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Report: #859687

Complaint Review: CHASE AUTO FINANCE - Tampa Florida

  • Submitted:
  • Updated:
  • Reported By: Sharon — Montclair California United States of America
  • CHASE AUTO FINANCE Tampa, Florida United States of America

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

*Consumer Comment: Jeanski,

*Consumer Comment: These so called experts are what got the country in a financial mess they are dumb as post so is team rebuttal

*Consumer Comment: Karl the idiot

*Consumer Comment: has more sense than southern

*Consumer Comment: Anyone with common sense would know there is no such thing as a $150/mo car payment anymore!

*Consumer Comment: Southern Chemical,

*Consumer Comment: Sharon couldn't afford the car from day one

*Consumer Comment: Look at Sharon's post right after she bought that car!

*Consumer Comment: Sharon Stephens the Fruitcake Lies again

*Consumer Comment: Sharon,

*Consumer Comment: Sharon, I listened to you on fruitcake radio!

*Author of original report: Think I have fulfilled my quota of Dumb People

*Consumer Comment: The bottom line for Sharon...

*Consumer Comment: Sharon

*Consumer Comment: You are a vexatious fool.

*Consumer Comment: I don't have access to fruitcake radio!

*Author of original report: Did YOU enjoy me on the radio today

*Consumer Suggestion: Sharon validated!!!

*Author of original report: LEARN THE LAW!!

*Consumer Comment: This site wasn't made for this purpose to belittle each other or to harass others they slander my name saying here say crap and its nothing but here say if people chose to believe them they're welcome

*Consumer Comment: This site wasn't made for this purpose to belittle each other or to harass others they slander my name saying here say crap and its nothing but here say if people chose to believe them they're welcome

*Consumer Comment: Don't believe you Liar!

*Consumer Suggestion: Blah blah

*Author of original report: Idiots on Ripoff who have no idea of the law :-)

*Consumer Comment: Sharon, you "won" NOTHING!! Get a reality check!

*Author of original report: YEP! Won Against Chase

*Consumer Comment: Stacy is a old bity i don't know why she targets me i have done nothing to the witch i've called her so many names and bullied her poor thing she is the internet bully here

*Consumer Comment: Sharon, all we need is the court case#.

*Author of original report: Chase LOST -- I won!!!

*Consumer Comment: Charles, go take your meds and put your tin foil hat back on.

*Consumer Comment: The fruitcakes are team rebuttal who love to keep this post going and love to deny our basic freedoms and civil rights

*Consumer Comment: Let's be clear as to the definition of "winning"

*Consumer Comment: Susie - Sharon is a fruitcake

*Consumer Comment: Josey

*Consumer Comment: I think the OP is stil lying

*Consumer Comment: Please provide link to case

*Consumer Comment: Team rebutt will never admit when they are wrong

*Consumer Comment: What's this complaint about?

*Author of original report: Chase settled -- took them a while...

*Author of original report: Chase just settled -- THANKS JUDD

*Consumer Comment: Sharon Stephens the liar and deadbeat

*Consumer Comment: ***NATIONWIDE ALERT FOR ALL JP MORGAN CHASE EMPLOYEES: JP MORGAN CHASE HAS TAKEN OUT $11 BILLION IN SECRET LIFE INSURANCE POLICIES ON ITS CURRENT & FORMER EMPLOYEES......

*Consumer Comment: Hearing voices now ?

*Consumer Comment: Listen here i don't have to listen to you or take anyone else abuse

*Consumer Comment: No, Charles...you couldn't be more wrong..

*Consumer Comment: Southern is a jerk and a hypocrite nothing good comes out when you argue with idiots like him and he thinks he is a adult he acts more like a child he is a immature bully

*Consumer Comment: Raven, Who is "south land"???

*Consumer Comment: Wow!!

*General Comment: to all

*Consumer Comment: COULDN'T CARE LESS POEM....

*Consumer Comment: "Raven"...must have been a stripper!

*Consumer Comment: If a drunk driver caused you injuries..

*General Comment: To the both of you

*Consumer Comment: That is the longest running sentence ever

*Consumer Comment: Oh boy

*General Comment: south land chemical

*General Comment: to all

*Consumer Comment: Raven the people on this site thinks its ok to commit perjury you're suppose to let liars get away with ruining other peoples lives

*Consumer Comment: Quoth the Raven....

*Consumer Comment: Raven must be a third grader.

*General Comment: repo man/ and all others

*Consumer Comment: I don't let what creeps on this site bother me there is a reason why people hate these repoe people don't know people situations to why they fell behind just file bankruptcy to keep them of your back

*Consumer Comment: Ha Ha ha

*Consumer Comment: Nope Sharon is STILL wrong

*Consumer Comment: ***GLOBAL ALERT: THE UNITED STATES OF AMERICA IS A COUNTRY WHOSE FOUNDATION IS SOLIDLY BUILT ON LIES, DECEPTION, FRAUD, MANIPULATION, GREED, TRICKERY........

*Consumer Comment: No weapon formed against me shall prosper no matter how big a bank is my enemy will never destroy me god is on my side

*Consumer Comment: YOU gave them that permission

*Consumer Comment: BLAME IT ON A LAWYER....... just type in 269041 at this site and it appears as 'Consumer Comment #3'......

*Author of original report: OH NO! Another so-called lawyer steps forward...

*Consumer Comment: Still waiting for the response from the "lawyer"..

*Consumer Comment: Groan..........

*Consumer Comment: You're nothing but a hypocrite because you said in another report nobody has the right to judge you look what you're doing to me passing judgement

*Consumer Comment: Really, Charles?

*Consumer Comment: Who cares what southern chemical thinks he said in another report people don't have the right to judge here well look what he is doing judging people hypocrite

*Consumer Comment: Southern Chem nails it again

*Consumer Comment: ***DEATH SWEEPS ALERT FOR ALL BANK EMPLOYEES IN THE USA: Make sure to type in 411913 at this site and read.....

*Consumer Comment: A few things the "lawyer" overlooked...

*Consumer Comment: Who does stacy think's she's fooling she starts personally attacking me and intimidate i have never done nothing to her she tries to turn things around on me but i'm not going to take it anymore

*Consumer Comment: Thanks Joe

*Consumer Comment: One more time

*Consumer Comment: The only wackos are people responding and the i haven't done a thing but report the wrongs and injustices and look how abused i get

*Consumer Comment: Pathetic

*Consumer Comment: Sharon is a nasty lying old woman

*Consumer Comment: Yep Jeanski - Sharon is nuts

*Consumer Comment: Stacy nobody here cares what you have to say because you're a mean spirited person who is out to ruin everybody to get what you want i have never done anything to you but you just target innocents

*Consumer Comment: Lawyers suck all they care about is how many lives they can ruin financially they agree to take your case then they leave you hanging causing you more problems

*Consumer Comment: I like the phony lawyer! Sharon will stop at absolutely nothing to "win" the argument!

*Consumer Comment: Response to Sharon

*Consumer Comment: A bit more insight on CA reposession laws

*Consumer Comment: ***GLOBAL ALERT: IT APPEARS THAT SOME EMPLOYEES AT JP MORGAN CHASE CAN BE BLAMED FOR THE MELTDOWN OF THE BANKING SYSTEM........

*Author of original report: Ripoff regulars become even more illogical ....

*Consumer Comment: SECRET SERVICE SONG 3....... just type in 508984 at this site...

*Consumer Comment: Boo h*o

*Consumer Comment: Stacy the loud mouth fruitcake opens her big mouth where it doesn't belong she should mind her own business she is a big blabber abusive mouth who is mean to people who don't deserve it

*Consumer Comment: Great Job!

*Consumer Comment: California Fruitcake

*Consumer Comment: Sharon...

*Consumer Comment: Can't these people ever give it a rest what do they have to gain are their egos really that small they have crossed the line many of times and said things that are unforgiveable

*Consumer Comment: Charls, it's time for your afternoon nap.

*Consumer Comment: People this site will go to great links to protect bad business and corrupt people

*Consumer Comment: HUH ??

*Author of original report: Oh tagurit...

*Consumer Comment: Has anyone really been far even as decided to use even go want to do look more like?

*Consumer Comment: Team ReButt

*Consumer Comment: BRIBERY POEM...

*Consumer Comment: Voice of Reason

*Consumer Comment: No Sharon, you do not know alot about the law..and..

*Consumer Comment: UMM

*Consumer Comment: Ah, now I get it

*Author of original report: What Took You Sooooo Long To Find Me...:-)

*Consumer Comment: SIX BIG BUFFOONS SONG......

*Consumer Comment: Bafoon or nutcase

*Consumer Comment: To Southern Chemical

*Consumer Comment: I'm sorry to have to say I think Sharon is nuts

*Consumer Comment: question

*Consumer Comment: Once again, you are only posting part of the law.

*Consumer Comment: Wow - Senior Power

*Author of original report: Sorry I am not at this address anymore...

*Author of original report: Tag... Sorry wrong photos no longer there.

*Author of original report: From "My Three Cents Worth"...

