a poem inspired by me?? I would rather have my gums scrapped!

I would like to say first to south land F Y I I am native American and two the word of breach of peace is when i do believe means when said repo agent uses force or other means to obtain the finance companies property as repo laws are different in each state and can change.

and now to the other question the brain injury was on the frontal lobe just to write things like this takes a long time as forget things very often or when speaking about certain things i for get what i was saying in the first place or i wind up sounding like a broken record furthermore on my id card states this plus i wear a medical necklace stating my medical problems and medications that can kill me, so over all what might take you 5 to 10 min takes me more so when someone starts making rude comments how would you feel if it was your own family member who had a traumatic injury and were made fun of so that all i have to say.

is available at this website.

Just type in 839289 at this site and it appears as 'Consumer Comment #150' at Ripoff Report #839289. (The poem was inspired by a person named Stacey.)

Thank You

***GRAMMAR ALERT: Feel free to 'Google' this- THREE STOOGES SWINGIN' THE ALPHABET, and watch that video on the web.

"Raven",

You are clueless at best. Were you a stripper? I ask because Raven is a common stripper name, and most strippers are functionally illiterate like you. I would bet that you were just as stupid before your accident.

Who is "south land" chemical??? I didn't see anyone in this forum by that name.
>>

south land chemicalAUTHOR: raven -  (United States of America)SUBMITTED: Saturday, May 05, 2012POSTED: Saturday, May 05, 2012

I would have to say that all of those pesticides have cause some damage to your brain cells as for you do not even know who i am as there is a word called opinion and that's what i gave so to say i did not complete school etc shows you could not find one thing i said not to be true so go back to pedaling your poisonous pesticides that cause health problems etc, furthermore F Y I i am native American and i speak English shoshoni Lakota cherokee as well as writing it so how many languages can you speak and write so you have a nice day.
>>

You spout a bunch of jibberish that means nothing at all to the case at hand.

First, understand that if anyone actually engaged in criminal activity, there would have been an arrest, and criminal charges filed. However, that is not the case. Several people have made requests to Sharon the fruitcake for this info and she has avoided the question altogether...which clearly means...no arrest...therefore..no criminal activity.

Entering a gated community in itself is not criminal, regardless of how that entry was achieved as long as there was no property damage done to enter and there was no breach of peace. Again, none of these things occured. Learn how to read and comprehend. IF the property owner or manager files a complaint, at most it would result in a TICKET..A Misdemeanor at best...NOT "criminal".

The bottom line here is that the repo was totally legal, and the fruitcake will not get her car back unless she pays all costs and arrearages. Then it's just a maybe, as the car has most likely been sold at auction already.

Even if a law was broken in the repo, it would not get the fruitcake her car back. It is a secondary issue that would be dealt with separately.

You know nothing about the law at all, so you should remain silent. I have worked within that industry, so I know both sides.

..that is really terrible. However you seem coherent and reasonable. What part of the brain was damaged that causes all loss of punctuation but all other writing ability is fine?

I would like to state first the both of you do not even know me furthermore it's really not nice of you  making remarks like you have about my education etc so for your information i was injured cause of a drunk driver and cause of it i now have a plate in my head steel rods in both legs and my back ok.

and now back to what is legal and what is illegal to enter a gated community illegally is a crime plain and simple furthermore to gain access by the means of deception is illegal and so is going threw a exit meaning one they where driving on the wrong side of the road,  as most repo agents feel they are above the law and will do what ever it takes to collect the finance company property and when the economy took a s**t repo companies hired more agents and most of the new ones do not know the laws pertaining to repose or as i said some will just do anything to get the finance companies property and if said finance company fails to address a problem they are acting in badfaith as she has clearly stated she assumed they received the payment since they had her account# the other fact some of you do not know finance companies are known to take advantage of the elderly etc.

OK now go a head make some rude remark like you do so you can feel better about yourselves and as i said from the start what i my self have had to go threw cause someone decided to drink and drive i had to pay the price not only having a plate put in my head which latter cause me to have a stroke so i have spent the last 2yrs learning how to walk talk a long with losing short term memory so i am sorry if i am not up to your standerds but i am deal what was dealt to me cause of a drunk driver so i hope your happy now.

Raven

When you get an education please come back.  Learn to use paragraphs and PERIODS!  Jees - thanks team rebut!

Raven, opinions are fine, facts are by far better.   Sorry to say many of your opinions are just that opinions but not facts.  And, if you want to be taken seriously you need to stick to facts.

Additionally, if you want to be taken seriously, then you need to learn how to properly communicate using the written word.

If you participate in a forum (like this one) where the written word is the main form of communication and you are unable to rise to the task of writing like an intelligent adult then you need to be prepared to be treated like an idiot.   I can assure you the real business world has little tolerance for your poor level of written communications at least if you expect to be gainfully employed in any type of well paid position.  

If you have in fact graduated from high school, then you are a prime example of how poorly our public education system is now performing.  If you have graduated from college I encourage you to ask for your money back.

I would have to say that all of those pesticides have cause some damage to your brain cells as for you do not even know who i am as there is a word called opinion and that's what i gave so to say i did not complete school etc shows you could not find one thing i said not to be true so go back to pedaling your poisonous pesticides that cause health problems etc, furthermore F Y I i am native American and i speak English shoshoni Lakota cherokee as well as writing it so how many languages can you speak and write so you have a nice day.

I never said it was OK for a repo agent or company to brake laws what i was saying is that repo man who said he would committed perjury as most do not know the laws and when recovery agents make a illegal recovery they can find them self's charge with a crime and most of the people that have made a commit regarding this mater are full of it meaning if anyone who starts to get overly loud can be charged with nuisance violation, further more making a illegal entry is trespassing as most gated communities will not just let anyone in unless stated other wise like a repairman or contractors etc as there is all so video cameras watching the front gate to make sure if anything happens there it can be used in the court of law to help there case then some just do not get it that a lawyer can not speak of a pending case and the same go's for the D A as it might affect the hole case plain and simple.

You're just suppose to let the liars get away with their crimes.  These repo guys break the laws themselves.

the longest run-on in RoR history.

Raven.

You are an idiot.

You know nothing.

Go back to the third grade, and then try again.

Well repo man one if you lie in court or any make any kind of statement i called perjury and if any recovery agencies enters a property on falls pretence is a crime to even going on native American reservation is not allowed furthermore if a repo company dose not give personal property back when the person is there is considered theft, then you have some who use intimidation or force is illegal as well and it sound you are one who is will to lie just to get your percentage from the repo and you would fit in just right with that lame a*s show with froy Matt etc and i know it's coming but no i have not ever had a vehicle repossess what i do know is the law and what is legal and what is illegal so before you open that mouth of your did you know most finance company sell and buy other finance company debt and in that processes they make errors then place the blame on the debtor. 

and if said debtor is behind on payments they are allowed to take the two months and put them on the back of said loan so back to what she has said yes two months behind but when a bank or a lending company fails to discuss problems with said client and work with them it's called acting on badfaith or being non compliant, as in most states if you are trespassing the property owner has the right to defend it at any cost and that go's for a gated community as to her filing a police report and they came out or she went down and they took it like she said then they did as they just do not do that to shut someone up they would have said to her it's a civil matter not a criminal one as most of know now how banks and finance companies have committed fraud by falsifying document to obtain money or there so called bonus and automotive dealers as well i can bet you do not know that assigned parking place is considered part of a person dwelling meaning they have the right once again to stop anyone even a repo agent from entry but i guess you mist that one as well so there you have it.

People need to file bankruptcy to keep these a*hole repoe guys off your property.  There are a lot of reasons why repoe guys are hated just look at the a*hole repoe guy response. I don't know why people just file for bankruptcy that will be the only way to keep your vehicle & out smart the repoe jerks.

If you file for bankruptcy you can catch up your payments if you file for chapter 13. You will not be able to get a new car for 10 years but it will give you a peace of mind at night & get a full nights sleep without worrying your car will be gone the next morning & these repoe guys will be "Pissed".

You can't "TRUST" a finance company when you call them & make up a payment plan.  They will "BETRAY" you in a heartbeat.  Just file for bankruptcy protection & catch up your payments so the a*holes want send some a*hole repoe guy to your home.

Sharon I am someone who you will not like someone who a lot of you would call a Thief In the Night, I am A professional licensed Repossesser and I may be even the next one coming after your car the next time you do not make your monthly payment.

   I have been following your Report and I can only see a few things that may hold a little water in your alleged case, and that is if your( video evidence that you have not showed us) does support what you have stated of the tow truck going in the gate the wrong way, but it may not make come court time because even if it does show the truck going in, all the driver has to say is that he was there on a service call, that someone called his company asking for road service, and hey what do know there is the car Ive been looking for on my repo order what a coincidence that was your honor. Oh by the way Sharon I see your car is back on the list I guess I may be seeing you soon.

 

Thief In the Night

Sharon again fails to acknowledge that trespass alone is not considered a breach of the peace in California.  She has been asked no less than 5 times (by Tagurit, Joseph, Southern Chemical, Mem, and myself) to cite the specific part of the law that states trespass alone is considered a breach of the peace and she has been unable to do so because it doesnt exist.   There is no such statute or law in the State of California including the Universal Commercial Code for California. 

The trespass into the gated community has be CRIMINAL trespass in order to be considered a breach of the peace.  This means the repo company must have been criminally charged with trespass in order for the repo to have been illegal.  If they have been thus charged, Sharon should be able to provide proof of that with a copy of the document loaded to this site.  Alternatively Sharon could provide the name and phone # of the repo company for verification.  Southern Chemical asked for this previously and she still has not provided that information.   The bottom line is if she cant produce it, none of us have any reason to believe her.   If she can produce evidence the repo company has been charged with criminal trespass and more importantly convicted of this, I'd be willing to reconsider my position on this.

Sharon still cannot read properly.   Henderson v. Security Nat. Bank 72 Cal. App. 3d 764     Is NOT about driving onto private property without permission it is about BREAKING INTO private property in this case a garage which is what made this specific case a breach of the peace.   LEARN TO READ.  I read the ENTIRE case and understood it apparently Sharon did not.  It does NOT apply to her situation because the fact is that once the repo company is in possession of the car (ex. Hooked to their tow truck) it is theirs.  Any subsequent damage to the car cannot be considered breaking and entering because at that point they are legally the possessor of that car.  Of course the repo company is responsible for paying for any damages to the car in their process of recovery to Chase but thats it.

deep corruption, and the constant pursuit to financially injure the innocent people who live in America and all over the world.

A cartel of corrupt, greedy, and inept bankers are in control of the U.S. Government, Wall Street, much of the Legal System, the Mainstream Media, and even the price of oil.

Simply 'Google' the following videos and watch them on the web for proof-

1) FRONTLINE: MONEY, POWER AND WALL STREET

2) FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY

3) AMERICA: FREEDOM TO FASCISM

4) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO

5) WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010

6) INDYMAC BOYS GET SWEETHEART DEAL

7) YOUTUBE FALL OF THE REPUBLIC

8) FRONTLINE: THE WARNING

9) FRONTLINE: INSIDE THE MELTDOWN

10) DID SPECULATION FUEL OIL PRICE SWINGS

Thank You

My enemy will never destroy me. God is on my side.

An open exit gate is NOT permission to drive on the private property from the owner, manager, or resident

NO, but that clause in the contract YOU signed does.

As for the case you cited, that was simply the repo man broke into a LOCKED garage.  There's a HUGE difference between a locked garage and an open gate.

Maybe, YOU should read the case and actually understand it and the laws you cite before YOU make a fool out of yourself.

YOU do have a "victim mentality".  YOUR mind just won't admit it.

ar Ripoff Report #269041.

Thank You

******NATIONWIDE MORTGAGE ALERT: Make sure to type in 481508 at this site and read St. Clair's Ripoff Report for valuable information if you have a mortgage in the USA and spread it all over the web at sites like Twitter and Facebook!

And, not a very bright one!

YOU need to learn to read statues correctly.

Driving any vehicle, as defined in Section 670 of the Penal Code, upon real property belonging to, or lawfully occupied by, another and known not to be open to the general public, without the consent of the owner, the owner's agent, or the person in lawful possession.
 

DRIVING is the operative word~

An open exit gate is NOT permission to drive on the private property from the owner, manager, or resident If My front door is open it is NOT an invitation to enter my home.

California has 2 million lawyers -- most aren't well versed in the law...

Vexatious litigants may receive permission from the head judge.
 

Section 602.8  has nothing to do with this issue.

YOU need to read statues properly.
 

Henderson v. Security Nat. Bank 72 Cal. App. 3d 764  The courts have long held driving onto private property without permission is a breach of the peace.

Perhaps you can chase a few ambulances 

It is very obvious that the alleged lawyer was dead wrong here, and probably not a lawyer at all.

I challenged this so called lawyer to post the CA law on any applicable "redemption period" on a repo of a vehicle, but he/she never responded with that info.

The reason for this is that the bank can send that vehicle directly to auction if they feel like it, as they own it. It belongs to them. Not the fruitcake.

As far as personal belongings go, the "burden of proof" is upon the fruitcake to prove what was in the vehicle at the time of the repo.

We used to purge the vehicles of all belongings right away on a repo. Then we would say "what personal belongings"??

It all comes down to the fact that nothing here in any of the fruitcake's reports was criminal so all actions roll over to the civil court if she want's to take on a big bank.

End of story.

Chuckles, why don't you do what EVERYONE on this site tells you to do  -  GET A JOB AND GET A LIFE !!    You're useless, Chuckles, absolutely and positively USELESS. Tell us all just ONE thing you have ever contributed to society.  You can't, can you ?? No, instead of GIVING, you TAKE from society.  You and your scamming mother live off the government ( OUR tax dollars ).  WE support you financially, Chuckles, and all you do is act like a braying Donkey-boy in return.  GROW UP, GET A JOB, GET A LIFE AND STOP IRRITATING PEOPLE, YOU PATHETIC ILLITERATE LYING LITTLE DONKEY-BOY !!

People on this site are so judge mental. Who are they to judge anyone & say they live such perfect lives & they have a right to be mean to others,  just like how they have been mean to me unfairly.

You must have me confused with someone else.

I would like you to post what I allegedly wrote right here.

Maybe you should leave your Mommy, and go live with Sharon.

Southern is nothing but a loud mouth hypocrite.

Thanks Southern Chem for getting the BS out of the way and right to the facts - again.  She continues to state that trespass = breach of peace but despite my asking her on multiple occasions to post the specific law that cites this and defines Breach of Peace in CA (not some lawyers website with his opinion) she has been unable to do so because it doesnt exist.   Ive stated all along that trespass alone does not = breach of peace and without a breach of peace the repo was indeed valid.  Same thing you have stated all along.  And, if I recall you figured out she was a fruitcake long before the rest of us.

You bring up a good point though, if this thing starts looking like a class action, Chase will roll out all the corporate lawyers and drag this thing on forever. 

As for the reality check she doesnt live in reality so  - - - - - - -

Ripoff Report #411913 for important information if you are employed by any of the publicly held banks in America, like JP Morgan Chase.

Here is a quote from Ripoff Report #411913-

QUOTE: "Employees' Social Security numbers are then used to conduct 'death sweeps' where banks typically hire outside brokers to sweep public records in order to learn if an employee or former employee has died."

Feel free to 'Google' this- BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES, and read the related articles on the web. JP Morgan Chase has $11 Billion in these policies on its employees, according to at least one of the articles.

Make sure to 'Google' this- FRONTLINE: MONEY, POWER AND WALL STREET, and watch that video on the web. The CEO of JP Morgan Chase, Jamie Dimon, can be seen in that video entering a room with other bank CEOS. (Pay close attention to the name of the bank that is mentioned at 7 minutes 58 seconds into Episode One.)

Thank You

Coming from someone who has personally done many repo's and has actually dealt with the Sharons of the world with the same exact baseless complaints.

First and foremost, Sharon was in default and the bank recovered their collateral as per the loan agreement. It belongs to the bank and that bank can do whatever they want with it.

Secondary issues regarding the repo itself do not change any of that.

Chase has probably sent that vehicle to auction already.