*Consumer Comment: Hi Sharon

*Consumer Comment: Good job Tag..

*Consumer Comment: UMM

*Consumer Comment: Yo, rich gated condo resident deadbeat Sharon!

*Consumer Comment: Reply to jim martin i'm tired of people thinking i'm some crazy mental person because i chose to expose the wrongs and injustices that have been done to me yet i have to put up being harassed

*Consumer Comment: One final thougth

*Consumer Comment: Found it - actual proof Sharon is a lying deadbeat

*Consumer Comment: To Charls

*Author of original report: I suggest if you want to argue California Law you contact a California Attorney

*Consumer Comment: Yeah, Tagurit, that's what I figured.

*Consumer Comment: charles

*Consumer Comment: Tag

*Consumer Comment: I don't pay attention to the negative comments all people want to do is harass me i would like to know why people target me the most and the meanest to me i don't bother anyone

*Consumer Comment: LAW FIRM POEM...

*Consumer Comment: I don't let what people say get to me i know i haven't lied with the crook people and lawyers i have reported on rip-off report i'm tired of these criminal lawyers saying their for the people

*Consumer Comment: Sharon is SOL on her case

*Consumer Comment: Charls the woman hater - cause he can't get a woman

*Consumer Comment: charles

*Consumer Comment: CHASE SUCKS POEM.......

*Consumer Comment: To Sharon and Anony Moose

*Consumer Comment: Sharon's insistence MAY = MUST - Dictionaries Explode Everywhere

*Consumer Comment: Chrles

*Consumer Comment: Females are pieces of human garbage they are the meanest selfish self centured whitches all they care about is finding some guy to provide them with housing car security the only reason why army guys

*Consumer Comment: Oh really ?

*Consumer Comment: Reply to moose no you're the moron i have a right to be here just like you and you can't take my right away all you're doing slandering me like everyone else does this site is really a bully playgroun

*Consumer Comment: You are full of crap i'm not stalking stacy but i will speak hateful to her just like how she speaks to me don't like it tough i'm tired of people harassing me

*Consumer Comment: Interesting Idea

*Consumer Comment: Back to the fact Sharon is wrong

*Consumer Comment: Maybe it's just my paranoia but.....

*Consumer Comment: Stacy and her hateful abusive blabber mouth

*Consumer Comment: Sharon the DERP needs to learn to shut up

*Consumer Comment: Sharon is a big lying DERP

*Consumer Comment: DERP caused by abuse of meds

*Consumer Comment: The Big DERP - Sharon

*Consumer Comment: I love fairy tales

*Consumer Comment: The power of Sharon's DERP

*Author of original report: What a bunch of old stupid fart repo people

*General Comment: I wanna live next to Sharon....

*Consumer Comment: So why did she buy the car in the first place?

*Consumer Comment: OP is nuts

*Consumer Comment: Sharon you are WRONG

*Consumer Comment: FACT POEM...

*Consumer Comment: Sharon is SOL

*Author of original report: ALL of these looney pro-repo people have opinions - BUT NO FACTS

*Consumer Comment: Not the way it happened...NO CASE!

*Consumer Comment: Not so fast everyone - Sharon may have a case here

*Consumer Comment: Mem just ignore her ranting

*Consumer Suggestion: Too long; didn't read all responses

*Consumer Comment: Sharon is avoiding answering relevant questions least it be exposed she has no case

*Consumer Comment: One final thought

*Consumer Comment: I smell more lies from Sharon! repo man fined? Really?

*Consumer Comment: Sharon - really?

*Consumer Comment: NO rhyme or reason

*Consumer Comment: MARK OF THE BEAST POEM...

*Author of original report: Evil can only exist when people allow for it...

*General Comment: I'm not a repo person...

*Author of original report: "Mem" -- another stupid repo-man statement!

*Consumer Comment: Sharon - this is an interesting case - 2 quick questions

*Consumer Comment: SECRET SERVICE POEM 5..... just type in 476868 at this site...

*Consumer Comment: These businesses and creditors try to get away ruining our lives and don't want to be held accountable or their insurance to compensate you and these dead beat lawyers don't want to help people

*Consumer Comment: These businesses and creditors try to get away ruining our lives and don't want to be held accountable or their insurance to compensate you and these dead beat lawyers don't want to help people

*Consumer Comment: REPO MAN SONG

*Consumer Comment: Just a mere deadbeat

*Consumer Comment: Here's the law YOU cited

*Author of original report: Don't believe in "going to heaven...:-)

*General Comment: Hey Sharon...Here is an ending you can use for your Fairie Tale....

*Consumer Comment: JIM'S SONG 2.........

*Consumer Comment: SHARON, SINCE A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS CONTROL THE U.S. GOVERNMENT AND........

*Author of original report: More stupidity from Jim...

*Consumer Comment: Just a few comments

*Author of original report: This gets more and more obvious that repo people on here don't know the law!

*Consumer Comment: *****URGENT ALERT FOR ALL BANK EMPLOYEES IN THE USA: PLEASE TYPE IN 411913 AT THIS SITE AND READ..........

*General Comment: Yes Sharon Stevens.....Why did you lie??

*Consumer Comment: Kim...she was teaching them a lesson!

*Consumer Comment: why did you not pay them?

*Consumer Comment: COULDN'T CARE LESS POEM....

*Consumer Comment: I love it!!

*Consumer Comment: Mature approach to the truth? LAUGHABLE!

*Consumer Comment: Sharon, Sharon, you are an idiot on a crusade you can't win...

*Consumer Comment: Figured as much

*Consumer Comment: Joseph...Sharon has all "non-issues" in reality

*Consumer Comment: DEATH SWEEPS POEM........ just type in 805418 at this site...

*Consumer Comment: Sometimes

*Consumer Comment: Interesting Case

*Consumer Comment: YOU gave them that permission

*Consumer Comment: Your apparence was very interesting

*Consumer Suggestion: Why are you lying Ms. Stevens?

*Consumer Comment: Again - EXACTLY where was the car parked

*Consumer Comment: Really, when?

*Author of original report: You all are ALL so funny :-)

*Consumer Comment: OK - Let's try this again

*Consumer Comment: You talked to Judd? I don't think so.

*Consumer Comment: Actually Sharon, you DID NOT mention anything about a gated community.

*Consumer Comment: WOW

*Author of original report: WHAT don't you understand??? Certainly not the law..

*Consumer Comment: The section I was telling you about.

*General Comment: Sweetheart.....

*Consumer Comment: Sharon, you still don't get it!

*Author of original report: Repo are known for their lack of intelligence

*Consumer Comment: A new week...

*Consumer Comment: The repo WAS 100% legal, if we go by the OP own statements

*Consumer Comment: A repeat

*Consumer Comment: I Don't Know About Awesome...But

*Consumer Comment: Awesome!

*Author of original report: Chase Attorney JEFFERY HOWARD LEVINE incompedent!

*Consumer Comment: Don't need spellcheck

*Consumer Comment: "Josey", you need to revisit middle school for proper word usage and spelling...

*Consumer Comment: HooRay for Team Rebutt newest Memeber

*Consumer Comment: 'I seen"??

*Consumer Comment: Team Rebutt Advice

*Consumer Comment: SHARON, DID YOU KNOW THAT THERE WAS ONLY ONE PERSON IN THE WORLD WHO WAS......

*Consumer Comment: Proof Positive!

*Consumer Comment: Off topic

*Consumer Comment: SHARON, FEEL FREE TO....

*Consumer Comment: Feelings are hurt.

*Consumer Comment: Rubbish

*Consumer Comment: Yep the OP is a fruitcake - but not the only one

*Consumer Comment: Outlaw is just a pathetic lier

*Consumer Comment: KARL, you are absolutely WRONG regarding Federal Tax

*Consumer Comment: SHARON, DID YOU KNOW THAT THERE ISN'T A LAW.......

*Consumer Comment: Let's take a line by line look at Sharon's recent nonsense post

*Consumer Comment: Any wonder...

*Consumer Comment: And yet..

*Author of original report: What to d if your car is repoed:

*Consumer Comment: EXPOSE CHASE BANK POEM......... just type in 750752 at this site...

*Consumer Comment: team Rebutt must approve reports before posting

*Consumer Comment: Any relation to the Mega Millions lady?

*Consumer Comment: Wow!!

*Consumer Comment: It's kind of scary, I'm the same age as Sharon....

*General Comment: Liar Liar

*Consumer Comment: Only two?

*Consumer Comment: It's getting deeper! I should have worn my boots!!

*Consumer Comment: To Outlaw - get a clue

*Author of original report: Bully Mob Mentality of Repo People HERE!

*Consumer Comment: Too dad-banged bad, Outlaw!

*Consumer Comment: SHARON, SINCE JP MORGAN CHASE IS PART OF THE FEDERAL RESERVE.......

*Consumer Comment: Team Rebutt Says :

*Consumer Comment: Reality check for Sharon. Put up or shut up.

*Consumer Comment: Yo, Sharonaroonie

*Consumer Comment: You can clear this up

*General Comment: Don't forget Senile

*Consumer Comment: I didn't miss it at all Sharon.

*Author of original report: Deaf, Dumb and/or blind?

*Consumer Comment: I have more of an observation than a rebuttal...

*Consumer Comment: Yo, Outlaw!

*General Comment: Wake up Sharon

*Consumer Comment: Team Rebutt must justify every report

*Consumer Comment: Incorrect..

*Consumer Comment: CHASE SUCKS POEM........ just type in 750752 at this site...

*Consumer Comment: So, what you are saying is...

*Consumer Comment: Wow!!

*Author of original report: WHEW! Can these posters read???

*Consumer Comment: This OP is a broken record

*Consumer Comment: Yep...

*Consumer Comment: Fantastic Jim

*Consumer Comment: It Really Doesn't Matter....

*Author of original report: Repo STILL illegal!

*Consumer Comment: Really

*Consumer Comment: You need to re-read your own original post

*General Comment: Building or Secured area...

*Consumer Comment: *****NATIONWIDE ALERT FOR ALL CHASE BANK EMPLOYEES: PLEASE TYPE IN 411913 AT THIS SITE AND READ RIPOFF REPORT #411913 IMMEDIATELY.......

*Author of original report: Repo illegal and on the way to DA for prosecution

*General Comment: I just found this one, LOL!

*Consumer Comment: Digging Deeper

*General Comment: Business and Professions Code 7522

*Consumer Comment: Author is mistaken about the law.

*Consumer Comment: Where is the Video?

*Author of original report: California Law on illegal repossion by Chase

*Consumer Comment: Sorry to tell you but...

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I have been working with Chase Auto Finacing since August 2011 and they have done nothing to help resolve my problem. To start with I wanted my payment date to be on the first of each month when I receive my social security and SSI (I am 71 years old).  It took the two months to get back to me and that put me two months behind -- however I have been paying them on the first of every month -- they call me and I give them a bank number for them to take the money, and they have been accepping my payments.

In March they did not call me and I was quite ill and in the hospital but they told me January 3, they had all my bank information to access my account and I assumed they had done that.

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)

I have called Chase Auto Finance but they refuse to work with me.

This report was posted on Ripoff Report on 03/26/2012 05:21 PM and is a permanent record located here: https://www.ripoffreport.com/reports/chase-auto-finance/tampa-florida-33631/chase-auto-finance-violated-law-repossion-law-of-california-tampa-florida-859687. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
34Author
255Consumer
0Employee/Owner

#289 Consumer Comment

Jeanski,

AUTHOR: Karl - (USA)

POSTED: Sunday, November 04, 2012
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.
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#288 Consumer Comment

These so called experts are what got the country in a financial mess they are dumb as post so is team rebuttal

AUTHOR: Charles - (USA)

POSTED: Friday, November 02, 2012
These so called experts are dumb as post they steal from the legal residents of this country.  Team rebuttal are dumb & stupid.
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#287 Consumer Comment

Karl the idiot

AUTHOR: Jeanski - (USA)

POSTED: Friday, November 02, 2012
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.
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#286 Consumer Comment

has more sense than southern

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Friday, November 02, 2012
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
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#285 Consumer Comment

Anyone with common sense would know there is no such thing as a $150/mo car payment anymore!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Friday, November 02, 2012
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?



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#284 Consumer Comment

Southern Chemical,

AUTHOR: Karl - (USA)

POSTED: Friday, November 02, 2012
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.
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#283 Consumer Comment

Sharon couldn't afford the car from day one

AUTHOR: Tagurit - (USA)

POSTED: Friday, November 02, 2012
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.





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#282 Consumer Comment

Look at Sharon's post right after she bought that car!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Friday, November 02, 2012
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:

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#281 Consumer Comment

Sharon Stephens the Fruitcake Lies again

AUTHOR: Tagurit - (USA)

POSTED: Friday, November 02, 2012
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.
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#280 Consumer Comment

Sharon,

AUTHOR: Karl - (USA)

POSTED: Thursday, November 01, 2012
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.

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#279 Consumer Comment

Sharon, I listened to you on fruitcake radio!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Thursday, November 01, 2012
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!

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#278 Author of original report

Think I have fulfilled my quota of Dumb People

AUTHOR: Sharon - (United States of America)

POSTED: Thursday, November 01, 2012
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
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#277 Consumer Comment

The bottom line for Sharon...

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Thursday, November 01, 2012
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).



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#276 Consumer Comment

Sharon

AUTHOR: Jim - (USA)

POSTED: Wednesday, October 31, 2012
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.
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#275 Consumer Comment

You are a vexatious fool.

AUTHOR: Robert - (USA)

POSTED: Wednesday, October 31, 2012
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.
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#274 Consumer Comment

I don't have access to fruitcake radio!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Wednesday, October 31, 2012
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.

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#273 Author of original report

Did YOU enjoy me on the radio today

AUTHOR: Sharon - (United States of America)

POSTED: Wednesday, October 31, 2012
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 :-)
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#272 Consumer Suggestion

Sharon validated!!!

AUTHOR: Righteous1 - (USA)

POSTED: Wednesday, October 31, 2012
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!
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#271 Author of original report

LEARN THE LAW!!

AUTHOR: Sharon - (United States of America)

POSTED: Wednesday, October 31, 2012
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!!!
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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!.
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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!.
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#268 Consumer Comment

Don't believe you Liar!

AUTHOR: Robert - (USA)

POSTED: Wednesday, October 31, 2012
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!
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#267 Consumer Suggestion

Blah blah

AUTHOR: Righteous1 - (USA)

POSTED: Tuesday, October 30, 2012

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
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#266 Author of original report

Idiots on Ripoff who have no idea of the law :-)

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, October 30, 2012
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.
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#265 Consumer Comment

Sharon, you "won" NOTHING!! Get a reality check!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Tuesday, October 30, 2012
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.

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#264 Author of original report

YEP! Won Against Chase

AUTHOR: Sharon - (United States of America)

POSTED: 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!!!
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#263 Consumer Comment

Stacy is a old bity i don't know why she targets me i have done nothing to the witch i've called her so many names and bullied her poor thing she is the internet bully here

AUTHOR: Charles - (USA)

POSTED: Tuesday, October 30, 2012
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!.
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#262 Consumer Comment

Sharon, all we need is the court case#.

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Monday, October 22, 2012
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.

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#261 Author of original report

Chase LOST -- I won!!!

AUTHOR: Sharon - (United States of America)

POSTED: Monday, October 22, 2012
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!!!

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#260 Consumer Comment

Charles, go take your meds and put your tin foil hat back on.

AUTHOR: Jim Martin - (USA)

POSTED: Sunday, October 21, 2012
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.
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#259 Consumer Comment

The fruitcakes are team rebuttal who love to keep this post going and love to deny our basic freedoms and civil rights

AUTHOR: Charles - (USA)

POSTED: Sunday, October 21, 2012
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.
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#258 Consumer Comment

Let's be clear as to the definition of "winning"

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Sunday, October 21, 2012
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).
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#257 Consumer Comment

Susie - Sharon is a fruitcake

AUTHOR: Tagurit - (USA)

POSTED: Saturday, October 20, 2012
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.
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#256 Consumer Comment

Josey

AUTHOR: Jim - (USA)

POSTED: Saturday, October 20, 2012
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.
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#255 Consumer Comment

I think the OP is stil lying

AUTHOR: Tagurit - (USA)

POSTED: Saturday, October 20, 2012
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.

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#254 Consumer Comment

Please provide link to case

AUTHOR: Susie - (United States of America)

POSTED: Saturday, October 20, 2012
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.

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#253 Consumer Comment

Team rebutt will never admit when they are wrong

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Saturday, October 20, 2012
 Can't win against one mine idiots, they will continue to drag this post even though they lost
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#252 Consumer Comment

What's this complaint about?

AUTHOR: Jim Martin - (USA)

POSTED: Saturday, October 20, 2012
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.
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#251 Author of original report

Chase settled -- took them a while...

AUTHOR: Sharon - (United States of America)

POSTED: Friday, October 19, 2012
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
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#250 Author of original report

Chase just settled -- THANKS JUDD

AUTHOR: Sharon - (United States of America)

POSTED: Friday, October 19, 2012
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!!!
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#249 Consumer Comment

Sharon Stephens the liar and deadbeat

AUTHOR: Tagurit - (USA)

POSTED: Saturday, June 09, 2012
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.
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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!
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#247 Consumer Comment

Hearing voices now ?

AUTHOR: Righteous1 - (USA)

POSTED: Tuesday, May 08, 2012
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 .
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#246 Consumer Comment

Listen here i don't have to listen to you or take anyone else abuse

AUTHOR: Charles - (USA)

POSTED: Tuesday, May 08, 2012
Listen here i don't have to listen or take any ones abuse.  Got it.
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#245 Consumer Comment

No, Charles...you couldn't be more wrong..

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Tuesday, May 08, 2012
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..
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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.
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#243 Consumer Comment

Raven, Who is "south land"???