Here's a question for the lawyer.

What is the "redemption period" on a vehicle repo in CA?

What does the law say on that?

Give me the number of days the bank is required to hold that vehicle in order for the customer to redeem the loan and bring it current.

I'll wait for you to post the legal reference on that issue.

FYI...I have spent more time in court than many lawyers, and I have taken on and won cases that multiple lawyers told me could not be won. I sued a huge company in federal court who had a team of 6 lawyers working on the case, and they left with their tails between their legs..that's all I can legally say on that.

Furthermore, I know from working within that business that every single loan contract gives the bank the right to enter any property where the vehicle is known to be as long as they do not break to enter or breach the peace. According to Sharon's own report they did not engage in either activity.

Sharon is a fruitcake. She tried holding a major bank hostage, and lost.

End of story.

Do you really think that Chase bank is going to worry about what this fruitcake does?

Really?

Chase would tie up any case on this for years in court just for something to do.

Time for a reality check here.

When people stand up to stacy it really makes her mad.  I'm not going to take it anymore.  Stacy is mean to everybody she is the real "LOSER".  I have put up with this crap far too long.  Nobody should have to put up with abuse from anyone!.

Nothing she says really bothers me.  

Joe, thanks for posting the pics for me - don't know what you did to skinny down the file size but I could not get them to upload. 

Interesting observation about the attorney person - I guess we will see.

Say Hi to AP.  Signing off - I have to get up early tomorrow for work.

Pic's didn't attach last time so here we are.   Southern Chemical - I'm not sure the lawyer person is the same person as Sharon. Different writing style and not necessarily in agreement with her assertations.   Strange they posted anonymous but wonder if is is possibly someone who reviewed her case and decided not to take it?

All i have done is report the wrongs & injustices that have been done to me.  And look how abused i have gotten.

Chrekljes thinks he can intimdate me and call me names but I will not give up - sound familiar?? This report has nothing to do with you Dillweed - So grow up, get a job and get a life! 

Once again - the OP seems to think her way is the only way regardless of allllllll the rebuttals telling her she is WRONG!  Once again what is the reason you are on SSI?

I am going to address one specific thing in Sharons last post because I like Mem initially thought Sharon was a nice lady who had been wronged.
 
Sharon,  in Mems post #112 she actually compliments you stating you've appropriately connected the fact that in order for the repo company to have been guilty of conversion they must first be found guilty of breach of the peace.  That was a COMPLIMENT Sharon in case you have forgotten how to read.     She then goes on to state Sharon, I for one, would greatly appreciate if you would provide answers the questions. You may have a case here but I am unable to agree with you without this very important information.   Sharon let me interpret that for you because clearly you have reading and comprehension difficulties.  She is saying only that she cannot agree without additional information.  Provide the information and POW you have an instant advocate on your side.  But did you do that NO.  Instead you chose to insult and attack Mem in your very next post # 113    This woman was CLEARLY willing to be on your side until YOU attacked HER for ABSOLUTLEY NO REASON.  You owe her an apology.
 
In Mems post # 118 she clearly states AGAIN that she is not against you only that she was seeking additional information.  Here she is being nice to you even after you called her nasty names.  What is not clear about that can you not READ?  Apparently NOT.
 
In Mems post #120 she states My main point in my original post is there has been no consistent interpretation or application of the definition of breach of the peace regarding auto repossessions.  One is clearly needed.  If anything I hope your case sheds some light on this and creates some clarification to the written law to avoid inconsistent interpretation by the courts in future situations.
 
This post seems crystal clear to me and anyone else with basic reading compression skills that she is actually hoping your case will provide some much needed clarification to the law.  That is NOT disagreeing with you in fact I and most others would interpret this particular post to be in agreement she is simply stating there have been cases that have gone both ways and she hopes yours provides clarification.  How is that an attack on you?  Really?  I dont get it unless you just cannot read and comprehend.  And clearly you cant.
 
You are an arrogant crazy old woman with a nasty temper who attacks anyone and everyone.  All your silly lawsuits against all those police officers, judges, and other people are simply more proof you are a total nut-job. 
 
Sorry but you are NOT convincing me or likely anyone else on this thread not because of any supposed Ripoff Report Mob mentality but by your own irrational actions and nasty attitude.  Go post that in your book.  I doubt you will you will only include the things you consider will make you look good.
 
 

Yep Jeanski, we have a nutcase on our hands.  Saw the post from the attorney calling himself A. Friend and actually agree/see his points.  Nevertheless according to Ms. Sharon I am an alcoholic (because I made a joke about happy hour), an old repo person (because I didn't agree with all of her findings - some yes not all), a man (nope sorry I'm a woman not a man or a d**e), and apparently also a bully (apparently for outing her on this thread).

I find the whole thing both sad yet hilarious a the same time.  Seriously how does one hold down a high paying advanced college education required professional job if one is a booze hound and an old loser repo person?
I clearly have legitimate reasons for not putting my real name out here considering wackos like Charles - which Ms. Sharon being new to RoR is unfamiliar with.  But perhaps it will make Ms. Sharon feel better if I post pictures of my house, which I have have done here.  My new Lexus (paid for BTW) parked in my GARAGE with a DOOR and a LOCK.

Bottom line, you don't get a house and a car like this or a job like mine by boozing it up or making a living as a repo agent.  Sharon needs to get a grip on reality but clearly that is not going to happen given her history.  I think Mem said it best - no point in arguing with Crazy.  Even the attorney person wouldn't have her for a client.  I think that says something.

Meanwhile, it was worth a a good laugh at the end of a hard day of work.  Seriously though I can't spend any more time on this one - it's pointless.

Sorry Sharon - go fish you are wrong - again.

All stacy does is bully & target innocent people on rip-off report.  You may think people care what you say but they don't.  Mind your own business.

Lawyers are nothing but crooks. They agree to take your case then they leave you in more distress.  All they care about is getting away with something then what is "FAIR".  "SCREW EM".

The phony lawyer is a nice touch.That just shows how absolutely delusional and crazy this "Sharon" is. Any REAL lawyer would not post anonymously unless he/she is a stupid as Sharon!

Step up "lawyer" and post your name and firm here so I can call you and verify your information.

Well, all I can say a this point is that I refuse to have a battle of the wits with an unarmed opponent. It's like arguing with Charles or Rita....

Don't wait on an email from me. I have far better things to do with my time.

The bottom line is that regardless of how this turns out, you STILL won't get your car back unless you pay all the back payments and fees. Add to that the repo fees and storage, and you've got a big bill for someone on SSI.

As an intro I suppose I should disclose that I am a lawyer in California.  I can see there is a great deal of misinformation here.  So lets see if this will clarify by having a look at this situation specific to California law.
 
There are really two critical components of the law that will determine the legality of this repossession.  The first law being the nature of the trespass and the second being was there a breach of the peace.
 
First lets address the issue of trespass because the nature of the trespass will also help determine if there was an associated breach of the peace.

California Penal Code 602(n) contains the definition of trespass on private property as the following  (which has already been posted here previously) it states Driving any vehicle, as defined in Section 670 of the Vehicle Code, upon real property belonging to, or lawfully occupied by, another and known not to be open to the general public, without the consent of the owner, the owner's agent, or the person in lawful possession. 

While vehicles can in some cases be repossessed on private property it is against the law in California for the repossessor to go into a private building, such as an enclosed garage, or into a fenced or locked area, without permission from the legal owner of the building or locked area.  If the repossession agent entered the property after being admitted entrance by another resident (and that resident knowingly approved entrance) it is not trespass since the property is shared/community property and any lawful resident may grant entrance as they would also be considered an owner.  However, if the repossession agent went in an exit gate after another resident left and entered without the permission of that other resident then they committed trespass.  I suspect the latter is what actually happened given the early morning hour of the recovery.  This is why repo companies need to be very careful about resorting to self help on repos in private gated/fenced property in California.  It would not have been trespass if they had obtained a court order and were accompanied by the police in which case they could lawfully enter the property.  This is what the repo company should have done in the first place.
 
Now lets look at the associated penalties as this will help determine if there was a subsequent breach of peace. 
 
California Misdemeanor Penal Code 602 violations subject the violator to up to six months in a county jail and a maximum $1,000 fine.  If your offense doesnt rise to misdemeanor level, it may be charged as (or reduced as part of a plea bargain to) an infraction.   Example: Ignoring a "no trespassing" sign and going onto anothers private property will generally be charged as an infractionthe first and second time. A third offense on the same property will lead to a misdemeanor filing and which would be considered criminal trespass.   The section of the California Penal Code governing penalties for trespass is Section 602.8 which reads as follows:

(a) Any person who without the written permission of the landowner, the owner's agent, or the person in lawful possession of the land, willfully enters any lands under cultivation or enclosed by fence, belonging to, or occupied by, another, or who willfully enters upon uncultivated or unenclosed lands where signs forbidding trespass are displayed at intervals not less than three to the mile along all exterior boundaries and at all roads and trails entering the lands, is guilty of a public offense.
(b) Any person convicted of a violation of subdivision    
    (a) shall be punished as follows:

        (1)  A first offense is an infractino punishable by a fine of seventy-five dollars ($75) 
        (2)  A second offense on the same land or any contiguous land of the same landowner, without the permission of the landowner, the landowner's agent, or the person in lawful possession of the land, is an infraction punishable by a fine of two hundred fifty dollars ($250). 
        (3)  A third or subsequent offense on the same land or any contiguous land of the same landowner, without the permission of the  landowner, the landowner's agent, or the person in lawful possession of the land, is a misdemeanor  

It is important to note, a misdemeanor would make this a criminal trespass. 

Now lets look at breach of peace
 
Its important to understand first that breach of peace is not defined by the UCC (Uniform Commercial Code) in California or any other state. It is a legal concept with shifting boundaries,often to the detriment of the unwary creditor. Its important to understand the duty is confined to the actual repossession. The breach of peace must be incident to the repossession. Once a creditor has gained sufficient control over the collateral, the repossession is complete, and it is immaterial to the validity of the repossession if a breach of the peace occurs after that point.  Therefore mention of the case Henderson v. Security Nat. Bank, 72Cal. App. 3d 784 - 1977 is irrelevant to this particular situation as Ms Stephens at no time mentions breaking of any garage or gate lock to obtain access to her vehicle.  Any break into the vehicle after the repossession company has control of the collateral (hooked up to their tow truck), is immaterial to the legality of the repossession in of itself and only material in that repair costs for any damages can be recovered by Ms. Stephens.
 
So in order for there to have been a breach of peace one of two things must have occurred either (1) the repossession agent had to have been guilty of criminal trespass as identified in California PC 602.8 or (2) they violated any of the subdivisions of California Penal Code 415 while on private property in which case they can be charged with both trespass and breach of peace.   The related subdivisions of Penal Code 415 are as follows:

(1)  Any person who unlawfully fights in a public place or challenges another person in a public place to fight.
(2)  Any person who maliciously and willfully disturbs another person by loud and unreasonable noise.
(3)  Any person who uses offensive words in a public place which are inherently likely to provoke an immediate violent reaction. 

From what I have read thus far, it does not appear PC 415 is in play since Ms. Stephens has not mentioned any personal confrontation or conversations during the actual repo incident itself where she was present and asked them to leave.  This would leave breach of peace dependent upon the repossession agent being found guilty of criminal trespass. 

We do not know at this time if there have been prior incidents of trespass by the repossession company and if this is the third incident and therefore criminal trespass.  If the trespass is considered criminal then there was a breach of peace and the repossession was illegal and Ms. Stephens will be entitled to be compensated. 

There is still much information missing that has not been posted here and as far as I can see neither Ms. Stephens, nor anyone posting here subsequently, has addressed all of these issues.   So Ms. Stephens may indeed have a case depending on (1) how the repossession company entered the property, (2) whether the repossession company has had prior incidents of trespass to Ms. Stephens community (3) whether Ms. Stephens was present during the repossession and asked the agent to leave.  Additionally, the skill of the attorney representing Ms. Stephens, and the Judges interpretation of breach of the peace will come into play.

If a case is filed, Ms. Stephens will be required to have formal legal representation as she has been declared a vexatious litigant by the California court system due to the number of cases she has previously brought.

On a personal note, I would not represent Ms. Stephens given her prior history, but my professional recommendation to Chase given what information is currently available, would be to settle with Ms. Stephens without a lawsuit.  Additionally, it would be foolish for Chase to in any way sell or dispose of the vehicle until this has been settled.
 

and the meltdown of the economy in 2008, according to information that is available on the web.

Anyone can 'Google' this- FRONTLINE: MONEY, POWER AND WALL STREET, and watch that video on the web for proof.

Pay close attention to what was stated at around 7 minutes and 58 seconds into 'Part One', which is 54 minutes 14 seconds in duration.

Then 'Google' this- WHO OWNS THE FED?, and go to the the site with the five charts. Look at who is listed in 'Chart 1'. (J.P. Morgan Co.)

Thank You

WELCOME TO JP MORGAN CHASE- SOME OF OUR EMPLOYEES CAME UP WITH CREDIT DEFAULT SWAPS AND DERIVATIVES YEARS AGO, AND THESE FINANCIAL INSTRUMENTS LATER BECAME FINANCIAL INSTRUMENTS OF MASS DESTRUCTION, WHICH RESULTED IN THE MELTDOWN OF THE BANKING SYSTEM AND THE STOCK MARKET CRASH ON SEPTEMBER 29, 2008, AND THE LOSS OF EIGHT MILLION JOBS IN THE USA, BUT THE BANKERS WERE REWARDED WITH TAXPAYER'S MONEY FROM THE 'TARP' AND THEY KEEP MAKING MILLIONS UPON MILLIONS OF DOLLARS IN SALARIES AND BONUSES TO THIS DAY

Jeanski - Buffalo (USA) claims to "each logic and critical thinking" -- PLEASE - your thinking is hardly logical -- now critical YES to the extreme in a negative and and absurdly illogical way. She would need to know and understand that she has totally missed the three points of logical thinking! LOL!

YOU claim "There are many regulars on ROR who would have offered advice,"  YOU all offered advice! NONE OF IT WAS FACTUAL OR TRUE. NONE OF IT ADDRESSED CALIFORNIA LAW -- IT WAS ALL IN YOUR OWN ILLOGICAL THINKING.  YOU CLAM IHAVER A " victim mentality" LOL YOU NAME SOME "people like Ken, Stacey, Tagurit, the two Roberts, and YOU!"    LOL   and then say, " a
few others try to help but we can only do so much."  As far as I can ascertain, you are all the same person you using different names -- you all think the same boozed influenced  "happy hour thoughts" 

You are right about one things -- NONE if [you] know the law -- you are not attorneys and cannot even research the law...

I simply stated a complaint against one the biggest crooked corporations in the world, and YOU ALL jumped right on it and me!  I am a victim, BUT I do not have a victim mentality.

IF you were a true logical thinking you would have researched the California Law before you commented. YOU made a fool out of yourself in not doing so and in them claiming to "teach" LOL

The Tagurit personality is the  clownish jerk who probably drinks the most and thinks up new ideas on how to bully others who he can't answer logically.

Mem - (USA)  YOU supported and agreed with me??? When? Where? How? That is really delusional thinking. You must be the most childish personality. I only responded to you in like-kind -- YOU are the old lady of this crowd and your thinking shows that.

The two Roberts -- sound like sad old men who have nothing to do all day but sit around and agree with Tagurit.

Keep reading my blog for an update on a Report on Ripoff REport -- and  I will be sure and name you all so you won't be disappointed.

Gotta go -- if you want to use your real name, email me  :-) I love a good discussion that is well grounded in reason and logic.

and it appears in the consumer comments section at Ripoff Report #508984.

Thank You

***NATIONWIDE BANK ALERT: Make sure to type in 453956 at this site and read Jim's Ripoff Report for important information if you have money invested in a CD at any of the big banks in America that received bail-out money from the taxpayers, like Wells Fargo.

Grow up Chrekls - this report has nothing to do with you - what do you do?? Type your name in and attack everyone who dares to call you on your crap?? Call me all the names u want - me no care! I will be confortable in my big home, driving my big truck to my big job and working on my big SW degree.  LOSER - I love this site.