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Monday, May 07, 2012
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.

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#242 Consumer Comment

Wow!!

AUTHOR: Stacey - (U.S.A.)

POSTED: Sunday, May 06, 2012
Karl wrote a poem inspired by me?? I would rather have my gums scrapped!
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#241 General Comment

to all

AUTHOR: raven - (United States of America)

POSTED: Sunday, May 06, 2012
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.
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#240 Consumer Comment

COULDN'T CARE LESS POEM....

AUTHOR: Karl - (USA)

POSTED: Sunday, May 06, 2012
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.
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#239 Consumer Comment

"Raven"...must have been a stripper!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Sunday, May 06, 2012
"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.
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#238 Consumer Comment

If a drunk driver caused you injuries..

AUTHOR: Ronny g - (USA)

POSTED: Sunday, May 06, 2012
..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?
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#237 General Comment

To the both of you

AUTHOR: raven - (United States of America)

POSTED: Saturday, May 05, 2012
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.
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#236 Consumer Comment

That is the longest running sentence ever

AUTHOR: Stacey - (U.S.A.)

POSTED: Saturday, May 05, 2012
Raven

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

Oh boy

AUTHOR: Tagurit - (USA)

POSTED: Saturday, May 05, 2012
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.
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#234 General Comment

south land chemical

AUTHOR: raven - (United States of America)

POSTED: 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.
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#233 General Comment

to all

AUTHOR: raven - (United States of America)

POSTED: Saturday, May 05, 2012
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.
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#232 Consumer Comment

Raven the people on this site thinks its ok to commit perjury you're suppose to let liars get away with ruining other peoples lives

AUTHOR: Charles - (USA)

POSTED: Saturday, May 05, 2012
You're just suppose to let the liars get away with their crimes.  These repo guys break the laws themselves.
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#231 Consumer Comment

Quoth the Raven....

AUTHOR: Jim Martin - (USA)

POSTED: Saturday, May 05, 2012
the longest run-on in RoR history.
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#230 Consumer Comment

Raven must be a third grader.

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Saturday, May 05, 2012
Raven.

You are an idiot.

You know nothing.

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

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#229 General Comment

repo man/ and all others

AUTHOR: raven - (United States of America)

POSTED: Friday, May 04, 2012
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.
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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.
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#227 Consumer Comment

Ha Ha ha

AUTHOR: Thief in the night - (USA)

POSTED: Friday, May 04, 2012

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

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#226 Consumer Comment

Nope Sharon is STILL wrong

AUTHOR: Anony Moose - (USA)

POSTED: Friday, May 04, 2012
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.


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#225 Consumer Comment

***GLOBAL ALERT: THE UNITED STATES OF AMERICA IS A COUNTRY WHOSE FOUNDATION IS SOLIDLY BUILT ON LIES, DECEPTION, FRAUD, MANIPULATION, GREED, TRICKERY........

AUTHOR: Karl - (USA)

POSTED: Thursday, May 03, 2012
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
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#224 Consumer Comment

No weapon formed against me shall prosper no matter how big a bank is my enemy will never destroy me god is on my side

AUTHOR: Charles - (USA)

POSTED: Thursday, May 03, 2012
My enemy will never destroy me. God is on my side.
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#223 Consumer Comment

YOU gave them that permission

AUTHOR: Jim Martin - (USA)

POSTED: Thursday, May 03, 2012
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.
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#222 Consumer Comment

BLAME IT ON A LAWYER....... just type in 269041 at this site and it appears as 'Consumer Comment #3'......

AUTHOR: Karl - (USA)

POSTED: Thursday, May 03, 2012
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!
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#221 Author of original report

OH NO! Another so-called lawyer steps forward...

AUTHOR: Sharon - (United States of America)

POSTED: Thursday, May 03, 2012
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 

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#220 Consumer Comment

Still waiting for the response from the "lawyer"..

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Thursday, May 03, 2012
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.

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#219 Consumer Comment

Groan..........

AUTHOR: Diogenes - (USA)

POSTED: Wednesday, May 02, 2012
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 !!
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#218 Consumer Comment

You're nothing but a hypocrite because you said in another report nobody has the right to judge you look what you're doing to me passing judgement

AUTHOR: Charles - (USA)

POSTED: Wednesday, May 02, 2012
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.
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#217 Consumer Comment

Really, Charles?

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Saturday, April 28, 2012
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.
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#216 Consumer Comment

Who cares what southern chemical thinks he said in another report people don't have the right to judge here well look what he is doing judging people hypocrite

AUTHOR: Charles - (USA)

POSTED: Friday, April 27, 2012
Southern is nothing but a loud mouth hypocrite.
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#215 Consumer Comment

Southern Chem nails it again

AUTHOR: Tagurit - (USA)

POSTED: Friday, April 27, 2012
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  - - - - - - -
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#214 Consumer Comment

***DEATH SWEEPS ALERT FOR ALL BANK EMPLOYEES IN THE USA: Make sure to type in 411913 at this site and read.....

AUTHOR: Karl - (USA)

POSTED: Friday, April 27, 2012
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

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#213 Consumer Comment

A few things the "lawyer" overlooked...

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Friday, April 27, 2012
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.

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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.  
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#211 Consumer Comment

Thanks Joe

AUTHOR: Tagurit - (USA)

POSTED: Thursday, April 26, 2012
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.
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#210 Consumer Comment

One more time

AUTHOR: Joseph - (USA)

POSTED: Thursday, April 26, 2012
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?
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#209 Consumer Comment

The only wackos are people responding and the i haven't done a thing but report the wrongs and injustices and look how abused i get

AUTHOR: Charles - (USA)

POSTED: Thursday, April 26, 2012
All i have done is report the wrongs & injustices that have been done to me.  And look how abused i have gotten.
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#208 Consumer Comment

Pathetic

AUTHOR: Stacey - (U.S.A.)

POSTED: Thursday, April 26, 2012
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?
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#207 Consumer Comment

Sharon is a nasty lying old woman

AUTHOR: Joseph - (USA)

POSTED: Thursday, April 26, 2012
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.
 
 
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#206 Consumer Comment

Yep Jeanski - Sharon is nuts

AUTHOR: Tagurit - (USA)

POSTED: Thursday, April 26, 2012
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.
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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.
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#204 Consumer Comment

Lawyers suck all they care about is how many lives they can ruin financially they agree to take your case then they leave you hanging causing you more problems

AUTHOR: Charles - (USA)

POSTED: Thursday, April 26, 2012
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".
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#203 Consumer Comment

I like the phony lawyer! Sharon will stop at absolutely nothing to "win" the argument!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Thursday, April 26, 2012
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.

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#202 Consumer Comment

Response to Sharon

AUTHOR: Jeanski - (USA)

POSTED: Thursday, April 26, 2012
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.
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#201 Consumer Comment

A bit more insight on CA reposession laws

AUTHOR: A. Friend - (USA)

POSTED: Thursday, April 26, 2012
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.
 

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#200 Consumer Comment

***GLOBAL ALERT: IT APPEARS THAT SOME EMPLOYEES AT JP MORGAN CHASE CAN BE BLAMED FOR THE MELTDOWN OF THE BANKING SYSTEM........

AUTHOR: Karl - (USA)

POSTED: Thursday, April 26, 2012
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
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#199 Author of original report

Ripoff regulars become even more illogical ....

AUTHOR: Sharon - (United States of America)

POSTED: Thursday, April 26, 2012
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.


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#198 Consumer Comment

SECRET SERVICE SONG 3....... just type in 508984 at this site...

AUTHOR: Karl - (USA)

POSTED: Thursday, April 26, 2012
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.
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#197 Consumer Comment

Boo h*o

AUTHOR: Stacey - (U.S.A.)

POSTED: Wednesday, April 25, 2012
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.
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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.
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#195 Consumer Comment

Great Job!

AUTHOR: Stacey - (U.S.A.)

POSTED: Wednesday, April 25, 2012
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.
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#194 Consumer Comment

California Fruitcake

AUTHOR: Mem - (USA)

POSTED: Wednesday, April 25, 2012
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.
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#193 Consumer Comment

Sharon...

AUTHOR: Jeanski - (USA)

POSTED: Wednesday, April 25, 2012
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.
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#192 Consumer Comment

Can't these people ever give it a rest what do they have to gain are their egos really that small they have crossed the line many of times and said things that are unforgiveable

AUTHOR: Charles - (USA)

POSTED: Wednesday, April 25, 2012
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.

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#191 Consumer Comment

Charls, it's time for your afternoon nap.

AUTHOR: Ken - (USA)

POSTED: Wednesday, April 25, 2012
Have Mommy tuck you in and leave this forum to the adults.

Have a nice nappy-nap.

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#190 Consumer Comment

People this site will go to great links to protect bad business and corrupt people

AUTHOR: Georgia Resident - (USA)

POSTED: Wednesday, April 25, 2012
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.
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#189 Consumer Comment

HUH ??

AUTHOR: Ken - (USA)

POSTED: Wednesday, April 25, 2012
"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
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#188 Author of original report

Oh tagurit...