Stacy is a mean & cruel witch.  She is mean to people who don't deserve it.  She targets me & i haven't even done nothing to the B****. she does this to everybody on rip-off report.  I had the bad luck of putting up with her & her never going away.

Team Rebut wins again!! And Mem gets an honorable mention.  Sharon (from her posts) has the typical "victim" mentality just like Chrleius.  The fact still remains - 1) She did not pay her payments on time - the excuse of "they would not change my payment date like I wanted" 2) Still blames Chase for HER responsibilities 3) Uses the excuse of "I am on SSI (Social Security Disability) but does not answer when posed with the question of the nature of her "disability".

I tried to read her ignorant lawsuits filed against every jurisdiction she filed against but it gave me a headache.  As I stated before, these so called "Attorneys" must be bottom feeders like the OP ie: feeding off my tax dollars for being on SSI.

Yep here is Sharon calling people names again.  Just like she called me names even when I was initially showing I was in agreement with her and that there was much needed clarification of breach of the peace in written law and I dared to ask her for a bit more information before being 100% in agreement with her.  I actually quoted a paragraph from the very same attorneys site she references in her last post.  And thanks Tagurit for pointing that fact out in one of your prior posts. 

Unfortunately, she lost an ally in me with her holier than thou attitude and name calling. I find it hilarious that she calls everyone else a bully when she was the one that started all the name calling in the first place.  Im pretty sure it wont be long before she has issues with these current attorneys she mentions just as she has with all the other attorneys in the past that she has identified on her blog. 

And, that whoosh Sharon heard from Tagurits last post was Tagurits sarcasm going right over her head.  Actually Tagurit - that was a pretty funny post.  Looks like the insults from Sharon will continue ad nauseam.  As for myself, I refuse to debate with her going forward because not only do I feel sorry for her (actually I hope she does stick it to Chase because they ARE part of the problem) but I refuse to deal with her further because:

1. If you don't have to deal with a crazy person, don't.



2. You can't outsmart crazy. You also can't fix crazy. (You could out-crazy it, but that makes you crazy too.)



3. When you get in a contest of wills with a crazy person, you've already lost.



4. The crazy person doesn't have as much to lose as you.



5. Your desired outcome is to get away from the crazy person.



6. You have no idea what the crazy person's desired outcome is.



7. The crazy person sees anything you have done as justification for what she's about to do.



8. Anything nice you do for the crazy person, she will use as ammunition later.



9. The crazy person sees any outcome as vindication.



10. When you start caring what the crazy person thinks, you're joining her in her craziness.

 
Yep that about explains it all so Im done here.

Sharon, I teach logic and critical thinking as part of a research methods course for college seniors. Id like to think that my train of thought runs on the rational and logical line. Your reply #188 reflects a very immature attitude i.e., the inability to recognize that others (such as Tagurit) have provided AMPLE EVIDENCE that you have either misquoted or misunderstood the law. In addition, youve been called out on a few lies. 

I went to the website you referenced (www.bblocklaw.com) and was amused to find that one of the things he says is illegal is repossessing property over the consumers objection.  Im not going to argue the legality of that statement because Im not a lawyer. But it sure is illogical, isnt it?  If this statement is true, the repo companies would be out of business.  The victim who owes money on the car can just say, Well, I havent paid on the loan in a few months but I dont want you to take the car, OK?  Are the repo people and the loan companies supposed to just walk away? I dont think so. I suspect there has to be something more to it than this.  Then again, it IS California, so who knows?

There are many regulars on ROR who would have offered advice, but you have to be willing to give up your victim mentality and listen to them. People like Ken, Stacey, Tagurit, the two Roberts, me, and a few others try to help but we can only do so much.

I look forward to an update as events unfold.

What do these people have to gain by personally insulting me.  They have crossed the line many times & have said things that are unforgiveable. They drag this on for months on end with no ending in site.  I'm not going away.

There has to be a time to put a ending to all of this.

Have Mommy tuck you in and leave this forum to the adults.

Have a nice nappy-nap.

People will go to great links to protect bad business and corrupt people.  Its just amazing & they don't care about the injustices they cause people.  I don't care about the op just to bring out how infairly i have been treated.

"Has anyone really been far even as decided to use even go want to do look more like? AUTHOR: Ashley - springfield (U.S.A.)SUBMITTED: Wednesday, April 25, 2012POSTED: Wednesday, April 25, 2012

Youve got to be kidding me. Ive been further even more decided to use even go need to do look more as anyone can. Can you really be far even as decided half as much to use go wish for that? My guess is that when one really been far even as decided once to use even go want, it is then that he has really been far even as decided to use even go want to do look more like. Its just common sense."

Boy, this sounds just like me after a night of bar-hopping and getting up at 6 a.m.  lol

 I knew you just had to be a person who relied on "happy hours" and bar room arguments defending criminals and crooks with Jerry Springer mentalities --  like repo people - it shows in your lack of reason and sensibility in a apparently booze induced  dawdled brain that seems to take some sort of weird pleasure in proving yourself obviously incompetent except of course in "plotting your next bullying escapade. "

You know, life is funny -- filled with all kinds of people who come and go. I appreciate the interaction of them all and learn something from every experience, most of which I write about on my blog, or in letters to th editor, perhaps in lawsuits -- all of which benefits others.

What you do taguri is hide behind an inane name and spout absurdies that benefits no body....

Last night I attended my Tuesday night writing critique group and presented a piece I am planning to publish. I came away with such enthusiasm after being with people who are able to be supportive and uplifting even when pointing out mistakes with a willingness toward understanding and research. (Among our group we have two retired police officers in our group, and a woman who survived the evacuation  of Vietnam -- even though there was no room on the helicopter for her - she had to escape later. -- What inspirations these people are!)

What I find most disturbing about the "group mob-bullying mentality" on Ripoff Report is the  inability to admit when you are all wrong. YOU ALL insist you are right in your [lack of] understanding the law, even though I have suggested you look at what a California Attorney has to say about illegal auto repossession. I now suggest you look at one such website: http://www.bblocklaw.com/   Of course I am sure you will say "the attorney is wrong." LOL

Iam filing a lawsuit against Chase Auto Finance and I encourage everyone who has been hurt and harmed by the unethical practices of these crooks to do the same -- I have given them the courage to do so and that feels good.

May I also suggest that before any of you get invoved in tagurit's alchohol induced escapades that you take the time to research what he says so you don't all blindly follow him and make fools of yourselves.

I have sent several people to this site to  observe what goes on here....

You will find my report on Ripoff Report on my blog in the near future.  :-)

Youve got to be kidding me. Ive been further even more decided to use even go need to do look more as anyone can. Can you really be far even as decided half as much to use go wish for that? My guess is that when one really been far even as decided once to use even go want, it is then that he has really been far even as decided to use even go want to do look more like. Its just common sense.

Team Rebutt has after much angst, debate, and argument (mostly over whos turn it is to buy drinks) come to the understanding that we are not worthy of Sharons craziness.

You see, no matter how hard we have tried, the amount of time and effort we have placed into detailing all the reasons the segments of law she cites are either not applicable, incomplete, misinterpreted, or that she has lied, it is still not enough for Sharon.

Why do we know this dear readers, because she refuses to acknowledge that the people posting on this thread are not repo people and that we are also a part of the Cliques Of Normals Performing Insidious Rituals Aimed at Controlling You (C.O.N.P.I.R.A.C.Y), and we are not the only ones.

To that end, we hope those who end up in Sharons circle of gravity have the opportunity to read these posts.  And, we have posted at great expense below an educational prose explaining for Sharon, and anyone else with a penchant for tinfoil and living in an alternat reality what a Conspiracy is and how to spot them.

Because all evidence of the conspiracys existence has been removed, the absence of evidence is not evidence of absence. On the contrary, because one can find evidence of virtually anything, whether it actually exists or not, finding some evidence in and of itself proves nothing. Since we know that the conspirators have removed all evidence of their conspiracy, we must deduce the conspiracys existence by looking for conspicuous absence of any evidence of its existence. Having searched for, but not found, evidence of a conspiracy, we must then logically conclude that there is, in fact, a conspiracy, and further, that the conspirators are extremely clever and therefore very dangerous.

And now dear readers we leave you scratching your head as we ride off into the sunset to enjoy a crazy free happy hour and plot our next escapade.  

is available at this website.

Just stay at this site and type in- WALMART, and it appears in the consumer comments section at Ripoff Report #331785.
(You can also type in 331785 at this site and that will take you there.)

Thank You

***AUTO ALERT: Make sure to stay at this site and type in the following and read the Ripoff Reports from people all over America for important information if you have an automobile-

TOYOTA
NISSAN
HONDA
GM
CHRYSLER
GENERAL MOTORS
CHEVY
DODGE
JEEP
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Voice of Reason,

Exactly.  Unfortunately she states we all knew her full name but that was not the case until after she went on the radio show and someone posted back her last name.  Same for other information that she says she provided up front but did not in fact provide until much later in her posts (ex. gated community).

She says everyone was attacking her and calling her names when Mem clearly was not doing this in her first few posts to Sharon.  It wasnt until Sharon called Mem a stupid repo person when as best as I can determine Mem seemed to be on her side.  The reality is that Sharon was the one that started the name calling and attacking posters first when they didnt believe her due to lack of information she provided and for daring to asking questions for clarification.  

I suspect she has been combative like this with the people she comes into contact with on a daily basis which would account for all of her run ins with authorities.

I feel sorry for her but the bottom line is there is no reasoning with someone like her.  

No Sharon,

You do not know alot about the law, as none of the laws you quoted had any bearing on your actual case or circumstances.

And, you dodged every single legitimate question asked of you.

Instead of just giving all of the facts by answering the legitimate questions asked of you, you chose to throw insults and post frivolous information, and outright lies.

For example. You told us you got your car back, and at the same time on the radio show you stated you had not gotten it back.

You stated that the tow operator was fined $1200. You were asked to post proof. You failed to do so. Therefore, another lie.

There was no breach of peace, and the tow was not illegal. You were obviously sleeping when it happened and you did not confront the tow operator at the time the repo was actually taking place.

Furthermore, there is a clause in EVERY finance contract that gives the owner of the collateral the right to enter for purposes of recovering their collateral in the event of default. These clauses are worded in a variety of different ways, but they are in every single contract. Guaranteed.

FYI...I had a truck financed with Chase, and the clause I speak of is certainly in that contract.

The bottom line here is that you are a habitual liar, and are delusional, and need some professional help.

Chase acted in a perfectly legal manner in the repo of your vehicle. You know it, and we know it.

You are a deadbeat that lost a battle.

Get over it.

Move on.

Who would imagine a group of "nameless adults" attacking, name calling and bullying a 71 year old handicapped woman who a complains about a rip off by a big mega business like Chase Auto Finance and their contractor a tow company?

I used my real name, too.  Don't bother looking me up, though.  There are almost 700 of us in just my state alone, very common name.  To set the record straight, you started the attacks.

Of course, you could have straightened the whole mess out, and probably gained several allies, if you would have just answered the original question in a timely manner.  "Where was the car parked?"  This was asked numerous times by numerous people, and it took you almost a month to state that you live in an assisted living, apartment complex with locked gates going around the entire complex.

Certainly not one of you offered to help, or even to understand

Actually, if you would just answered the question referenced above, I think you would be surprised just how many allies you would have made.  Instead, you chose to resort to personally attacks.

I have used my real name from the beginning and all any of you needed to do was google it -- my blog is well known

Actually, you only gave your first name here.  Your last name did not come out until your conversation with Judd McIlain on their radio show.

All of the comments made here, at least on my part, were based on the information YOU posted.  Since you did not say that you live in a gated community, I went under the assumption that there was no locked gate.  With this assumption, it would have been perfectly legal for the repo agent to drive onto the property and take the car in the event that you defaulted on the loan, and by your own admission, you were behind on your payments.

Also, one last thing, at your age and given all the obvious legal problems you have had in the past, if I were in your position I would have just bought something used and paid for it full.  Then you wouldn't have to worry about payments, and in turn you would not have to worry about repossession.

     I have used my real name from the beginning and all any of you needed to do was google it -- my blog is well known  :-) It usually comes up right away. I get many contacts from the people looking to fight corrupt government people, corrupt courts and judges, police, and so on. I am very transparent. I post a lot of complaints as I want them to not be afraid to so. One attorney told me, "I like you; you ain't afraid of judges,"  - and I am not!
     BTW: You have the wrong address -- I haven't lived there for more than three years.
     I have nothing to hide and the revelation of my blog shows that: I post my name, address, phone number, and email address right out there for people to contact me. I want the contacts ... I have helped and continue to help a number of people.
     Thank you for posting excerpts from my blog -- it has brought me a few more interested, and interesting people  :-)
     As you hopefully can see, I know a lot about the law -- I learned it through excellent and scrupulous legal research -- too bad none of you can say the same. I have never met such a bunch of legally stupid people as all of you.
     My blog is a repository of information and I am writing a book by the same name as my blog. A LOT of people are interested in my experiences. I will post on here when it is finished.
     I have always been intrigued by studies in human behavior, e.g. The Stanford Prison Experiment (there is a link on my blog) and it has certainly proved itself accurate here. Why do good people do evil things? I like the Survivor series for the same reason -- The US Army did all of the original season experiments... now guess why would they do that?
     RIPOFF REPORT is a prime study in human nature, and I plan on doing a report about it on my blog. Who would imagine a group of "nameless adults" attacking, name calling and bullying a 71 year old handicapped woman who a complains about a rip off by a big mega business like Chase Auto Finance and their contractor a tow company? Why do good people do evil things? Certainly not one of you offered to help, or even to understand ... YOU are all the best examples of what is wrong in our society today and why we have the problems we do.
     Well "children" -- keep reading my blog...  I LOVE THAT YOU FOUND IT -- but it took you all soooo long.
     BYE for now  :-)
    

So Sharon is the lady who's older posts had the photo of I guess her, with the big wide brimmed hat?
I remember seeing the Cathedral City story on the web, and vaguely her other posts.
I thus hereby rescind my caustic comments made here, since, like Tagurit, I see she obviously has issues and is not just doing or posting what she does out of rational thought processes.
Some conditions just can't be cured and everybody else has to find a way to live with them. Apparently she's well enough to drive safely, we would hope.
I hope that none of this wrangling over the repo affects her residency where she's at. That would be a sad case. given such spectres, I hope she indeed does have a lawyer or two looking after her.

is available at this website.

Just type in 271454 at this site and it appears as 'Consumer Comment #81' at Ripoff Report #271454.

Thank You

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Jim, I'd rather be called a bafoon than be batsh*t crazy.   It's sad really.

Thanks for the compliment.  I'm not fond of repo companies either because I know there are many that skirt the law.  I would have been more than happy to get behind Sharon in her quest - unfortunately I think what I've uncovered is someone who is a real nutjob.  It's very depressing.

Not so fast Jerry,

From what I can tell Sharon has lost over $600K due to misconduct of HOAs, multiple police officers, multiple attorneys, multiple judges, and multiple other people.    At my last count there are somewhere North of 50 people in various positions of authority that she is either suing or has filed complaints about.

Sharon is clearly an incredibly intelligent well read well spoken individual who likely has a very high IQ.   I can only conclude she is either (1) the most unlucky put upon abused senior in the USA and everyone is conspiring against her, or (2) she is certifiably bat-sh*t crazy.  

I really and truly wish it was #1 because I know people who could help her and she looks like a lovely woman reminds me of my Aunt.   Seriously her blog pic is adorable.   Unfortunately the sheer number of cases and allegations and the bizarreness of them in addition to her multiple arrests and incarceration in a mental hospital led me to conclude #2.   This and the fact that if what she states was true, there are at least 2 attorneys I know in California that would be all over this pro bono (Im not talking about the Chase situation but the other cases).   I actually had one of them look over her blog and I can only state there was a good bit of eye rolling involved on their part.   I really wish I was able to come to a different opinion I just hate to think she is a nutcase but I simply cannot come to another conclusion given what Ive read.   I leave it to everyone else to make their own conclusions- read her blog all of it from 2007 to present. 

Ive summarized as best as I can and will not have all of this accurate due to the sheer volume of content.

2007 2008  I lost $100,00 in legal fees, her home and spent over a year in jail/mental hospital in trying to fight a void order brought against me by four police officers of The City of Cathedral City.

2009 filed complaint against property she rented order of protection filed against her alleged it was violated.  She went to jail.

2010 her home supposedly worth $380K was sold to pay for her  legal expenses.  A  home she had after being homeless with no money only 2 years previously.   I start to really question the facts here.

2011  - moved to a gated community started having problems making car payments

2012 the case against Chase for illegal repo

She has filed a vast # of complaints and cases against many people, only a few of which I have listed here:    HOA attorney Jose Liceaga, Jill Reed, Officer Glenn Haas, Judge Sabet, City Attorney, Charles Green and his assistant, Kendall Berkey, Police Chief Stan Henry, Assemblywoman, Bonnie Garcia, Deputy District Attorney, Kristi Belcher, Riverside County District Attorney, Rich Twiss, Riverside County Assistant District Attorney, Indio, CA office, Sue Steding, Deputy District Attorney, Charles John Gianguzi Jr.,  CCPD Sergeant, Charles Robinson, Attorney, Wayne Guralnick, Attorney, Kendel Berke, attorney, Neil A. Harrison, City Attorney Charles Green, Judge B. J. BJORK, Mary Brhel, Neighbors Ron Green, Jeffery French, and Brian Moreno, Sergeant Hatfield, , Sgt. Charles Robbinson, and Captain Kevin Connor, etc. etc. etc.

Directly from her blog:

As a direct result of the void on the face restraining order, the conspiracy. fraud, elder abuse, and more than one unlawful arrests and unlawful incarcerations I lost not only my home, but about  $500.000. I will settle for $450,000.    Kindly send me a check or money order for the amount of $450,000 on or before August 23, 2011 or I shall promptly file in Superior Court.

Meanwhile Im taking bets on how long before the attorneys she supposedly have now figure out what they really have on their hands.  God I am depressed about this now.

Is this the same Sharon Stephens with a blog that posts every single lawsuit filed in the history of San Bernadido (?) county?? Jees talk about a waste of taxpayers monies as well as living in section 8 housing and being on SSI (Social Security Disability).  Hell you are already eligible for SS anyway.

I suspect by stating you live in a gated community it must be an Assisted Living/Retirement - and yes most of these communities are gated nowadays to protect the residents as well as the facility itself.  That does not mean that you cannot pay your bills and scream lawsuit!

I think that these "lawyers" are just bottom feeders like you.

(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if (A) there is no present right to possession of the property claimed as collateral through an enforceable security interest;
(B) there is no present intention to take possession of the property; or
(C) the property is exempt by law from such dispossession or disablement.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm - Federal Fair Debt Collection Act

Ask your attorneys, this act DOES NOT apply to the original creditor.  It only applies to an outside collection agency AFTER they buy the debt the debt from the original creditor.

But, since you brought the act up, I just figured I'd post the full, correct version of the section you are claiming makes the repossession illegal.  Notice it actually says nothing about "breach of peace."  It actually says that they cannot take or threaten to take possession of the property claimed as collateral through an enforceable security interest IF THERE IS NO PRESENT RIGHT.  Now, when you signed that contract, you agreed that in the event you defaulted on the loan, the finance company, Chase, would then have the right to take back the property.  See, you gave them that right when you defaulted on the loan by not making your payment.

They admitted they did not use a key but "broke into the car.

I don't know why they would admit to breaking into the car.  I still don't see why they would even need to enter the car.  All the driver has to do is pick up the front wheels and secure the vehicle to his truck.  This is actually why I asked you to post the pictures of the damage to the car.  It is possible that they damaged the front end during transport.

In this day and age there needs to be more willingness to work with people -- I paid $9,000
down on this car. Chase needed to work with me -- but we all know how Chase has worked with others in foreclosures, etc.

The amount you paid down on the car is entirely IRRELEVANT.  All it does is make me wonder why you need government subsidized housing and SSI if you can come up with $9,000 for a down payment but couldn't manage your finances enough that you could hold onto the money for you car payment until the due date.  Of course, there is NO LAW or policy that would prevent you from making the payment that is due on January 24, 8 days before February 1, on January 1.  Chase is under NO obligation to work with anyone regardless of how much they paid down, how much they owed, age, race, sex, or any other reason you can come up with.  I don't have the exact number, but I'm sure Chase approves hundreds of loans yearly, do you really think you are any more important to them than any other customer?

The fine shall be five hundred dollars ($500) for each violation.) (Actually they can lose their license.)

What happened to the $1200 fine you stated he got earlier?  Update #115 you said "Right now this repo man has been given a citation and fined $1200"

In California if you are one day late they can repo your car -- no matter how much you have in it. Now, it you think that is right, just continue being the bafoon you are showing yourself to be.

YOU agreed to it when YOU signed the loan agreement.  How you, or any one else, feels about the policy months later, after you have signed, is also irrelevant.  If you don't agree with the policy, maybe you shouldn't have signed the papers.  Personally, if I had $9,000 to put down on a car, I would just buy something outright and not have to worry about payments.  That's just me, though.

Side note, you misspelled "bafoon" again.

read my blog

Well, if you insist.  I got a good laugh at the letter you sent to [Judge] THOMAS N. DOUGLASS on September 21, 2009 "making this thirty [30] day demand for $150,000."  Yeah, your perfectly sane.  So, did he pay up?  If so, I'm gonna start sending one of these to the judges in my state.  To answer your question yeah, it's beautiful.

I have been watching this thread for a while.  Very entertaining.  Wow Sharon, it's too bad you didn't post a link to your blog earlier - who knows it could have changed the tone on this thread.  Or not, hard to tell. You have certainly spent a lot of time becoming familiar with a variety of laws.

I'm not sure of status of your other cases against the Sheriff and Judge Sabin but hope you will provide updates as they occur and same for the situation with Chase.  Myself, I'm going to just sit back and wait to see what happens versus making any judgements one way or the other. 

Also, you must be very good at saving to have set aside that much while on SSI since you mentioned you receive is not very much.  Only thing I would have suggested (just a personal recommendation) is that you might have been better off to buy either a used car or one that you could have bought outright for the 9K.   You can actually get a decent car for 9K.   I've never bought a new car in my life  I always buy them 2 years old certified and warranteed, pay cash, and then drive em into the ground.  I just personally hate the idea of financing a depreciating asset and giving all that money to the bank.

I also read the post from Tag - I don't think you need to worry - it looks like they deliberately did not include full address, phone, etc. so I don't think you'll have anything to be concerned about.

Too bad it is Chase and not CitiBank (aka Sh*ttyBank) would have loved to see you rip them up.

I am a VERY well read advocate for people who get ripped off by people like Chase. You have placed a lot of personal info on here about me -- but most of it is wrong. The photos you have posted are clearly wrong.  So why not go all the way-- read my blog. ain't it beautiful/sharonstephensblog.com.  No, I am not wrong about California Law -- I have done a lot of it in court as a pro per and won some and lost some. Mostly won. I have been told by lawyers I ought to be an attorney. (I won't do that as  I want to retain my character.)

I posted my complaint against Chase in a lot of places. Omega was one, but not the tow company.

I have two pro bono California Consumer Attorneys who ARE taking my case -- believe me, THEY know the law.

What troubles me about people like you Tag?  You DON'T know the law and rather than do the legal research you just start barking that I am wrong, and then call me names, and make accusations that are untrue...  basically, you are a bully without credibility because you can't prove what you suppose is the truth. YOU aren't part of the solution, YOU ARE A PART OF THE PROBLEM!

You keep perpetuating the  myths about repos. My attorneys are taking my case because they have been looking for a case to make a point of how many people are scamed by repo people. I'm it!

I want Chase to "get theirs" -- for all the unfair damge they have done to far too many. BTW, I paid $9,000 down on my car -- I didn't try and beat them out of anything -- I only wanted them to change my payment date by 8 days. (In California if you are one day late they can repo your car -- no matter how much you have in it. Now, it you think that is right, just continue being the bafoon you are showing yourself to be.

I have my car back - Chase is trying to settle with me... but without an attorney. LOL

I have a blog with my address and phone number -- not hiding anything -- but fearful of you and that you  might stalk me...

I have posted this question in several places, Ripoff
Report. etc.  NO ONE SEEMS TO KNOW CALIFORNIA LAW -- SO,
HERE IT IS:


1.   I live in a subsidized, secured and gated, private (obviously not public) senior
apartment building in California.One must have a transponder to open the gates, and keys to enter the door into the building.I must have a parking pass to park in a designated parking
space.  The property is fenced all the way around.  I have lived here for more than a year.

3.   On both gates: one is an Entry gate, the other is an Exit gate are large,  well marked with PRIVATE PARKING; NO TRESPASSING Violators Will Be Prosecuted and other relevant signs. The exit gate is clearly marked EXIT ONLY! I have taken photos of both gates. (Does this matter  YES!)

4.   In California an apartment complex is almost always private property, with or without a gate or fence, owned by the landlord, or jointly if they are condos.  There are no dedicated ways for emergency vehicles WHICH MEANS IT IS DEFINATELY PRIVATE apartments owned by A PRIVATE
PARTY.

 5.    As a private CALIFORNIA community we are protected under the trespass statue: 
Penal Code 610(n) "Driving any vehicle, as defined in Section 670 of the Vehicle Code, upon real property belonging to, or lawfully occupied by, another and known not to be open to the general public, without the consent of the owner, the owners agent, or the person in lawful possession." Even if the gate is open they cannot drive onto the private property without permission.

      NO PERMISSION -- NO ENTRY! IF one goes through an "open gate" and drives
on to private property without permission it is a "breach of the peace"

6.     Courts have long held that a repossession company may not enter a secure area to
repossess collateral as that is a "breach of the peace" Henderson v.
Security Nat. Bank, 72Cal. App. 3d 784 (1977) -- "if [the creditor finds
that he cannot get possession without committing a breach of the peace he must
stay his hand and resort to the law..."

7.     CA Bus & Professions Code 7508.2 (g) 
Unlawfully entering any private building or secured area without the
consent of the owner, or of the person in legal possession thereof, at the time
of repossession. The fine shall be five hundred dollars ($500) for each
violation.) (Actually they can lose their license.)

8.   Conversion Law has to do with the possesser -- NOT the owner, .e.g.,  I am
the prossessor of the car and therefore anything done against the car is done against me and it is the same as if I am the owner. If the car is stolen, it is me who is the victim not
Chase.  I am a renter, the processor on private secured property it is the same as if I am the owner.  If one comes onto this property and commits and crime  it is as if I am the owner and
I have the right to prosecute them. The criminal counterpart of conversion is
theft.

9. Wrongful Repossession = Grand Theft Auto in California (Penal Code
487) if you break into a locked car, and take it from a secured private
property. (They admitted they did not use a key but "broke into the car.)

10.   Among other things, the consumer can sue for violations of the California and Federal Fair Debt Collection laws because they both preclude repossession of collateral when there is no
present legal right to do so. There is no present right to repossess property
when it would result in a breach of the peace on private property.

    A consumer who prevails on a claim under the California or Federal
Fair Debt Collection laws can recover actual damages (including the value of
the car), statutory damages and his or her attorneys fees and costs.(I have
two pro bono consumer affaIRS attorneys. WE ARE GOING TO SUE.

   I WAS NOT HIDING THE CAR. I WAS MAKING PAYMENTS ON THE FIRST OF EVERY MONTH -- THOUGH
LATE WHEN MY SS CHECK ARRIVED. IN CALIFORNIA THEY CAN REPOSSESS A CAR FOR BEING ONE DAY LATE -- Is it legal to repossess the car YES!!!! BUT THEY HAVE DONE IT ILLEGALLY...

   In this day and age there needs to be more willingness to work with people -- I paid $9,000
down on this car. Chase needed to work with me -- but we all know how Chase has worked with others in foreclosures, etc.

It's about time time they got some of it back  :-)

Sharon, you look like a nice lady from your blog (I read Aint it Beautiful) and it looks like you got unfairly evicted from Section 8 housing a few years ago for making complaints about safety of the facilities.   I looked at your case on this RE Logan Property Management.   If what you state is true, they really abused the law and I hope they get penalized for it. 

Regarding this post, it does look like at least one person Mem was actually on your side to begin with but for some reason you seem to have misinterpreted her post and instead you put her down and I think you lost a potential ally in your cause.  You might find that people actually want to help you if you stowed the attitude and actually answered what at the time appeared to be some very relevant questions it appears these questions were asked only because you did not provide all of the information up front.  You may have assumed that you did but unfortunately you did not.   I'm not saying that to get on your case, I'm just pointing out this might be one of the reasons you are getting so much push back from people on this thread.  

Only on this last very last post did you provide the name of the repo person  Tim Johnson - you said you provided it before but I looked at all of your prior posts and I am not seeing it in  any of them.  I am wondering however, why not just provide the name of the repo company there are thousands of Tim Johnsons.     Truly if you WANT people on your side - why not provide the answers to their questions up front rather than all the name calling?

Also, I did see the complaint you filed against Omega Recovery in San Dimas  on 5/19/2011, so you have been clearly been having issues with making car payments for a year or more.   l truly feel sorry for you because youve had medical issues and I understand how these can put you behind on payments but apparently you are simply unable to afford the car.  Im sorry if that sounds harsh but perhaps you should make other arrangements if you cant afford the payments.

You earned my respect for the diligence you showed here.

Thanks!

I live in a gated, secure, private (obviously not public) community. One may only enter with a transponder, or a door key. NO ONE may enter, let alone drive a tow truck onto the property without permission from the manager, the owners, or ME the resident in possession. (Penal Code 602(n) -- UnderConversion Law a renter is the SAME as an owner -- and yes if we have been harmed we can sue! --  sorry but that is that way it is in California!

Actually, unless the locked gate surrounds your property only, any resident can give permission.  Not that it matters, because YOU gave them permission to enter your property, in the event that you defaulted on the loan, when YOU signed the papers.

As stated before, YOU defaulted on the loan when YOU made the decision not to make the payment on time.  So, if you really did get your car back, I hope you are making your payments before they are due because I can guarantee you that the next time you default on the loan, they WILL repossess the car again.  Only this time, they will have their "incompetent" attorney get a court order for you to move it from your property to another location, such as a grocery store parking lot, so they can recover THEIR car.

If any of you here are so stupid to not be able to research, read and understand the law, and realize I that I have two California attorneys who DO understand the law

Still only 2, huh.  I would have thought that by now you would have a whole army of attorneys chomping at the bit.  Do this, ask your attorneys, who understand the law so well, how long they have been out of law school.

I have stated I will post the repo company as a separate report once we begin the case against Chase.

This is the first time you have stated it here.

I even posted the name of the repo man: Tim Johnson -- surely all you repo people can find him?

So, which Tim Johnson are you referring to: South Dakota Senator Tim Johnson, the dog from "To Kill A Mockingbird, or the former baseball player from the Toronto Blue Jays who lied about his service in the Vietnam War?  Or is it 1 of 104 Tim Johnson's listed in the white pages as currently living in the state of California?

As per your OWN words, "NO ONE may enter, let alone drive a tow truck onto the property without permission from the manager, the owners, or ME the resident in possession."

Well, obviously, someone on that list of gate administrators DID let the repo guy in!

ERGO, he had every right to snatch your as-of-then UNSECURED truck, SHMUCK!

What a looloo! Your 2 lawyers probably took this case for comic relief.

Reply to jim people protray to me a crazy mental person.  I have a right to be here without putting up with all this drama.

You know I feel a little bit bad about my last post.  Not entirely but a little bit.

From her blog, Sharon appears in fact an intelligent well read senior who appears to have been improperly evicted from Section 8 housing several years ago because she complained about unsafe conditions and the slum lords who owned the complex evicted her and filed a bogus restraining order in retaliation.  From her pictures on her blog spot she looks like a very nice lady.  But I go back to my original comment that if she is financing a car when she has no money and is on SSI and has to live in Section 8 government funded housing, then shes putting her money in the wrong place. 