AUTHOR: Sharon - (United States of America)

POSTED: Wednesday, April 25, 2012
 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.  :-)


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#187 Consumer Comment

Has anyone really been far even as decided to use even go want to do look more like?

AUTHOR: Ashley - (U.S.A.)

POSTED: 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.
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#186 Consumer Comment

Team ReButt

AUTHOR: Tagurit - (USA)

POSTED: Wednesday, April 25, 2012
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.  
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#185 Consumer Comment

BRIBERY POEM...

AUTHOR: Karl - (USA)

POSTED: Tuesday, April 24, 2012
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-

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GM
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#184 Consumer Comment

Voice of Reason

AUTHOR: Tagurit - (USA)

POSTED: Tuesday, April 24, 2012
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.  
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#183 Consumer Comment

No Sharon, you do not know alot about the law..and..

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Tuesday, April 24, 2012
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.

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#182 Consumer Comment

UMM

AUTHOR: Jim Martin - (USA)

POSTED: Tuesday, April 24, 2012
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.
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#181 Author of original report

What Took You Sooooo Long To Find Me...:-)

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, April 24, 2012
     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  :-)
    
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#180 Consumer Comment

Ah, now I get it

AUTHOR: voiceofreason - (United States of America)

POSTED: Tuesday, April 24, 2012
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.
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#179 Consumer Comment

SIX BIG BUFFOONS SONG......

AUTHOR: Karl - (USA)

POSTED: Tuesday, April 24, 2012
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

***NATIONWIDE ALERT: Make sure to stay at this site and type in- BANK, and read the Ripoff Reports from people all over America for important information if you have a bank account or a mortgage in the USA.
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#178 Consumer Comment

Bafoon or nutcase

AUTHOR: Tagurit - (USA)

POSTED: Monday, April 23, 2012
Jim, I'd rather be called a bafoon than be batsh*t crazy.   It's sad really.
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#177 Consumer Comment

To Southern Chemical

AUTHOR: Tagurit - (USA)

POSTED: Monday, April 23, 2012
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.
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#176 Consumer Comment

I'm sorry to have to say I think Sharon is nuts

AUTHOR: Tagurit - (USA)

POSTED: Monday, April 23, 2012
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.
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#175 Consumer Comment

question

AUTHOR: Stacey - (U.S.A.)

POSTED: Monday, April 23, 2012
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.
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#174 Consumer Comment

Once again, you are only posting part of the law.

AUTHOR: Jim Martin - (USA)

POSTED: Monday, April 23, 2012
(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.
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#173 Consumer Comment

Wow - Senior Power

AUTHOR: Jerry Jofesky - (United States of America)

POSTED: Monday, April 23, 2012
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.
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#172 Author of original report

Tag... Sorry wrong photos no longer there.

AUTHOR: Sharon - (United States of America)

POSTED: Monday, April 23, 2012
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

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#171 Author of original report

Sorry I am not at this address anymore...

AUTHOR: Sharon - (United States of America)

POSTED: Monday, April 23, 2012
I have a blog with my address and phone number -- not hiding anything -- but fearful of you and that you  might stalk me...
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#170 Author of original report

From "My Three Cents Worth"...

AUTHOR: Sharon - (United States of America)

POSTED: Monday, April 23, 2012
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  :-)
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#169 Consumer Comment

Hi Sharon

AUTHOR: Leah - (USA)

POSTED: Monday, April 23, 2012
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.
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#168 Consumer Comment

Good job Tag..

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Monday, April 23, 2012
You earned my respect for the diligence you showed here.

Thanks!
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#167 Consumer Comment

UMM

AUTHOR: Jim Martin - (USA)

POSTED: Monday, April 23, 2012
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?
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#166 Consumer Comment

Yo, rich gated condo resident deadbeat Sharon!

AUTHOR: voiceofreason - (United States of America)

POSTED: Monday, April 23, 2012
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.
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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.
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#164 Consumer Comment

One final thougth

AUTHOR: Tagurit - (USA)

POSTED: Monday, April 23, 2012
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.
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#163 Consumer Comment

Found it - actual proof Sharon is a lying deadbeat

AUTHOR: Tagurit - (USA)

POSTED: Monday, April 23, 2012
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.
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#162 Consumer Comment

To Charls

AUTHOR: Jeanski - (USA)

POSTED: Monday, April 23, 2012
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 :-)
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#161 Author of original report

I suggest if you want to argue California Law you contact a California Attorney

AUTHOR: Sharon - (United States of America)

POSTED: Monday, April 23, 2012
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?
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#160 Consumer Comment

Yeah, Tagurit, that's what I figured.

AUTHOR: Jim Martin - (USA)

POSTED: Monday, April 23, 2012
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.
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#159 Consumer Comment

charles

AUTHOR: KIM - (U.S.A.)

POSTED: Monday, April 23, 2012
once again i will ask how do you know that people are saying things about you if you do not read their comments.

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#158 Consumer Comment

Tag

AUTHOR: Stacey - (U.S.A.)

POSTED: Sunday, April 22, 2012
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.
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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.
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#156 Consumer Comment

LAW FIRM POEM...

AUTHOR: Karl - (USA)

POSTED: Sunday, April 22, 2012
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
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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.
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#154 Consumer Comment

Sharon is SOL on her case

AUTHOR: Tagurit - (USA)

POSTED: Sunday, April 22, 2012
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. 
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#153 Consumer Comment

Charls the woman hater - cause he can't get a woman

AUTHOR: Tagurit - (USA)

POSTED: Sunday, April 22, 2012
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.
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#152 Consumer Comment

charles

AUTHOR: KIM - (U.S.A.)

POSTED: Sunday, April 22, 2012
start with your mother
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#151 Consumer Comment

CHASE SUCKS POEM.......

AUTHOR: Karl - (USA)

POSTED: Sunday, April 22, 2012
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.
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#150 Consumer Comment

To Sharon and Anony Moose

AUTHOR: Jeanski - (USA)

POSTED: Sunday, April 22, 2012
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??
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#149 Consumer Comment

Sharon's insistence MAY = MUST - Dictionaries Explode Everywhere

AUTHOR: Tagurit - (USA)

POSTED: Saturday, April 21, 2012
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?
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#148 Consumer Comment

Chrles

AUTHOR: Stacey - (U.S.A.)

POSTED: Saturday, April 21, 2012
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!
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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.
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#146 Consumer Comment

Oh really ?

AUTHOR: Diogenes - (USA)

POSTED: Saturday, April 21, 2012
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.
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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.
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#144 Consumer Comment

You are full of crap i'm not stalking stacy but i will speak hateful to her just like how she speaks to me don't like it tough i'm tired of people harassing me

AUTHOR: Charles - (USA)

POSTED: Saturday, April 21, 2012
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.
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#143 Consumer Comment

Interesting Idea

AUTHOR: Tagurit - (USA)

POSTED: Saturday, April 21, 2012
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. 
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#142 Consumer Comment

Back to the fact Sharon is wrong

AUTHOR: Anony Moose - (USA)

POSTED: Saturday, April 21, 2012
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.
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#141 Consumer Comment

Maybe it's just my paranoia but.....

AUTHOR: Jim Martin - (USA)

POSTED: Saturday, April 21, 2012
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.
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#140 Consumer Comment

Stacy and her hateful abusive blabber mouth

AUTHOR: Charles - (USA)

POSTED: Saturday, April 21, 2012
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.
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#139 Consumer Comment

Sharon the DERP needs to learn to shut up

AUTHOR: Anony Moose - (USA)

POSTED: Saturday, April 21, 2012
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).
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#138 Consumer Comment

Sharon is a big lying DERP

AUTHOR: Joseph - (USA)

POSTED: Saturday, April 21, 2012
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
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#137 Consumer Comment

DERP caused by abuse of meds

AUTHOR: Tagurit - (USA)

POSTED: Saturday, April 21, 2012
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.
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#136 Consumer Comment

The Big DERP - Sharon

AUTHOR: Mem - (USA)

POSTED: Saturday, April 21, 2012
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.
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#135 Consumer Comment

I love fairy tales

AUTHOR: Stacey - (U.S.A.)

POSTED: Friday, April 20, 2012
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?
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#134 Consumer Comment

The power of Sharon's DERP

AUTHOR: Tagurit - (USA)

POSTED: Friday, April 20, 2012
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.
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#133 Author of original report

What a bunch of old stupid fart repo people

AUTHOR: Sharon - (United States of America)

POSTED: Friday, April 20, 2012
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!
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#132 General Comment

I wanna live next to Sharon....

AUTHOR: ShadowBoxer - (United States of America)

POSTED: Friday, April 20, 2012
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?

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#131 Consumer Comment

So why did she buy the car in the first place?

AUTHOR: Tagurit - (USA)

POSTED: Friday, April 20, 2012
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.
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#130 Consumer Comment

OP is nuts

AUTHOR: Joseph - (USA)

POSTED: Friday, April 20, 2012
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.
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#129 Consumer Comment

Sharon you are WRONG

AUTHOR: Mem - (USA)

POSTED: Friday, April 20, 2012
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.
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#128 Consumer Comment

FACT POEM...