I feel terrible for seniors who dont have the money to retire and keep a roof over their heads.  But not for people who abuse the court system seeking compensatory damages for baseless lawsuits as a way to generate revenue.

As for the housing situation I hope Sharon gets justice for that. As far as the car situation she needs to rethink her approach.

Jim, Stacey and everyone else, I provide you with final and incontrovertible evidence that Sharon is indeed a lying deadbeat.
 
On May 19, 2011  Ms. Sharon Stephens posted the following complaint against Omega Recovery in San Dimas CA
 
This company broke the law in repossessing my car. They trespassed Penal Code 415, jumping the gate that required a code to come onto my property -- at 5:00 am -- and broke the law of "Breaching the peace" California Commercial Code 9503. In California no one can reposes a car, with out permission of the owner behind a gated community. Sharon Stephens  (760) xxx-xxxx
Posted on 5/19/2011
 
Now what is particularly interesting about this is that this woman has been having repo issues since May of LAST YEAR.  This is not about being ill in the hospital recently and being a senior if in fact she was telling the truth about that to begin with.  This is not the first time her car has been repossessed.
 
Secondly the woman is a complete idiot because she put her full name and phone # on the complaint.  I have xd out the rest of the phone # to protect her privacy.  The phone # I verified goes back to an address in Montclair CA on a street that begins with an E. Again I will not post the exact address here to respect her privacy.  Using Google Maps I was able to find her exact apartment complex.  And surprise - no gate on the apartment complex.  Pictures attached (pictures do not include her address info to protect privacy).  Now , it may be possible she recently moved to a gated community in an effort to keep the repo folks from getting her car, but recent phone and address records show this is the apartment complex where she appears to be currently living.  BTW Ms. Sharon seems to have overlooked that it is a crime to deliberately hide an asset from a finance company to prevent recovery. 
 
What is also interesting is that on May 20th of last year she posted the following question online in an effort to try to find some legal reason the repo would not have been legitimate.
 
Legal to repo in a California secured gated community
On May 20th, 2011 Sharon Stephens (not verified) says:
I have asked this question from several and keep getting different answers:
 
Lastly she filed a recent complaint on May 17, 2012 on this site regarding the repo. 

http://www.my3cents.com/showReview.cgi?id=112503   There were 15 people who commented on that complaint all of who (just like of us) agreed the repo was legal.  My, what a surprise.
 
What is not a surprise to Steve, Jim, Robert, Stacey, Jeanski, or myself is that Sharon is indeed an idiot. 
 
So Sharon I have one question for you which I know you wont answer.  How do you like being exposed for the idiot you really are by all the idiot repo people as you call us?  Call me an idiot and I will use my internet forensic skills to find the truth and expose it.  So whos the idiot now huh?
 
The truth is you are nothing but a lying deluded deadbeat.  A true DERP of the first caliber.
 
CASE CLOSED!!  
 
P.S.  Sharon dont try to threaten me for revealing this information.  Your phone # and other information was public because YOU posted them in public forums.  Idiot.

I just don't read the mean comments that is directed toward me. 

Sure you do. Otherwise you wouldn't always comment on them.

I just would like to know why people target me & are mean to me the
most.

Why? Although others have already answered this question, I'll state it again. You make yourself an easy target for ridicule when you (a) post responses that have nothing to do with the OP's complaint; (b) use grammar like a third grader; (c) resort to name calling when you can't think of a rational argument; (d) post obvious lies and half truths about "people who did you wrong".

Charls, I've been reading ROR for a long time and you consistently put yourself out there in the middle of things about which you know nothing. If you have nothing constructive to comment on, just don't comment. Then we won't pick on you :-)

And yes, I deliberately left the "e" out of your name, just like you do to Stacey :-)

ALL of you continue in the same manner of false understanding:

I will say this: I live in a gated, secure, private (obviously not public) community. One may only enter with a transponder, or a door key. NO ONE may enter, let alone drive a tow truck onto the property without permission from the manager, the owners, or ME the resident in possession. (Penal Code 602(n) -- Under Conversion Law a renter is the SAME as an owner -- and yes if we have been harmed we can sue! --  sorry but that is that way it is in California!

BTW to the spelling and grammar police I  always say there, their, they're  :-)

If any of you here are so stupid to not be able to research, read and understand the law, and realize I that I have two California attorneys who DO understand the law -- then you are ALL dumber than I thought -- and really just laughable repo buffoons.

I have stated I will post the repo company as a separate report once we begin the case against Chase. (I have posted plenty of names of people in chase -- you can always contact them... I even posted the name of the repo man: Tim Johnson -- surely all you repo people can find him?

she lives in an apartment complex which does not in fact appear to be a gated community but which has both open parking spaces and what appears to be designated covered parking.

Yeah, I figured she was lying about, too.  This explains why she would never post exactly where the car was parked.

The fines for tresspass if any are maximum $500

This brings up the question of: what was the $1200 fine for then?  Maybe she was fined $1200 for wasting everyone's time.lol

If this woman is on SSI (Social Security Disability) then I wonder how she can even afford for a car payment.

Well, technically, she wasn't making the car payment, but I see your point.  Especially since she obviously can't manage her money throughout the month anyway.  I'd say she may be supplementing her income with these stupid lawsuits.  I wonder how many other companies she has done this to?

This is a little off topic, but I was just wonder if maybe Sharon, Charles, and Karl were all related.  They say mental illness is genetic.

once again i will ask how do you know that people are saying things about you if you do not read their comments.

Good research!! Seems that idiot Karl had to once again stick one of his "poems" and "google this" crap into a report that has nothing to do with him.  The initial report has gotten lost at some point but Sharon still seems inable to take responsibilities.  If this woman is on SSI (Social Security Disability) then I wonder how she can even afford for a car payment.

I work full time, own my home and cannot afford a car payment - I still drive my GMC Truck and love it even though it is 12 years old.  I guess those of use have priorities - unlike Charlresipoa and the OP.

I just don't read the mean comments that is directed toward me.  I just would like to know why people target me & are mean to me the most.

is available at this website.

Just type in 502469 at this site and it appears as 'Consumer Comment #4' at Ripoff Report #502469.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET, OIL PRICES, THE MAINSTREAM MEDIA, AND MUCH OF THE LEGAL SYSTEM IN THIS COUNTRY

I'm tired of these criminal lawyers & their false advertising on t.v.,  saying they are for the people.  Lawyers are only for themselves & letting the other side "WIN".  All people care about these days is "RUINING" other peoples lives & their is no justice.

Well everyone, there is one woman by her first and last name living in Montclaire CA.  I found her address and phone - neither of which I will post here as that would be in appropriate.  If this is indeed her and I suspect it is, she lives in an apartment complex which does not in fact appear to be a gated community but which has both open parking spaces and what appears to be designated covered parking.

If that is in fact the case - she has lied about being in a gated community and even if she did her case is meritless as it was considered a "peaceable repossession" since she was not present to object.   The fines for tresspass if any are maximum $500 and must be pursued by the apartment complex as she is not the sole owner of the parking lot.  Additionally, the California business code states that fine MAY be assessed not that it necessarily WILL be assessed.  

Sharon's hopes and dreams are nothing more than that - hopes and dreams. 

Well Stacey with an E, now we know why Charls hates you and I so much.  We are women.  And successful ones at that.  He can't get a woman, much less a successful one.   After all why would any woman worth anything have anything to do with such a loser.  Note his comment "I "HATE" them all & wish i could slap them to death" .    Well Chuckie tell us how you REALLY feel.

Poor little Charls jealous of Stacey and me and the fact we make good money live in our own homes and drive nice cars and didn't need a MAN to do that.  Boo h*o.

You are a pathetic piece of white trailer park trash.  I've included a pic of what I imagine you really look like after years of being holed up in mommy's basement pecking away at your computer keyboard because you have nothing else to do.

start with your mother

may be read by anyone.

You must type in 750752 at this site and it appears in the consumer comments section at Ripoff Report #750752.

Thank You

***NATIONWIDE MORTGAGE ALERT: Anyone in the USA who has a mortgage must type in 481508 at this site and read St. Clair's Ripoff Report for valuable information, and you may spread that Ripoff Report all over the web at sites like Twitter and Facebook.

Anony brought up the fact that Sharon that buys a car while living on SSI  I'd like to know how she can live in LA county (which is expensive from what I understand) in a GATED community, on her SSI?  If someone else is subsidizing her living expenses that needs to be reported to the social security administration.

Sharon - what's your secret??

MAY - such a word is full of meaning, full of a sense of possibilities and opportunities with its tiny and cute 3 letter combination of; m that is found starting words like mom, music, mirth and mischief; a found in the vowels of the English language itself therefore a hAppy letter full of mirth and mischief (the Greeks even call it the beginning letter); y why indeed is this letter the source of Sharons scorn since it is an affirmative letter of Yes and Yo and even found within funny sayings; but to Sharon this word is wrong, and seems to now be beholden to what she considers reality.

Sharon you see has taken this word, this word with its many and varied uses of historical, legal, and cultural significance and decided instead that may now means hence and forthwith MUST.

Why do we state this travesty of etymological proportions.

Well Sharon has once again helped define what to any reasonable, semi-intelligent, or even semi-illiterate person this word means, as the complete and bleeding opposite of what it actually should be.

In her latest treatise on why she is more equal than anyone else and why the world must Respect Her Authoritah! we bring to your attention a prior posting whereby she mentions the California Business and Professions Code specifically 7508.2 (g)  which states Unlawfully entering any private building or secured area without the consent of the owner, or of the person in legal possession thereof, at the time of repossession. The fine shall be five hundred dollars ($500) for each violation. 

Whilst she overlooks of course that the main section of 7508 states the following:  The director may assess administrative fines against any repossession agency licensee, qualified certificate holder, or registrant for any of the prohibited acts outlined in this article. It doesnt say they MUST assess a fine but according to Sharons DERP field of reality, MAY = MUST.   

Similar to the assertation that because she has filed a police report the DA of course MUST pursue it.   

Horror of horrors will MAY become MUST everywhere?

Is your last name Himmler?? Or is it Eichmann? Your rants have nothing to do with this post but since you seem intent on continuing your idiotic, baby like tantroms go head.  We all need a good laugh!

The only reason why army guys are married or have girlfriends.  Is because they only want their benefits.  That is the only reason females are supreme bitches who are in cahoots with each other to cause other people trouble & to play their female jealousy games. 

They even turn the sane guys into crazy & selfish assholes.  They don't want them to talk to anybody else except who they approve of.  I "HATE" them all & wish i could slap them to death because of how mean they are to people who don't deserve it.

If you have neighbors who are married the females are supreme bitches,  & they are in cahoots with the other neighbors who want to cause you trouble & be un-neighbors.  Who are just plain assholes MF.

Chuckles, everything that has ever been said concerning you on this site has come from YOUR OWN ADMISSIONS !!  How on Earth can that be called "slander" ( or more appropriately, LIBEL, since it is written, not spoken ) when you have admitted to every word of it ?? 

Though you are endowed with 4 legs, being that you are nothing more than a braying Donkey-boy, you haven't a leg to stand on.  Now, have your scamming mommy change your diaper  -  YOU STINK !!!  And, by the way,  HEE-HAW, you lying, whining, scamming, delusional  Donkey-boy.

No moose you are completely wrong & you're the moron!.  You're just slandering me like everybody else has done.  I just would like to know how people like you are able to get away with attacking victims on rip-off report.  This site is just a bully playground.

I really don't care about the OP so stop comparing me to them,  & you're really the pig so is everyone else on this site who has "Fake" screen names to hide behind their computer in their basement.

You people want to drag me into other peoples complaints.  I will speak hateful to stacy just like she does to me.  I can dish it out just as much like she can.  I'm tired of people harassing me.

Jim, that's certainly an interesting idea.  But I suspect the reality is she uses terms like "we" etc. to bolster her case and attempt to make herself appear more credible than she really is.  She won't provide the name of the repo company just like she won't provide other critical information because she knows if she does we will contact them only to find out the were never fined $1,200 and that she is lying about everything. 

Well Stacey, I see your stalker Charls aka Chuckles the Clown, Pig, etc. has followed you here and is hijacking yet another thread that HAS NOTHING WHATSOEVER to do with him because he is pathetic and has no life.   He and Sharon should get along famously - they are both morons.

After rereading all of Sharon's posts, I get this uncanny feeling that somethings not quite right with this whole mess.  I'll start by bringing up the original question that was asked when this whole thing started:  where was the car actually parked?  She claims that she has answered this several times but has yet to point out a single statement where she discloses this information.  Instead, all she does is respond with "what don't you understand?"

Now, in her latest post she says:  "WE have had a number of arrests in LA County of these repor buffons."  Notice the emphasis on the "WE".  To me, this implies that she was somehow involved in those cases, to.  BTW off topic: Sharon, you spelled "buffons" wrong.  It's actually "buffoons".  I just thought that since you called me stupid before, I'd point that out.  How does it feel to be corrected by an idiot?

I just get this strange feeling that she bought the car for the sole purpose of letting it get repoed.  It just seems strange how every thing just fell into place.  She even posted the original complaint on the same day the car was supposedly repoed, but at that point was able to quote a law in her attempts to convince everyone that it was done illegally.  Then, less than 2 weeks later, she already had 2 attorneys contact her and they are both willing to take her case pro bono but she still feels the need to call more attorneys.  I think her, her advocate friends, and possibly the attorneys were setting up either the bank or the repo man.  Why else would she buy a car and not make the payments?  I don't believe this had anything to do with when she receives her disability check and everything to do with some personal vendetta her or one of her friends have against the bank.  Of course, she's gonna say I'm wrong and have no idea what I'm talking about. But, is it really that far from the truth?

"I am hoping for more of the same -- and I am spreading my story far and wide -- with the name of the repo company."  I know you're not going to answer, but why exactly haven't you posted the name of the repo company here?

"So, I go to pick up my car yesterday. THEY HAVE DAMAGED THE FRONT END-- we took photos right on the lot. And of course my gas tank was drained of all fuel. Some of my personal belongings are missing..."  I'm surprised you said it was "drained".  It wouldn't have surprised me if you said they were out joy riding in your car.  I know you won't, but please upload the picture of the "damaged front end", that might help make at least part of your latest post believable.

these are the type of people that keep the scams going in the country.

Yeah, but who's really scamming who here?  Do you remember your original post?  YOU withheld payments because you wanted the payments due on a specific day and the bank wasn't bowing to your demands.  This put you 2 months behind, by your own admission and the bank took back THEIR car.  The way I see it the only one running a scam here is you.

The more I post on here, and Face Book, and other sites that take complaints... the more attention I get for this -- and you stipid repo people who keep responding is just haunching along the info LOVE IT-- KEEP IT UP!

Really?  What other sites?  Please post them here so we can all join you.  BTW you spelled "stipid" wrong.  If I'm reading this right you wanted to say "stupid".  And you should have used "are", not "is".

I await your next round of personal attacks and the answers to the questions I have posed here, though I know you are not going to answer them.

I see stacy the blabber mouth has to put her 2 cents in.  Stacy is the queen of bitches she has no kind soul but her day is coming just like everyone else,  they think their so invisble nothing will happen to them.  Stupid humans who think they will live for ever.

On a secondary note I doubt the OP has legal representation at all and if she does they are incompetent.   As a retired lawyer I can tell you one of the first pieces of advice we gave every client was to shut the f*ck up.  One of the keys to winning a case is not providing opposing council with any information that can be used against your case.  Loose lips have lost more lawsuits than I care to mention.  The fact that Sharon continues to come on this thread and flap her gums tells me she lacks competent representation.  And, if this situation was as she mentioned "causing Chase to go back and look at all their reposessions in the State of California"and attorneys are "swarming all over her to take her case pro bono" then this means someone believes they have a class action lawsuit.  And, if that is the case that attorney would be advertising like crazy to find other victims - the fact I'm not seeing this makes her claim beyond suspect.   On a final note, I find it amusing she thinks she is smarter than an ACTUAL attorney (albeit retired).

YOU ALL are represenative of never coming to an understanding of the truth of a matter.