AUTHOR: Karl - (USA)

POSTED: Friday, April 20, 2012
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
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#127 Author of original report

ALL of these looney pro-repo people have opinions - BUT NO FACTS

AUTHOR: Sharon - (United States of America)

POSTED: Friday, April 20, 2012
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.
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#126 Consumer Comment

Sharon is SOL

AUTHOR: Mem - (USA)

POSTED: Friday, April 20, 2012
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.
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#125 Consumer Comment

Not the way it happened...NO CASE!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Friday, April 20, 2012
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!

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#124 Consumer Comment

Not so fast everyone - Sharon may have a case here

AUTHOR: Mem - (USA)

POSTED: Friday, April 20, 2012
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.
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#123 Consumer Comment

Mem just ignore her ranting

AUTHOR: Anony Moose - (USA)

POSTED: Thursday, April 19, 2012
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.
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#122 Consumer Suggestion

Too long; didn't read all responses

AUTHOR: Nicole - (United States of America)

POSTED: Thursday, April 19, 2012
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.
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#121 Consumer Comment

Sharon is avoiding answering relevant questions least it be exposed she has no case

AUTHOR: Tagurit - (USA)

POSTED: Thursday, April 19, 2012
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.
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#120 Consumer Comment

One final thought

AUTHOR: Mem - (USA)

POSTED: Thursday, April 19, 2012
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.
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#119 Consumer Comment

I smell more lies from Sharon! repo man fined? Really?

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Thursday, April 19, 2012
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.

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#118 Consumer Comment

Sharon - really?

AUTHOR: Mem - (USA)

POSTED: Thursday, April 19, 2012
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.
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#117 Consumer Comment

NO rhyme or reason

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Thursday, April 19, 2012
 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. 
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#116 Consumer Comment

MARK OF THE BEAST POEM...

AUTHOR: Karl - (USA)

POSTED: Thursday, April 19, 2012
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
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#115 Author of original report

Evil can only exist when people allow for it...

AUTHOR: Sharon - (United States of America)

POSTED: Thursday, April 19, 2012
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!

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#114 General Comment

I'm not a repo person...

AUTHOR: spider - (United States of America)

POSTED: Thursday, April 19, 2012
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.
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#113 Author of original report

"Mem" -- another stupid repo-man statement!

AUTHOR: Sharon - (United States of America)

POSTED: Thursday, April 19, 2012
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!







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#112 Consumer Comment

Sharon - this is an interesting case - 2 quick questions

AUTHOR: Mem - (USA)

POSTED: Thursday, April 19, 2012
"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.

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#111 Consumer Comment

SECRET SERVICE POEM 5..... just type in 476868 at this site...

AUTHOR: Karl - (USA)

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

Thank You

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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.
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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.
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#108 Consumer Comment

REPO MAN SONG

AUTHOR: Karl - (USA)

POSTED: Wednesday, April 18, 2012
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.

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#107 Consumer Comment

Just a mere deadbeat

AUTHOR: Ramjet - (U.S.A.)

POSTED: Wednesday, April 18, 2012
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!
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#106 Consumer Comment

Here's the law YOU cited

AUTHOR: Jim Martin - (USA)

POSTED: Tuesday, April 17, 2012
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.
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#105 Author of original report

Don't believe in "going to heaven...:-)

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, April 17, 2012
      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.
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#104 General Comment

Hey Sharon...Here is an ending you can use for your Fairie Tale....

AUTHOR: Jersey_guy_732 - (U.S.A.)

POSTED: Tuesday, April 17, 2012
...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!
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#103 Consumer Comment

JIM'S SONG 2.........

AUTHOR: Karl - (USA)

POSTED: Tuesday, April 17, 2012
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

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#102 Author of original report

More stupidity from Jim...

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, April 17, 2012
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  :-)

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#101 Consumer Comment

SHARON, SINCE A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS CONTROL THE U.S. GOVERNMENT AND........

AUTHOR: Karl - (USA)

POSTED: Tuesday, April 17, 2012
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 
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#100 Consumer Comment

Just a few comments

AUTHOR: Jim Martin - (USA)

POSTED: Monday, April 16, 2012
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.
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#99 Author of original report

This gets more and more obvious that repo people on here don't know the law!

AUTHOR: Sharon - (United States of America)

POSTED: Monday, April 16, 2012
FIRST: It is obvious that I live on secured private property or I never would have quoted Penal Code 602(n). One of you repo people suggested this is a "minor law"  LOL. 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 pease" and a break in, and Grand Theft auto if you break into a locked car, and take it from a secured privated property. (Penal Code 487.)

SECOND:   Under Panal Code Section 22350 it allows for process servers to deliver court papers. Repo people are NOT Process Servers; they are not deliverying anything they are attempting to take some thing away - illegally in the case of private secured propery! (Penal Code 602(n)

THIRD: 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. (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.)

FOURTH:  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.

FIFTH:
I did not lie about getting my car back. I presumed that if I paid  the late payment my car would be released. Instead, CHASE held my car hostage and demanded I pay $440. for the illegal repossion fee. (My car has now been released to me -- but I will need, and I shall sue them for the return of the illegal fee -- and for much more!.

SIXTH:  NOT ONE PERSON on this forum has been able to quote the truth of the law -- YOU have all lied, and/or just talked like any repo person trying to prove they are right and spouting off opinions. Opinions are not law!  IF you wish to know the law call any attorney in California as ask them the law -- since it seems you all have a problem with reading it for your self.

SEVENTH:  It is very interesting that today, when they released y car. I was told by one of their executives that my car was "always on hold from auction while they researched my complaint. " Funny thing is, I made my complaint on March 27, with all the laws, and police report number -- and the only research they did was to call the repo man for a statement, who quoted them the bogus code of Bus & Pro Code 7500and 7001 and took his word that "that the repo was legal." Those codes have nothing to do with repo on private secured property.

EIGHT: ILLEGALL REPOSSESSOINS AND BULLY REPO PEOPLE MUST BE STOPPED! That is what I have gone to Consumer Affairs, Senator McLeod, and I am talking with two pro bono attorneys.

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

*****URGENT ALERT FOR ALL BANK EMPLOYEES IN THE USA: PLEASE TYPE IN 411913 AT THIS SITE AND READ..........

AUTHOR: Karl - (USA)

POSTED: Sunday, April 15, 2012
Ripoff Report #411913 immediately for important information and spread it around at work, so everyone knows what is going on.

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

JPMorgan Chase has $11 Billion in these policies, according to at least one article. Bank of America and Wells Fargo each have $17 Billion dollars in these policies. That's a total of $45 Billion in secret life insurance policies between those three banks alone.

Try to imagine a pile of cash that contains $1 Million.

Now try to imagine 1,000 piles of cash that each contain $1 Million.

That's $1 Billion.

Now try to imagine 45,000 piles of cash that each contain $1 Million.

That's $45 Billion!

That's the amount of 'secret life insurance policies' that JPMorgan Chase, Bank of America, and Wells Fargo have on their current and former employees, according to information available on the web.

Thank You

***NATIONWIDE BANK ALERT: Make sure to stay at this site and type in- BANK, and read the Ripoff Reports from people all over America for important information if you have a bank account or a mortgage in the USA, and spread it all over the web at sites like Twitter and Facebook.
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#97 General Comment

Yes Sharon Stevens.....Why did you lie??

AUTHOR: lois griffin - (United States of America)

POSTED: Sunday, April 15, 2012
Why in the world did you lie, Sharon?? What else have you lied about, HUH? Goodness. Makes us all wonder. You  certainly avoid other questions we ask you, why don't you answer this one???
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#96 Consumer Comment

Kim...she was teaching them a lesson!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Saturday, April 14, 2012
Kim,

This lady is so batcrap crazy, and a little arrogant, so she thoght she would withhold payment until Chase agreed to her demands of changing her due date..

They blew her off, as they should have, she stopped making payments, and they repo'd THEIR car.

I guess she taught them!

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#95 Consumer Comment

why did you not pay them?

AUTHOR: KIM - (U.S.A.)

POSTED: Saturday, April 14, 2012
Is there a reason that you did not pay them while you waited for the date change, and what happened to the money for the two months you did not pay them?

Did you not get the letters saying you were behind in payments?

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#94 Consumer Comment

COULDN'T CARE LESS POEM....

AUTHOR: Karl - (USA)

POSTED: Saturday, April 14, 2012
is available at this website.

Just type in 839289 at this site and it appears as 'Consumer Comment #150' at Ripoff Report #839289.

Thank You

***NATIONWIDE ALERT: Make sure to stay at this site and type in- HOME LOANS, and read the Ripoff Reports from people all over America for important information if you have a mortgage.

Then type in 481508 at this site and read St. Clair's Ripoff Report for additional information if you have a mortgage in the USA.
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#93 Consumer Comment

I love it!!

AUTHOR: Stacey - (U.S.A.)

POSTED: Friday, April 13, 2012
You guys are just on top of your game!! Great work Trolls! That is the reason I enjoy reading the rebuttals because you guys are right!! Keep up the good work!

Your fellow troll Stacey aka stacy according to Charles

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#92 Consumer Comment

Mature approach to the truth? LAUGHABLE!

AUTHOR: Robert - (USA)

POSTED: Friday, April 13, 2012
I see there is nothing that will help any of you to take a mature approach to the truth even when it is presented..

Truly laughable!  This from a person who through her own postings here and comments broadcasted on the Judd McIlvain radio has proven herself to be a liar!  What is this "mature approach to the truth" you babble about?  Is it pretending to be senile so that you are not held accountable for your LIES?

Tell us Sharon, did you lie on RipOff Report or Judd McIlvain's show, or both?  Take your time dear, we'll wait.

I left an email for Judd on his website so that he hopefully doesn't waste his limited resources attempting to help a LIAR.  There are other HONEST folks who are more deserving of his assistance.

You can leave an email for Judd here:  http://troubleshooterjudd.com/index.php?option=com_contact&view=contact&id=1&Itemid=18

Here's what I wrote to him:

Dear Mr. McIlvain,

I'm writing to you regarding the guest on your 4-11-12 podcast identified as "Sharon Stevens" who discussed the repossession of her 2007 HHR by Chase.

On your show, she claims that Chase has her HHR and wants her to pay $400 to get the vehicle back.

I think you should know that on 4-06-12, she posted on the internet RipOff Report website that she had her car back and infers she didn't pay to have it returned.  You can read her RipOff Report here:
http://www.ripoffreport.com/car-financing/chase-auto-finance/chase-auto-finance-violated-l-20696.htm

On your show, she did not bother to tell you that she was 2 months behind in payments.

You've done a lot of good work in the past but I would not like to see you expending your resources because someone might be attempting to build publicity (with lies) for a civil court case.

Good luck to you Sir.

How's that "mature approach to the truth" working for you Sharon?
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#91 Consumer Comment

Sharon, Sharon, you are an idiot on a crusade you can't win...

AUTHOR: Ken - (USA)

POSTED: Friday, April 13, 2012
You're also pretty much a LIAR !, Here's a copy of your ROR on April 8th...

"Bully Mob Mentality of Repo People HERE!AUTHOR: Sharon - Alta Loma (United States of America)SUBMITTED: Friday, April 06, 2012POSTED: Friday, April 06, 2012

Well got my car back and two consumer attorneys have contacted me to take my case pro bono
-- Sweet! It pays to post here even with getting attacked by the angry repo bullies. (You people are so predictable -- you watch too much television and believe everything you see... very sad.  So, have a good day all of you old repoers -- but keep in mind you have no idea of what you are talking about when it comes to the law. EVERYTHING you have said is bogus"

You said on the 8th, "well got my car back"

Then, live on Judd the "troubleshooter" show April 11th, you said you HAVEN'T got your car back yet.

Did you lie to him or us?

Your a waste of time and a kook without a legitimate cause.

Anyone wanting to listen to your tripe can go to the show on Hour 1 and about 18 min 14 seconds in, listen to your diatribe.
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#90 Consumer Comment

Figured as much

AUTHOR: Joseph - (USA)

POSTED: Friday, April 13, 2012
Hi Southern Chemical:   I figured as much but was hoping she would at least respond to the question of exactly where the car was.   They should still have returned her private property and by law they are required to provide a list of her personal property and notice and how it can be recovered within 48 hours of the repo. 

It seems she is hanging her hat on the clause of entry to a private gated community to be only for process servers not repos but Im not sure I see how this would matter.

Also she references law case law Henderson v. Security  Nat. Bank 72 Cal. App3d 164 (1977).   But from what I can tell this would only be relevant if the repo involved damage to her garage door or gate/fence on her own personal property but she does not mention this anywhere in her original or any follow on posts.  If the gates to the community were damaged or if there was trespass in the eyes of the HOA, then the HOA would be the one that would have to pursue with the repo company, not her.

Given the rest of the laws/codes she references it does not look like there are any big penalties that can be assessed as a result, so Im not sure why a bunch of lawyers would all be panting over taking a pro bono case for what I can at best determine would be a whole whopping $500 max.  But again, Im not a lawyer.

Also she mentions she forwarded documentation to the DA for prosecution but that does not mean the case will be prosecuted.  The  DA must first determine the merits of the case.    So - - - - - - -
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#89 Consumer Comment

Joseph...Sharon has all "non-issues" in reality

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Friday, April 13, 2012


Joseph,



Nothing at all will come of Sharon's complaints as these are all non-issues, and one issue has nothing to do with the other, etc.



The gated community thing means absolutely nothing. I have personally been down that road. The HOA management must file a complaint with the police (not the tenant) and then on the slim chance something is done, it will be a simple trespass ticket which is not criminal. Then, the repo company shows up in court and shows evidence that they had a legitimate purpose to be there, and the ticket gets dismissed. Even if you get a hard nosed judge, it is a minor civil infraction with a minor fine. The tow/repo company then passes this along to Chase for riembursement, and Chase adds it on to Sharon's default.



Concealing collateral is actually a crime and you can be arrested for it. Food for thought. It's called theft by concealment.



Keep in mind that these types of repo's are done hundreds of times a day in CA, and none of them have made the news, and I'm sure no one has been arrested, or jailed, etc.



The bottom line here is that THERE IS A SECURITY CLAUSE in every loan contract that gives the bank the right to repo it's collateral upon default. Period.







>>

I live in a gated community so it will be interesting to see what the outcome of this is.  There are a few things that concern me about this entire post. 



(1) They should have provided for the return of her personal belongings.  They cannot legally hold her personal belongings hostage in return for an auto payment.



(2)  the original poster, Sharon, has yet to identify where exactly the car was when it was repossesed.  This will be important to the ultimate case for a variety of reasons I won't get into at this moment.  I'm not sure why Sharon has not provided this.



Will be continuing to follow this.



>>
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#88 Consumer Comment

DEATH SWEEPS POEM........ just type in 805418 at this site...

AUTHOR: Karl - (USA)

POSTED: Friday, April 13, 2012
and it appears as 'Consumer Comment #36' ar Ripoff Report #805418.

Thank You

***COMMENT ALERT: Make sure to stay at this site and type in- COMMENT LINE, and read that Ripoff Report for important information.
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#87 Consumer Comment

Sometimes

AUTHOR: Robert - (U.S.A.)

POSTED: Friday, April 13, 2012
The delay's in when these updates gets posted gets a little annoying sometimes. So it seems that Robert from Buffalo corrected his mistake before other posts were posted.

But it also brings up what is probably a very key point.  Even if the Repo Agent violated the No Trespassing laws, the Repo itself will stand.  Where the "teeth" of the law are really nothing more than a slap on the wrist.  So she can come here and say "They broke the law..they broke the law", but it doesn't change the fact that she is not going to get the car back unless she "makes good" with Chase..of course with her apparent lie who knows what the real status of her car is.  And as much as she may think that she is going to be some "game changer" any laws that would a company give a car back in these circumstances is probably not going to happen..of course this is CA so who really knows.
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#86 Consumer Comment

Interesting Case

AUTHOR: Joseph - (USA)

POSTED: Friday, April 13, 2012
I live in a gated community so it will be interesting to see what the outcome of this is.  There are a few things that concern me about this entire post. 

(1) They should have provided for the return of her personal belongings.  They cannot legally hold her personal belongings hostage in return for an auto payment.

(2)  the original poster, Sharon, has yet to identify where exactly the car was when it was repossesed.  This will be important to the ultimate case for a variety of reasons I won't get into at this moment.  I'm not sure why Sharon has not provided this.

Will be continuing to follow this.
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#85 Consumer Comment

YOU gave them that permission

AUTHOR: Jim Martin - (USA)

POSTED: Friday, April 13, 2012
 NO ONE may drive a vichle onto this type of property without permission of owner, manager, or person in possession. -- even if the gate is left open!   There is NO CLAUSE in my contract that overrides Penal Code or B&P Code on this. I wentt over this wiith the police, and with Chase.

When YOU signed the contract, you gave them all the permission needed.  All they needed was for some one to open the gate for them.  Check your contract, I guarantee you the clause is there giving them permission.  Want to prove me wrong, photo copy your contract and post it here and I will show you where it says that.  You can even blot out any personal information, though the only thing that should be on that page is your name and phone number.  Yeah, they put it towards the end of the contract.  Or have the police officer who went over the contract with you come here and say so.
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#84 Consumer Comment

Your apparence was very interesting

AUTHOR: Robert - (U.S.A.)

POSTED: Friday, April 13, 2012
First I must correct my namesake from the East Coast.  She was on his show.

http://adrenalineradio.com/podcasts/podcasts

Go to "This Week Show" and she is on the Troubleshooter Show 4-11-2012 First hour.  Make sure you are not listening to Hour 2.  She is actually in the second topic he talks about and in the first 30 minutes or so of the show.