No the problem is YOU ----- NOT everyone else.  You dont speak the truth much less understand it because you dont want to hear that you are WRONG.  So lets look at some of the lies youve already told.
 
Lie #1 -  your post #27

Yes, after a police report is made it goes to the DA.

No Sharon it doesnt.  That is NOT how it works.  The DA does not get involved until after it is determined a case has merit yours doesnt.  If it did, I would see it on the docket and I dont.

Lies #2 #3 and #4

Your post # 37 on April 6

Well got my car back     - uh actually no you didn't

Then on  On Judd's show (4-11-12) it's claimed that Chase still has your car

And then on your own post on April 20th you say you went to pick up your car that day - so you didn't have it until April 20th - if in fact you have it at all.
 
Lie #5 your post #113

The actual California statute states the following:California Commercial Code   Division 9. Secured Transactions; Chapter 6. Default    9609. Secured party's right to take possession after default   (1) Pursuant to judicial process.... if the car is behind a locked gate/door, leave;  

That is not what the statute says you have changed it to suit your purposes it in fact says exactly
RE: CALIFORNIA COMMERCIAL CODE Division 9. SECURED TRANSACTIONS Chapter 6. DEFAULT
9609.
(b) A secured party may proceed under subdivision (a) in either of the following ways:
(1) Pursuant to judicial process.
(2) Without judicial process, if it proceeds without breach of the peace.

Unfortunately, it does NOT say ... if the car is behind a locked gate/door, leave;    It states if without judicial process if it proceeds without breach of the peace. 

So youve already lied at least 5 times that I can determine and you then say everyone else should be ashamed of themselves.  No, you should be ashamed of all the lies you have told.  

As Southern Chemical has stated you are flat out crazy and cant even keep your lies straight. 

DERP = Dishonest Ethically-Challenged Ripoff Phony

Stacey - yep we got a live one all right.  Boy she sure has figured it all out - why we're ALL repo people.  Ah hah ha hah ha.  Seriously though, I am wondering if we've overlooked a possibility here that might explain why she can't seem to keep all her lies straight.  Perhaps she's been "over indulging" in all those "senior" medications.   I hear hydrocodone is quite the bom.   Although this still would not account for her arrogance - that just comes from a poor upbringing.    Perhaps DERP should stand for Drugged Everyday Really Pathetic.

Soound harsh -- no they need to do some hard labor; maybe it will clear their heads of the myths they are tryiing to perpetuate -- like on here.

Actually you are the one that needs hard labor and a lesson in telling the truth.  Youve lied multiple times on this thread.  You should be ashamed of your behavior.  Im 3 years older than you and as a fellow senior Im ashamed of you.  Anyone looking at this thread including any senior with any sense will see you for what you are a pathetic deluded woman who lies.  Your high opinion of yourself is nothing but a fantasy no one else and I mean NO ONE else is buying the load of BS youre selling.  

So, I go to pick up my car yesterday. THEY HAVE DAMAGED THE FRONT END -- we took photos right on the lot. And of course my gas tank was drained of all fuel. Some of my personal belongings are missing...

So what is your point?   If they damaged the car they will have to pay for it  - however this was never part of your original compliant or case so why are you even bringing it up?   Furthermore, when you first went to see your car, if you had done an inventory of personal belongings and signed the release form you wouldnt be here complaining about your personal belongings missing.   Stupid much?

Furthermore your original report was dated March 26 and only now on April 20th are you saying you went to go pick up your car  - or did you lie about it earlier too?   Clearly you cant afford the car but unlike myself you are too stupid to buy a car you can afford and pay cash for it.  I find it hilarious that you think a 74 year old retired woman such as myself is a repo person.   Your sense of self entitlement reeks to high heaven and your stupidity truly knows no bounds.  The FACT is the more you post here the sillier you make yourself look.   You are indeed as Tagurit has pointed out, nothing but a big DERP.

You are 71 years old?? My mother is 71 this year and even after her face lift was never this much of a drama queen as you are.  How pathetic. 

Well you caught us! We are all ex repo people and pro repo at that.  Fellow ROR friends we have been caught!! Turn in your repo badges and get outta town! 

YOU did not abide by your contract, got the BANKS vehicle take from you and now you cry foul.  I suggest you get off your entitlement pity pot and get a life.  OH btw - what are you on Social Security Disability (SSI) for?  You brought it up therefore I have the right to ask. 

Your NO Trespassing signs mean NOTHING to the bank that you OWE for a vehicle you do not OWN! Who are you - David Koresh reincarnated?

As most people understand you are never too old or too young to learn, life itself is a learning experience, whether it is a cruel one or an enjoyable one full of wonder we leave to the student to understand. Though in Sharons case the lesson on understanding the legal definition of breach of peace and legitimate repossessions or more importantly not buying things you cant afford has seemingly not been taught, or if it has it must of slipped through the cracks of her DERP (Deluded & Erratic Reality Distortion) Field.  

Unfortunately the DERP field surrounding Sharon is mighty and strong as it has been building for 71 years.  Nothing can alter her DERPness not even the power of the truth.   The fantastical case she has imagined, if one in reality even exists, when filed will eventually find its way in front of a judge (ie: those scary dudes and dudesess who sit at a bench and bring down punishments on the naughty boys and girls) who will in their irritation of having their time wasted by this nonsense make Sharon give up her lunch money and place her into a much needed playground detention where hopefully she will learn not to tell such whoppers.   But alas then we would all have nothing to laugh at.

You know OutLaw, these are the type of people that keep the scams going in the country. I am very blessed to be a fighter who won't let these repo people get away with it! And I am encouraging ALL seniors to fight back against crooks.

WE have had a number of arrests in LA County of these repor buffons, (See Judd"s web site) and even given them some jail time. I am hoping for more of the same -- and I am spreading my story far and wide -- with the name of the repo company. I am looking to put them out of business for good. Maybe they can find work digging ditches?

Soound harsh -- no they need to do some hard labor; maybe it will clear their heads of the myths they are tryiing to perpetuate -- like on here.

So, I go to pick up my car yesterday. THEY HAVE DAMAGED THE FRONT END -- we took photos right on the lot. And of course my gas tank was drained of all fuel. Some of my personal belongings are missing...

Now have my attorney notifying them we are making a claim on their insurance. If they won't answer her will make a claim anyway. Have witnesses.

SEE: This is typical repo behavior, and, it needs to stop. But the only way it ever stops is when we, the victims, go up against them.

:-)  :-)  :-)

The more I post on here, and Face Book, and other sites that take complaints... the more attention I get for this -- and you stipid repo people who keep responding is just haunching along the info LOVE IT-- KEEP IT UP!

so I don't have to pay for my 2 cars and then they can't do NOTHING about it. The we can just sit drinking lemonade wearing tinfoil hats pondering all the ways we can bury finance companies with the new loophole she found. Cannot repossess with permission. Love it...I'm in!!

Seriously, I've read posts on this site for a long time and I had to sign up to post, that this is by far the worst report I've ever read in this category. Sharon had flipped flopped so much since the first post I was even confused, but the ones I see rebuttal a lot kept it straight.

I see no one getting through to her unless you agree with her. I have a gramdama like that. Could be her?

Ill point out one very obvious point that has gotten lost in all this.  The OP states issues around payment due to not receiving her SSI until the first of the month and needing the car payment to match up to when she gets her SSI payments.

Im going to make a very obvious observation.  If someone is living month to month and funds are that tight then perhaps they shouldnt have been buying the car in the first place or at least buying one far less expensive.   Its called living within your means, and at 71 years of age it is a necessity.   I would have thought she would have learned by now.  Obviously not.

Secondly Mem, Southern Chemical aka Steve as far as Ive seen, has never been wrong on an issue regarding debt collection.  There could always be a first time - but I doubt it - and certainly not in this case.  He has called it correctly.

Mem there is no use in getting upset at the OP.  I can see where you tried to be nice to her but - - - -
The OP  lied about section 9609.  Where she said in section (2) without judicial process if the car is behind a locked gate/door, leave.   It DOES NOT say that.  She made that second part up.   
Her lawyers, if she has any, will figure out soon enough that she is not providing them with all the facts or the truth. 

She wants revenge plain and simple.  She is convinced in her own mind she is right and she is not interested in listening to anyone else.  Let the dingbat dig her own hole.

They claim to have a key making ability but the manager told me and my daughter they "broke into the car."  

Bid deal - repo agents can break into the car without damaging it with a slim jim and other tools.  Its not hard to do.  And, they are entitled to do this as part of the repossession.
As far as damage to the car the repo company may have to pay for that.  But, that has nothing to do with what you have stated previously is the basis for your lawsuit.

Now let me address one issue head on.  I have read every single relevant component of the law both those you cited and those you should have researched  and did not but which are relevant to the case you are attempting to make here.  I have read each of them multiple times.  You are assuming I have not because I dont agree with your findings.  And, there is a reason for that you are wrong.

 I have a degree in business and I used to work at an attorneys office before I retired so I know very well how to read and interpret the law and most importantly the actual cases and judgments that support the law.  I spent over 20 years researching and preparing briefs for my lawyer bosses and I was very good at it.  So get it through your thick stubborn head I am not a repo agent.  I am around your age and retired and unlike you I happen to know what I am talking about.  But thanks for ignoring my original posts where not only was I nice to you I was initially potentially agreeing with you because you did not present all of the facts and I assumed you were present during the repo.  Thanks for calling me a repo idiot without a shred of evidence to back that up.  Your failure to answer questions that are in FACT RELEVANT to the case simply demonstrates you are lying and hiding information because it will prove you have no case. 

Its also clear since you are completely unable to read and comprehend my posts then you are unable to read and comprehend the laws you cite.  You can cite them over and over again but you cannot cite a single one that explains how trespass alone onto private property was a breach of the peace because it doesnt exist.  Every single component I have quoted is directly from case law that means cases that have gone to trial and a judgment entered, in addition to the sections of law that you have cited but where you have LEFT OFF IMPORTANT CONTENT in an effort to slant the interpretation to what you want it to be rather than what it really is.  That might work on some other idiot not familiar with the law but not on me.

You are an angry woman who simply refuses to believe she is wrong.  No matter you will find out eventually the hard way as all hard headed people do.

is available at this website.

Just type in 508984 at this site and it appears as 'Consumer Comment #74' at Ripoff Report #508984.

Thank You

WELCOME TO AMERICA- ONE BIG LIE

It is amusing to read all of your rants about what you suppose is the California Law of auto repossession - but not one of you has taken the time to read and research all of the law that is relevant.  I have posted it over and over and still none of you can answer it. AGAIN it shows that lack of intelligent thought when it comes to this situation.

WE are filing a lawsuit against Chase Auto because they hired the repo people who state on the website they are very familiar with the law -- but are not. They claim to have a key making ability but the manager told me and my daughter they "broke into the car."

There is obvious damage to the front of the car, and we photographed it at the repo yard before we ever moved the car - and now they won't talk to me about it. YOU SEE: This is typical criminal repo activity, and they have all of you believing they can get away with it -- NOT THIS TIME!

HOW can ALL of you be so dumb and stupid. Not one person here has considered to really read what I have written; you ask stupid questions, make even dumber comments -- tyring to quote law that does no exist, and retaliated on me by calling me names and making untrue accusations. I put you in the  catagory of the Jerry Springer show guests...

Don't worry -- I will put the name of the repo company on this report, as a separate report when we file the law suit.

The law works if one knows how to research and use it.

Southern Chemical  - thanks for clearing that up.  I could not follow the sequence of events from her posting because she left so much important stuff out.  If it went down as you stated then she is definitely SOL.  She is also wrong about how them asking her to sign a release form is illegal.  That is standard practice whenever they release personal property back to the owner as proof they have not withheld or damaged any personal property.

She has also miss interpreted section 9609.  Where she said in section (2) without judicial process if the car is behind a locked gate/door, leave.   It DOES NOT SAY THAT ANYWHERE IN ANY PART OF THE WRITTEN LAW.  It says exactly
(b) A secured party may proceed under subdivision (a) in either of the following ways:
(1) Pursuant to judicial process.
(2) Without judicial process, if it proceeds without breach of the peace.

The bottom line is as Annony Moose has also stated there was no breach of peace therefore no unlawful repossession therefore no conversion.  Her statements that trespass on private property alone constitute breach of peace are incorrect and there is no statute that backs that up. 

What it appears we have here is an armchair lawyer that has done some research on the internet and assumes they understand fully the legal interpretation of what they are reading.  That and someone who is acting like a spoiled rotten child that didnt get what they wanted and is now throwing a tantrum and then telling the rest of us we should be ashamed of our behavior when she should be ashamed of hers.

That's not the way it happened, there was no breach of peace.

Once again, READ what the OP stated:

,...."On March 26th 2012 at 1:45 a.m. the illegally had their agent "drive a vehicle onto real property belonging to, and lawfully occupied by another and known to not be open to the general public, without the consent of the owner, the owner's agent, or the person in lawful possession [me]."  There is NO TRESSPASSING sign posed). California Penal Code 602 (n). In other words they committed a crime to repossess the car from me. (I have a video of this action)"...

She was obviously sleeping at 1:45 am, and she never stated anything about confronting the repo man.

What she IS talking about (that you improperly interpreted) is the conversation she had when she went to the impound yard where the repo man took the bank's property.

They can legally refuse to return your property for a few reasons. The first being that you need to produce a valid picture id AND proof of ownership of the vehicle. This fruitcake most likely refused.

And, if it went to court, the burden of proof of what property was in the vehicle would fall on the fruitcake, not the repo agent.

There is no case, and the repo man never got cited.

This fruitcake known as Sharon has told so many lies, she can't even keep them straight, and she has contradicted herself in too many different statements made here and on the radio show mentioned.

Flat out lies from a fruitcake.

The rubber room is calling!

I went back to an earlier post and found this from Sharon The video is attached to the police report along with the fact thr repo man tried to get me to sign a "release" (Illegal) and has refused to give me my belongings, and committed probable perjury on the police report.

So, if they asked her to sign a release then it would seem she may have been present during the actual repo. 

I'm not a lawyer but best as I can understand, if Sharon was there during the actual repo and asked them to leave and they did not then they breached the peace because the vehicle was enclosed in a private secured property.    

If she was present and asked them to leave then she does indeed have a case.   
 
This link from the law firm Marks and Weinberg explains Breach of Peace in more detail under these circumstances.  http://www.leaselawyer.com/casesandarticles/Articles/ALittleSomethingaboutBreachingthepeace.pdf

In summary, when the goods to be repossessed are located on property belonging to a third-party, courts are more likely to find a breach of the peace, especially if the circumstances surrounding the repossession are unusual (i.e. repossessions at odd hours, or in remote places, etc.). ix
 
This analysis, too, turns on the likelihood of violence occurring during the repossession.  A mere trespass, such as going onto a borrower's driveway and repossessing a vehicle, is typically not considered a breach of the peace.x However, when the goods are enclosed in some way, however, such as within a fenced-in area, the lender's right to self-help is severely limited.xi
 
Note: while it states severely limited its not completely limited.  The case hinges entirely upon her being (1) present during the actual repo and (2) telling them to leave.   So long as she meets these two requirements she has a case.

Mem, dont waste your time trying to be nice to her she wont answer your questions because if she did it would become evident she has no case.
 
Here is why, from what I can determine since Sharon refuses to answer certain questions is this:  She lives in an apartment complex with a fence and security gate.  The car was either parked in an open parking space or on the street inside the complex.  The repo took place at some early hour of the morning when she was not present and so was not able to confront the repo agent or object to the repo.  No gates or locks to enter the community were broken.   The car lock was not broken/damaged as the repo folks are able to open cars without breaking anything.
 
The key element of the case she is hanging her hat on is Breach of the Peace.  Without this there is no illegal conversion and no illegal repossession - PERIOD.    She quotes several sections of law, etc. all of which I have read extensively (despite her insistence none of us have read or understood them).  Every section of law she points to does not address the KEY ISSUE Breach of the Peace.
 
A clear definition of Breach of the Peace is not found in any state statute, much less in the California Universal Commercial Code.  So she cannot prevail REGARDLESS of the sections of law she has quoted  because there is no language anywhere in any statute in California that states that trespass in of itself into a private gated community falls within the definition of Breach of the Peace.   And by that I mean an attestable definition that will hold up in a court of law, not a Google armchair lawyer version.    It simply does not exist and it is not included in any of the laws that she refers to.  
 
A breach of the peace statute commonly requires that conduct constituting a breach of the peace must be clearly a type of misbehavior resulting in public unrest or disturbance. It is frequently defined as constituting a form of Disorderly Conduct. Examples include using abusive or obscene language in a public place, resisting a lawful arrest, and trespassing or damaging property when accompanied by violence.   The key here is trespassing WHEN ACCOMPANIED BY VIOLENCE.   In a nutshell if she was not physically present and did not ask the repo agent to leave and the repo agent had no altercation with anyone when performing the repo then there was no Breach of the Peace PERIOD.  No Breach of the Peace no case PERIOD.
 
This woman is doing a disservice to all those who have legitimate complaints against the actions of repo companies where the repo agents have truly stepped over the line by threatening or actually engaging in violent behavior, stolen personal property, actually broken into locked garages, gates, etc.
 
They may settle her case just to make her go away because it will cost them less t settle than to fight it not because she is in the right.   If the repo agent has in fact been for $1200 for trespass that is likely the extent of what will happen.
 
And Sharon, you really should stop using lawyers you find behind methadone clinics.

But I'm SURE someone HAS to have pointed out that if your car is able to be repossessed, it ISN'T YOUR CAR.

I paid for my car in cash.  If someone came onto my property with a tow truck and removed my vehicle without my permission, THAT is theft.  I have the title.  No one else.  It is MY vehicle.

You obviously had your car financed.  The bank has the title.  You do not.  It is not your car until it is paid off COMPLETELY.  Chase isn't doing anything wrong.  At all.  They didn't break in anywhere, they didn't break your windows or pry open your garage.  They hooked it up to a tow truck and took it BACK, because it's THEIRS.  

If someone is borrowing my vehicle and paying me a monthly fee to use it, I don't care who it is, if you don't pay me, I take it back.  I'm not giving it to you for free.  If you were in the hospital, it's YOUR responsibility to have someone call them and figure something out for you.

When you wanted your payments changed to around the time your SSI check comes, why were you not on the phone EVERY DAY until it happened?  Customer service associates are people too, and some are terrible at their jobs.  If the request to change the due date sat on someone's desk, sure that isn't your fault, but letting it go on for months WITHOUT PAYING IS.  

You can't just NOT pay your mortgage or your rent, or any other utility really, without repercussions.  Don't take this as being uncaring or unsympathetic.  I feel for you, as I'm sure most people do.  Being in the hospital sucks. Being sick sucks.  But guess what? You're an adult.  You have responsibilities.  Other peoples' lives don't stop because you're sick.  

Moral of the story?  Act a little more responsible.  You do NOT own that car if there is a loan on it.  The bank owns it.  It's not their problem that you're sick.  You let things happen like this.  You have no one to blame but yourself, but judging by your responses and your initial post, it's NEVER your fault, is it?

I really hope at some point you have an epiphany and realize that you need to take responsibility for yourself at SOME point.

FIRST: It is obvious that I live on secured private property or I never would have quoted Penal Code 602(n).   It is what protects all of us in "private property, secured communities in California from the criminally-minded-repo-people from driving onto our property without permission. NO PERMISSION -- NO ENTRY! IF you all go through an "open gate" without permission it is a "breach of the peace" and a break in, and Grand Theft auto if you break into a locked car, and take it from a secured private property. (Penal Code 487.)

No where in that definition the LEGAL definition is trespass alone considered a Breach of Peace.  Peaceful repossession is permitted.   In repossessions of vehicles from consumers, if the owner makes any effort to interfere, the courts tend to declare the acts of the repossessor tortious and not peaceful and often will award damages to the owner for a tortious repossession.  Hence Mems legitimate question to you Sharon on whether you were present during the repo and asked them to leave and they didnt.  Nowhere have you mentioned this so Mems question is understandable.  If you were present and asked them to leave and they refused then you are absolutely correct and you have a case against them but again nowhere in ANY of your responses have you answered this question so why are you snapping at Mem for asking?   

SECOND:  Courts have long held that a repossession company may not enter a secured area to repossess collateral as that is a "breach of the peace" Henderson v. Security Nat. Bank, 72Cal. App. 3d 784 (1977) -- "if [the creditor finds that he
cannot get possession without committing a breach of the peace he must stay his hand and resort to the law..."

Sharon, in this case, which I have read extensively, two causes of action were alleged; the first was for "conversion" and the second for "trespass." Each was based entirely upon Henderson's contention that in the repossession of his automobile the lock on his garage door had been broken and that such an entry by force, if made, was of course unlawful.  Henderson's cause of action for trespass was based entirely on theory that the Bank had either authorized the breaking of a lock on his garage   The applicable rule is that there is a conversion if force or threats of force are used to [secure] possession of the automobile.   Again, Sharon nowhere in any of your posts do you mention anyone breaking the lock on your garage or use of any force against you, etc. so why are you getting angry at Mem for asking the question to clarify this? 

THIRD: There is no clause in any CALIFORNAI contract that allows for a repo person to break the law of Penal Code 602(n); Bus & Professional Code 7508.2(g);Penal Code 487, or to violate Conversion Law, or the California Fair Consumer Law. (The police and I went over the contract with a fine tooth comb -- no such clause exists!  The repo guy told  them it did exist! He lied. -- HE AND THE OWNER HAVE BEEN REPORTED TO THE STATE OFFICE THAT CAN TAKE AWAY HI LICENSE.

Again regarding Penal  Code 602(n) ------ The HOA or the Apartment complex are the owner of the property trespassed upon UNLESS the repo agent entered your driveway, carport or garage.  But AGAIN YOU NEVER ANSWERED THE QUESTION OF WHERE YOUR CAR WAS -  NOT EVEN WHEN YOU HAD BEEN ASKED FIVE TIMES.  So why are you getting pissed off that Mem asked this very relevant question?   If the care was on the street inside of the gated community or in a parking space, then the apartment complex or HOA is the only entity that can sue under this provision, not you, because this is shared/community property.  And the penalty that would be assessed for this is minimal.

FOURTH:  Conversion Law has to do with the POSSESSOR -- NOT the owner, .e.g.,  I am the possessor of the car and MAKING PAYMENTS, therefore anything done against the car is done against me and I am the same as the owner. If the car is stolen, it is me who is the victim. I am a renter on private secured property it is the same as I am the owner.  If one comes onto this property it is as if I am the owner and I have the right to prosecute them. THAT IS THE LAW OF CONVERSON. 

Mem did not even bring this up other than to state he/she was in agreement with your observation that whether you rent or own is irrelevant you have the same rights either way.  But instead of reading Mems response you chose to take him/her to task for something they were actually in agreement with you on. 

So if your goal was to prove you are a b*ch you just did in spades. 

And BTW Im not a repo person either just someone who thinks you are deliberately avoiding answering some very important questions because it might become apparent that you actually have no case.

RE: CALIFORNIA COMMERCIAL CODE Division 9. SECURED TRANSACTIONS Chapter 6. DEFAULT
9609.
(b) A secured party may proceed under subdivision (a) in either of the following ways:
(1) Pursuant to judicial process.
(2) Without judicial process, if it proceeds without breach of the peace.

Unfortunately, it does NOT say ... if the car is behind a locked gate/door, leave;    It states if without judicial process if it proceeds without breach of the peace. 

Again getting back to the definition of Breach of the Peace a term that is loosely defined at best in the California Universal Commercial Code and which has been interpreted differently by different judges in the State of California.  Potentially to your benefit I might add Sharon.

The 'law' simply says DO NOT BREACH THE PEACE.  However as I mentioned previously, the courts (specifically different judges) have had different interpretations.  Some have stated: If the debtor refuses to give you the car, leave; If the debtor tells you to get off the property, leave; if the car is behind a locked gate/door, leave; basically if the debtor objects in any way, leave.  There have been cases where it was determined to be a breach of peace if the repo agent entered an underground parking garage in a Los Angeles high rise if the garage had a security gate. 

Conversely, there have been other cases where it was determined not to be a breach of peace if the repo agent entered a gated community after being let in by another resident and repossessing the car (which was accessible and in plain sight) without either the objection or knowledge of the owner.

My main point in my original post is there has been no consistent interpretation or application of the definition of breach of the peace regarding auto repossessions.  One is clearly needed.  If anything I hope your case sheds some light on this and creates some clarification to the written law to avoid inconsistent interpretation by the courts in future situations.

It's put up or shut up time right now Sharon.

Since you say this repo man got fined $1200, that means you know his name and have access to the citation#.

POST IT HERE.I want to see it.

Post this "criminal's" name here for all to see.

(So I can contact him and verify the ticket).

Put up or shut up.

Sharon, I am neither a repo person nor am I against you in this matter.  I am sorry you did not fully read and understand my post.   There has been precedent of cases being decided both ways on this issue. 

In Los Angeles there have been cases decided against the repo company for the very reason's you state - specifically in situations of underground parking garages with security gates.

There have been others that have gone the other way due to the Judge interpreting the breach of peace differently if another member granted access to a gated community.

In either event the law is a bit fuzzy on this issue given the different interpretations by judges on different cases. 

Perhaps your case will be cause for additional and much needed clarification written into the uniform commercial code.  And that would I think be a good thing.

I am very dissappointed in your unwarranted attack on me and your unwillingness to answer the questions that have been posed as they were asked in genuine curiosity and not in judgement of you.

 Sharon, don't know why you are getting beat up so much by Team ReBUTT. Team ReBUTT believes they must pound on every report. This is the longest I've ever seen them attack a post. 

is available at this website.

Just type in 714284 at this site and it appears in the consumer comments section at Ripoff Report #714284.
(Make sure to read Ripoff Report #714284 before you read the poem.)

Thank You

WELCOME TO AMERICA- ONE BIG LIE

LOL -- What legal point do you or any of these people have???

NONE!I am angry that people such as these would try and defend crooks and criminals and then do it with no law to back them up. I see too many people that are victims of these ripoff repo and YES! That makes me quite upset. Sorry  you can't understand that -- and you do the same thing and have no law to prove anything you say -- and that makes it worse.

My case will probably never make it into court. These cases settle before they ever go to court because corporations like Chase and the repo company don't want the publisity  - I want to make it known and that is part of my goal -- I WANT TO SEE REPO CROOKS LOSE THEIR LICENSE IF THEY BREAK THE LAW!

Right now this repo man has been given a citation and fined $1200 -- that is not enough! I WANT HARSHER PENALTIES -- perhaps jail time.

"Evil can only exist when good people say and do nothing about it."

I don't see anyone here standing up against evil -- rather they are supporting it.

Shame on you all!

I just want to make that clear--never have been. And I try not to take sides one these posts,but we need to look at this rationally.

To Sharon-- clearly you are mad about this. And I understand-I would be also.

Everyone use-- This clearly in a pointless fight. She will never see your side of this, she will not see reason so forget it. Even if there is a court case and she loses, she will still think she is right--so whats the point? Let her sue them if it makes her feel happy. The judge will be the judge.

Mem- YOU are just plain wrong and give NO LAW statue to back up YOUR opiinion. You are just talking to hear yourself talk; very boring!

IN CALIFORNIA what is breach of the peace:

The actual California statute states the following:California Commercial Code   Division 9. Secured Transactions; Chapter 6. Default    9609. Secured party's right to take possession after default   (1) Pursuant to judicial process.
... if the car is behind a locked gate/door, leave;  

Penal Code 602(n) requires permission to drive a vechiel onto private (obviously not public propery!) IF gate is somehow open that is NOT PERMISSION to drive onto the property, anymore than my open front door is permission to come in. 

AGAIN:

FIRST: It is obvious that I live on secured private property or I never would have quoted Penal Code 602(n).   It is what protects all of us in "private property, secured communities in California from the criminally-minded-repo-people from driving onto our property without permission. NO PERMISSION -- NO ENTRY! IF you all go through an "open
gate" without permission it is a "breach of the peace" and a break in, and Grand Theft auto if you break into a locked car, and take it from a secured private property. (Penal Code 487.)

SECOND:  Courts have long held that a repossession company may not enter a secured area to repossess collateral as that is a "breach of the peace" Henderson v. Security Nat. Bank, 72Cal. App. 3d 784 (1977) -- "if [the creditor finds that he
cannot get possession without committing a breach of the peace he must stay his hand and resort to the law..."

THIRD: There is no clause in any CALIFORNAI contract that allows for a repo person to break the law of Penal Code 602(n); Bus & Professional Code 7508.2(g);Penal Code 487, or to violate Conversion Law, or the California Fair Consumer Law. (The police and I went over the contract with a fine tooth comb -- no such clause exists!  The repo guy told  them it did exist! He lied. -- HE AND THE OWNER HAVE BEEN REPORTED TO THE STATE OFFICE THAT CAN TAKE AWAY HI LICENSE.

FOURTH:  Conversion Law has to do with the POSSESSOR -- NOT the owner, .e.g.,  I am the possessor of the car and MAKING PAYMENTS, therefore anything done against the car is done against me and I am the same as the owner. If
the car is stolen, it is me who is the victim. I am a renter on private secured property it is the same as I am the owner.  If one comes onto this property it is as if I am the owner and I have the right to prosecute them. THAT IS THE LAW OF CONVERSON. 

 I WOULD LIKE IT IF EVERYONE WHO WANTS TO RESPOND TO THIS POST WOULD FIRST RESEARCH CALIFORNIA LAW -- ME, THE POLICE, MY ATTORNEYS, AND FRIENDS HAVE ALL DONE SO AND WE KNOW WHAT WE ARE TALKING ABOUT.

YOU REPO PEOPLE ARE TRYING TO MAKE YOURSELVES LEGITIMATE THROUGH YOUR OWN OPINIONS AND BELIEFS -- BUT YOU'RE JUST AS CROOKED AS EVER!

"A lot of crooks like repo people think that if a gate is open they can get away with going through it. WRONG!  Penal Code 602(n) is clear: "No one may drive a vehicle onto private property without permission..." An open gate is NOT permission, and can be interpreted in the law as a breach of peace and breaking and entering."

Sharon, it looks like you've appropriately connected the fact that in order for the repo company to have been guilty of conversion they must first be found guilty of breach of the peace. 

However here is where it gets sticky from a legal interpretation standpoint.  The definition of breach of the peace

A wrongful repossession occurs when there is a breach of the peace. Examples of a breach of the peace include the following conduct in connection with a repossession:

• repossessing property over the consumers objection (note the consumer must be present);



• using or threatening to use force;



• threatening arrest or other involvement by law enforcement;



• forcing a person to stop his or her car;



• breaking through a closed or locked barrier (e.g., a garage), or damaging the vehicle.

But what is considered a Breach of the Peace (BOP)?

Part of the answer lies in the Uniform Commercial Code (UCC): The intent of the UCC and BOP is to deter violence, or the threat of violence, during the process of self-help repossession.

In order to avoid BOP, however, you must be able to define it. A clear definition of Breach of the Peace is not found in any state statue, much less in the UCC. The best rule of thumb is if the collateral recovery agent (repo man) is faced with potential violence or physical confrontation, he must retreat without the collateral. If he does not, then the chance of a true BOP increases to the point of certainty.

An example of general statutory law states, in part: Who ever commits such acts as are of a nature to corrupt the public morals, or outrage the sense of public decency, or affect the peace and quiet of persons who may witness them, or engages in brawling or fighting, or engages in such conduct as to constitute a Breach of the Peace or disorderly conduct.

Since there is no clear and concise definition of BOP, many courts apply this test: Was debtors premises entered by creditor or creditors agent and if so, did the debtor or another acting on the debtors behalf refuse to consent to the entry and repossession?

Thus far courts have interpreted the law to be that if the gate is opened by other residents or security personnel, they have allowed/consented to entry.  

Sharon, as you have correctly mentioned whether you rent or own your residence is irrelevant to the case what is relevant however is the actual location of the car and the manner in which it was repossessed. 

It appears you have been asked these questions before but I I do not see a reply.  I will ask them again because they are in fact germane to the case you are attempting to make here.  They are: 

1. the exact location of the car street, carport, garage - and if in a carport do you pay a separate rental fee for the carport 



2. whether you or someone else in the community had asked the repo person to leave the property and if in doing so they created an altercation with or disturbed any of your neighbors. 

 
Sharon, I for one, would greatly appreciate if you would provide answers the questions. You may have a case here but I am unable to agree with you without this very important information.

With regards to any personal property inside of the car, the repo company will be guilty of conversion of Sharon's personal property if they did not provide notice to Sharon within 48 hours on where and how she could recover her personal property and/or if they damaged or lost her personal property.

to see if it is available in the consumer comments section at Ripoff Report #476868. (It was submitted on April 19, 2012.)

Thank You

***NATIONWIDE ALERT FOR ALL VOTERS IN AMERICA: Make sure to stay at this site and type in the following and read the Ripoff Reports for important information-

POLITICIAN
OBAMA
ROMNEY
BUSH
CHENEY
CLINTON
REAGAN
COMMITTEE CHAIRMAN
SPYING ON MUSLIMS
US GOVERNMENT

These dead beat lawyers don't fight these insurance companies to compensate you.  Instead these dead beat lawyers know you only have 2 years to sue the other parties insurance,  yet they take your case & 6 months or more go buy wasting your time.

These dead beat lawyers don't fight these insurance companies to compensate you.  Instead these dead beat lawyers know you only have 2 years to sue the other parties insurance,  yet they take your case & 6 months or more go buy wasting your time.

REPO MAN
(Please sing to the tune of "Yesterday")

Anyone can 'Google' this- FREE MIDI THE BEATLES MIDI FILES, and click on 'Yesterday' and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3, 4....

Repo man
Looks like poo-poo finally hit the fan
Taking cars and trucks and mini-van
Nobody likes the repo man.

Where's her car
Repo man is smoking big cigar
Lots of trash and fast food in her car
The repo man is at the bar.

What's going on, my friend
Are we getting near the end
Repo man is mean
He is just like Charlie Sheen?

Repo man
You are mean and do not have a fan
Taking cars and trucks and mini-van
Your system's clogged, eat Raisin Bran.

Taking cars and trucks
That sure sucks, people are mad
Get a real job you are making good folks sad.

Repo man
Take your shirt off time to get a tan
Lose some weight you're bigger than a van
You're not so nice
You're Repo man
MMMM Repo man.

End.

***VIOLATION ALERT: Make sure to stay at this site and type in- HOME LOANS VIOLATION, and read that Ripoff Report for important information.

Thank You

In spite of all your silly rantings, you are still nothing but a common ordinary deadbeat who did not pay your bills.  Be a real American and accept your responsibility.  You're an embarrassment to honest responsible people.

Incidentally, the car is not yours, they were just trying to get their property back.

You should be ashamed of yourself.

Just pay your d**n bills!

Driving any vehicle, as defined in Section 670 of the Vehicle Code, upon real property belonging to, or lawfully occupied by, another and known not to be open to the general public, without the consent of the owner, the owner's agent, or the person in lawful possession. This subdivision shall not apply to any person described in Section 22350 of the Business and Professions Code who is making a lawful service of process, provided that upon exiting the vehicle, the person proceeds immediately to attempt the service of process, and leaves immediately upon completing the service of process or upon the request of the owner, the owner's agent, or the person in lawful possession.

You gave them consent to enter the property when YOU signed the contract.  Every finance company you go to is going to build in a clause in the contract for them or their agent, in this case the repo man, to enter the private property YOU list on the contract as your legal residence and the place the vehicle will normally be parked when not in use, and take the vehicle.  Just because you apparently either were too stupid to read the contract, or just didn't understand what you were signing, doesn't change the fact that you gave them all the permission they needed to enter the property and secure the vehicle.

The fact of the matter is YOU tried to strong arm the finance company into changing the due date by withholding payments.  YOU defaulted on the contract and the finance company had the legal right to repossess the car.  Every finance company you go to is going to build in a clause in the contract for them or their agent, in this case the repo man, to enter the private property YOU list on the contract as your legal residence and the place the vehicle will normally be parked when not in use, and take the vehicle.  Just because you apparently either were too stupid to read the contract, or just didn't understand what you were signing, doesn't change the fact that you gave them all the permission they needed to enter the property and secure the vehicle.

YES! My car was locked. They broke into it with or without a key and in California, under Penal Code 484 that is Grand Theft Auto

Did you actually see them enter the vehicle?  I actually see no reason for the repo man to have to actually enter the vehicle.  All they have to do is pick the main drive tires off the ground and secure them to the his truck.

You know Jim, the more you talk here the more stupid you prove yourself to be -- and people like you are the cause of people believing repo people can do what they do.

You know, Sharon, the more you talk here, the more you change your story and people like you are cause of people not knowing what to believe.  You want to call me stupid, maybe you should go back to third grade and learn how to use punctuation properly.  You are missing 2 commas in the above statement when you call me stupid.

As for my business with Chase -- you have on a small part of the story and making yourself even more of a stupid bully pro-repo nut by talking out of turn.

We only have what you have decided to disclose and that keeps changing every time you tell the story.  Remember when you said that you got your car back but then turned around and said that they were refusing to return it?  You do realize that, if this ever does actually go to trial, everything you have been asked here will be asked during your testimony.

IF you were to visit his web site you would see what a problem illegal repos are.

I agree that illegal repos are a problem.  The issue is that, from the conflicting information you have disclosed thus far, YOUR repossession was legal.

I have reported this repo guy in my case to the State of California (he already has one citation against him from last month!). I want him to experience a huge fine-- last months was only about $1200. -- AND,  I want him to lose his license as so he can't do this to anyone else.

I hate to break it to you, but he will most likely get the same $1200 fine, if anything.  He might get a suspension, but I doubt it.  All of this will depend on what last month's citation was for and how many prior offenses he has.

NOW, if he straightens out and changes his ways, I will back off... :-) Well, maybe...

That could be misunderstood as an attempt of extortion.

I hope you are making your payments on time now.  So, did Chase change your payment due date, or are you still not paying on the old date?

The more you pick on me and call me names, the more credibility I have in my circle of fellow advocates.

Let's see how that helps you when the judge asks the same questions we have and you start contracting yourself and changing your story.

Oh BTW, suing Chase Auto Finance - we ain't the only ones to do so....

That's nice.  I challenge you to find me a finance company or bank that has NOT been sued before.  This is exactly why they have that lawyer on retainer, because they know they are going to need him anyway.  I hope you can convince a judge that your ever changing story is true.  Good luck with that.

To Jersey_guy_732, are you sure your name's not Sharon?  That sounds like a great ending to this fairy tail.  I can't wait to hear what happens next.

      Just had a long talk with Judd -- he said, "Wow! You sure got those repo guys mad." -- Guess you guys are sending him all kinds of messages about me. LOL.
      IF you were to visit his web site you would see what a problem illegal repos are. But, I don't suppose any of you have done that -- or even researched the problem that  nutty repo guys make in the world...

      I have reported this repo guy in my case to the State of California (he already has one citation against him from last month!). I want him to experience a huge fine -- last months was only about $1200. -- AND,  I want him to lose his license as so he can't do this to anyone else. NOW, if he straightens out and changes his ways, I will back off... :-) Well, maybe...

      I am an advocate for the down-trodden -- particularly the elderly and homeless -- and I fight where I can for them, and will continue to do so...

      The more you pick on me and call me names, the more credibility I have in my circle of fellow advocates. The only time people like you nuts here ever attack anyone is when you know they are right. I am right and you have no answers - you all would be surprised at what we have already won in court against crooks -- like you crazy repo people.

BUT never did I expect such attention from you ol' repo farts... but I like it -- keep it coming...LOL

Oh BTW, suing Chase Auto Finance - we ain't the only ones to do so....

Chase is such a bunch of criminals in everything they touch.

...When the repo man assaulted me, I fell to the ground and hit my head, and died. When I went to Heaven, I met with Saint Peter and he told me "I saw everything that happened, and you were the victim here". I started to cry, since I know that someone finally believed me!. I fell to my knees and continued to sob into my hands. Saint Peter spoke up and said "I must make this right and told me that he was sending me back to earth (actually, the first time I was there since before I filed this report) and I will take the repo man in your place. Just then I heard a loud crack of thunder and I was back in my yard, the repo man was lying dead in front of me. His funeral is on Friday, I plan to go. When Chase heard of this miracle, from a radio station owned by the church, they immediately gave me my vehicle back. I have since purchased many "NO TRESSPASSING" signs in a variety of collors (glow in the dark, too) and placed them around my property and installed a new higher, more secure fence and gate with a larger lock to keep my posessions from being repoed. I don't use the vehicle much now, I lost the key to the gate and can't get it out. But, oh well, but at least I won!! YIPPEE!!

Sorry if I offended anyone....Just having a little fun with this rediculous post!

is available at this website.

Just type in 715432 at this site and it appears in the consumer comments section at Ripoff Report #715432.

Thank You

***NATIONWIDE POLITICIAN ALERT: Make sure to type in the following at this site and read the Ripoff Reports from people all over America for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
CLINTON
REAGAN
PRESIDENTIAL CANDIDATE
COMMITTEE CHAIRMAN
MAYOR
SENATOR
GOVERNOR
US GOVERNMENT
BUFFOON

LOL -- A lot of crooks like repo people think that if a gate is open they can get away with going through it. WRONG!  Penal Code 602(n) is clear: "No one may drive a vehicle onto private property without permission..." An open gate is NOT permission, and can be interpreted in the law as a breach of peace and breaking and entering.

MY contract says: [They] may repossess the vehicle without a breach of the peace and IF the law allows it."  In California Penal Code 601(n) and B&P Code7509.2(g) does not allow for repo on the real private, gated, obviously not public property. There is no contract law in California Law that over-rides those laws and statues.

OFF TASK -- But since you brought it up: IF your uncle has a guest, or I have a guest who is breaching the peace in anyway YES I have a right to demand he leave, and to make a police report about his behavior. Tell your uncle to contraol his guest Jim.

YES! My car was locked. They broke into it with or without a key and in California, under Penal Code 484 that is Grand Theft Auto -- they were on the property without permission and committed a crime.

You know Jim, the more you talk here the more stupid you prove yourself to be -- and people like you are the cause of people believing repo people can do what they do.

As for my business with Chase -- you have on a small part of the story and making yourself even more of a stupid bully pro-repo nut by talking out of turn.

There has not been one person on this forum who has been able to address California Law in an intelligent manner -- ALL including you Jim have a lot of opinions -- why don't you do some honest research so you can talk intelligently on California Law.

See ya all on Judd's at 2:15 p.m.  Wednesday  :-)

Wall Street, we can logically conclude that they also control much of the Legal System in the USA, wouldn't you agree?

Anyone can 'Google' this- WHO OWNS THE FED?, and go to the site with the five charts to see that J.P. Morgan Co is listed in 'Chart 1', right? (J.P. Morgan Co is also known as JPMorgan Chase.)

If you scroll down to 'Chart 3', you will also see that General Motors and Chrysler Corp. are listed, correct? They make cars and trucks. Wasn't your vehicle made by General Motors?

Many of us know that the bankers are in control of the corrupt and diseased system, which includes the U.S. Government and Wall Street, right? Take a look at all of the companies listed in those five charts. Many of them received bail-out money from the taxpayers, including JPMorgan Chase, General Motors, and Chrysler Corp.

The bankers are also in control the mainstream media too! Twentieth Century Fox Corporation is listed in 'Chart 4' and General Electric (NBC) is listed in 'Chart 5'.

Our entire system is corrupt and diseased! It can no longer be denied.

Simply 'Google' this- EX-SALT LAKE MAYOR ROCKY ANDERSON FORMER DEMOCRACY NOW, and watch that video and read the article on the web for proof. Here is a quote from the interview-

QUOTE: "We launched the Justice Party because the entire system is so corrupt. It's so diseased. We know that the public interest is not being served by anyone in the system right now, particularly the two dominant parties who have sustained this corrupt system and who are sustained by it." - Rocky Anderson

*One last thing, make sure to 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that video on the web. Pay close attention to the banker who is pictured at 1 minute 1 second into that video. 

Thank You

WELCOME TO THE BANKING SYSTEM IN AMERICA- ONE BIG LIE 

they are attempting to take some thing away - illegally in the case of private secured propery!

If the gate was already open, then the property wasn't actually secured.

I did not lie about getting my car back.

On 4/6/12, in rebuttal #37, you said:  Well got my car back and two consumer attorneys have contacted me to take my case pro bono.  How are we supposed to take that statement but that you actually had your car back at that time.

I was told by one of their executives that my car was "always on hold from auction while they researched my complaint. "

Don't know why you seem to be complaining about that.  This just means they put a note in your file NOT to send the car to the auction until they finished their research.  If true, this actually worked in your favor.  Though, with you admittingly being late on your payments, they could have sent their car to the auction to recover the money they lost because you decided you didn't have to pay them until they changed your due date.  And, with all the trouble you have caused them, I'm surprised they didn't just send it to the auction any way.

 Instead, CHASE held my car hostage and demanded I pay $440. for the illegal repossion fee.

Kinda like you did when you knowingly parked the car where they couldn't legally get it, then demanded they change you due date and withheld payment until they did.

So, let me ask you this:  Did they end up changing your due date, or are you still not paying on the old due date.

Conversion Law has to do with the pocesser -- NOT the owner, .e.g.,  I am the pocesser of the car and therefore anything done against the car is done against me and I am the same as the owner. If the car is stolen, it is me who is the victim. I am a renter on private secured property it is the same as I am the owner.  If one comes onto this property it is as if I am the owner and I have the right to prosecute them. Sorry, that is the law of conversion.

If what you are saying here is true then this must also be true.  Say, my uncle lives in the same gated community as you.  Now, if you have a guest come over and my uncle doesn't like him and wants him to leave, he has the right to prosecute YOUR guest.  Yeah, didn't think so, but it is pretty much the same thing.

Also the car wasn't stolen, it was repossessed.  Did you know, that it is also legal for them to repossess the off of your property, too?  In fact, they can call you have you take the car to a location of their choosing and repossess it their, too.  You could have actually come out of the grocery store only to find that your car was repossessed while you were inside shopping.  Would you prefer they leave you without a car and a cart full of groceries or leave you without a car at home?

and Grand Theft auto if you break into a locked car, and take it from a secured privated property.

I don't know why they would need to break into a locked car when the finance company has keys to the car.  All they would have to do is hand the keys to the driver of the tow truck.  And, in reality, he wouldn't even need those as he could just pick up the front the front wheels and take it that way.  I've seen them do it before.  How do you think they tow and illegally parked car?

There is no clause in any contract that allows for a repo person to break the law of Penal Code 602(n); Bus & Professionsal Code 7508.2(g);Penal Code 487, or to violate Converson Law, or the California Fair Consumer Law.

Actually, if the statement is there saying they can enter the property to repossess the car, then the laws you cited get over ruled because YOU agree that the way it is said in the contract is the way things will get done.  YOU agreed that they can enter your property to repossess the vehicle when you signed the contract.  The "no trespassing" sign you mentioned in your original post is not valid in this case and does not constitute "secured property."

Be sure and cathch me on Judd's again on Wednesday, 1:15 a.m. -- Sending him a copy of this email.

He's actually going to take your call after YOU lied?  I'm surprised.

ILLEGALL REPOSSESSOINS AND BULLY REPO PEOPLE MUST BE STOPPED!

I do agree that "illegal repossessions" need to be stopped, the problem is, in this case, the repossess was legal.  You may claim that their method may have been a bit shady, but the fact of the matter is YOU were behind on your payments and the reason you were behind has absolutely NO bearing on the case what-so-ever.

I am talking with two pro bono attorneys.

Really?!?  Only two?  I would have thought that by now you have gotten a lot more attorneys on your side.  I mean you have single-handedly brought a big bank to it's knees.  The attorneys should be popping up out of the wood works to take your case.  Just imagine what winning this kind of case would do to their careers.  Every one would want that lawyer to represent them.