Sharon S, I think your first RipOff is how much you actually agreed to pay for that 2007 HHR.  But beyond that don't think that your appearance added to your credibility. 

First of all on this site Post #37 you stated you got your car back.  Yet on his show you state that they still have the car.  In fact he made a point that said they were requiring you to pay $400 to get it back.  So did you lie here or lie on his show?  Then if we have one lie..how many other lies are there.  I will probably be sending him a link to this report for clarification and some interesting reading.

Although it did clear up one other item that I suspected but since you were not forthcoming only could guess.  It appears you are in a gated HOA community.  Per your words the Repo Agent went through an OPEN gate(they followed someone else in).  Your car was also probably either in a Carport or regular parking space.  Those are also both in the open.  So this is where your claim will probably eventually fail.  They did not "break and enter" into any place and since they do have a security interest in the car, I predict that eventually your claims will go no where and the repo will be determined to be legal.

If not you will now become the hero of all of the deadbeats who fail to make their car payment.  Because all they have to do according to you is put their car in a gated community and it can't be touched.
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#83 Author of original report

You all are ALL so funny :-)

AUTHOR: Sharon - (United States of America)

POSTED: Friday, April 13, 2012
FIRST:  A repo person is NOT a process server. A process server delivers court papers -- they don't repossess cars. This was added to Penal Code 602 (n) to make a way for court papers to be delivered on secured private property. Ask any police officer. rE READ  the Penal code for a clear understanding of what this section means in regards to "secured private, obviously not pulic , property. NO ONE may drive a vichle onto this type of property without permission of owner, manager, or person in possession. -- even if the gate is left open  There is NO CLAUSE in my contract that overrides Penal Code or B&P Code on this. I wentt over this wiith the police, and with Chase.



SECOND: I guess NONE of you can read? The Penal Code is clear and is backed up by Bus & Pro Code

 7508.2(g); Penal Code 487; Conversion Law; Henderson v. Security Nat .Bank, 72 Cal.App.3d 764 (1977); Purkett   v. Key Bamk USA.,2001 WL fo3050 (N.D. Ill. May10,   2001.

THIRD: A note from Judd:  "Great Fax, all the facts are there and all laws and codes that apply.  It appears they owe you damages for the lost use of your vehicle.  I will call  you.  Judd "

Judd McIlvain, Broadcast Journalist.

23448 Bessemer St.

Woodland Hills, Ca. 91367

(818) 887-0207

TroubleshooterJudd.com

Stickam.com and AdviceRadio.com,

KABC, KRLA, KKLA, KTIE, KFSA, KXMX Radio Stations.

Columns in Life After 50 Magazine and The Signal Tribune.

Ya, I was on his show and will be again -- He dislikes these repo-ripoffs as much as me



FOURTH: I realize you all have nothing to do in life but to hang around here and make stupid remarks about things you know nothing about and evidently you are all too lazy to research the truth -- you just want to believe what you believe with no facts. You all seem to have the Jerry Springer red-neck mind-set? There is a "repo man" television version of Springer -- I watched it once (What a fiasco!)  You all would probably really enjoy it. It is about as real as Springer --



What is disappointing is that you all seem to like the illegal behavior of  these rogue repo people and are willing to support it - you have a kinda "mob mentality" 



Those of us who want to see changes in the industry are working to see changes: BIG fines for law breaking, and maybe even some jail time for rouge repo people.



In the mean-time, I see there is nothing that will help any of you to take a mature approach to the truth even when it is presented to  -- you talk over and over in circles saying the same thing -- very sad... you're always talking, never reading the truth or reasearching the law,  and never learning...
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#82 Consumer Suggestion

Why are you lying Ms. Stevens?

AUTHOR: Robert - (USA)

POSTED: Friday, April 13, 2012
I made an Ooops.  The McIlvain show I mentioned in my previous rebuttal was from the previous week, 4-4-12. 

Sharon DID speak with Judd on 4-11-12 and the show is NOW (it wasn't before) available for download here:  http://adrenalineradio.com/podcasts/archives/summary/343-the-troubleshooter-show/15020-the-trouble-shooter-show-h1-04-11-12

Sharon's call about the repossession is the second segment of the show which begins about  18 minutes into the podcast.

Now that I've corrected my grievous error, let's find out why Sharon is LYING!

On 4-6-12, rebuttal # 37, Sharon claims she got her car back!  But wait!  On Judd's show (4-11-12) it's claimed that Chase still has her car (2007 HHR) and her personal property, including a laptop!  She and Judd claim Chase will NOT give her the HHR back until she PAYS $400!

Which is it Sharon?  Did you get your car back on Friday 4-6-12 or did they still have your car when you called Judd's radio show on 4-11-12?  YOU CAN'T have it both ways, so this would appear to prove that you lying!

Additionally, the "no trespassing"  and other "private property" signs are at the entrance/exit to her GATED COMMUNITY.-not her actual residence.  On Judd's show, she and Judd inferred that they sneaked in the exit gate and repoed her car at 1:45 AM.

The video Sharon claims to have is most likely from the HOA and is of the repo folks going through the gateway to her community.  There may even be a video of them leaving with her HHR.

Perhaps someone should call Mr. Levine and make him aware of this RipOff Report and the Judd McIlvain podcast.  Mr Levine can be contacted here:  900 Stewart Ave, Garden City, NY 11530, (516) 745-4564



If the repo folks did indeed go through the exit gate after someone exited as she and Judd infer, the repo probably did violate the law (602n).  The problem for Sharon as she attempts to get her car returned is three fold:

1.  The loan contract for the HHR most likely has the REQUIRED NOTICE that the vehicle can be repossessed if the loan goes into default.  This notice is MANDATED by California business law.

2.  The loan was in default.  Sharon's statements here indicate that she was 2 months behind.  However, on Judd's show she doesn't mention this-she states she was making payments, including late fees, to Chase directly from her bank account.  She admits that there was an indeterminate period of time when she "didn't hear" from Chase. 

3.  Although the repo folks may have violated 602n, this minor violation isn't going to have the repossession reversed.  Chase or their repo agents may get FINED (first offense is a miserly $75) for this procedural infraction, but CHASE STILL OWNS THE HHR and a judge isn't going to reverse that unless the auto loan is PAID OFF.  California DOES allow repoes from gated communities, but the repo agent has to do it properly.  In this case, it appears to me that the repo agent should have arranged for a police escort to have the HOA allow them into the gated community to  effect the repo.
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#81 Consumer Comment

Again - EXACTLY where was the car parked

AUTHOR: Tagurit - (USA)

POSTED: Friday, April 13, 2012
Sharon, several people on this thread have asked you EXACTLY where was your car (driveway, garage, carport, street, etc.).  You have not yet answered that question.  Why?  The answer is 100% critical as to whether or not you have a case.  Until you answer it no one is going to believe you.  So, why not just answer it and shut your critics up?
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#80 Consumer Comment

Really, when?

AUTHOR: Jim Martin - (USA)

POSTED: Friday, April 13, 2012
 From the beginning I have made it clear the repo man entered  gated, secured, private (obviously not public property) and did not get permission to do do.

When?  Please point out the exact statement and the exact rebuttal that says "gated, secured".  I await your response.
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#79 Consumer Comment

OK - Let's try this again

AUTHOR: Anony Moose - (USA)

POSTED: Thursday, April 12, 2012
Here is where were lacking details Sharon and these details are crucial as to whether you have a case or not. 
1.   Sharon did you ask the repossession agent to leave and they refused.  If they refused did they disturb the peace in the process.  Do you have witnesses to this? 
2.   Was a police officer there during the repo?
3.   EXACTLY where was the car (1) in your garage, (2) on your driveway, or (3) on the street?
4.   Did the repo agent break any locks or gates either entering the community
5.   Did the repo agent break any locks on your garage or any fence or gate on your own personal property (not HOA property)?
6.   When you called the police and filed a report did the police show up after the repo or while the repo agent was still there?.
Sharon, without the answer to the above questions there is no way to know definitively if you have a case or not.  If you want to silence the critics on this board the best thing to do is answer these questions, otherwise no one will believe you.  Its very simple really. Theres no need to quote law back to me I know it well what I dont know are the answers to the above questions. 
Answers to these questions are important because if it was on your driveway you may (and I mean MAY) have a case although I cant see it being worth pursuing given the nominal amount you would recover.  If it was on the street and the street is HOA property you have no case as the street is the private property of the HOA and HOA would have to be the one to bring suit.   If the streets and roads "inside" the gate were deeded to the local government by the developer they are considered public streets and anyone is allowed to use them including the repo agent and you have no case.
Here is why the sections of law that you reference states very specifically (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. 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 owners agent, or the person in lawful possession
Sharon I can assure you the section above is very specific in that it does not matter if it was within a gated community or not.  As long as they were professional came in, did the repo, and left. 
Section 22350 above references the repo agent keeping a current certificate of registration of process server so Im assuming Sharon that this is NOT the area of law you are stating the repo agent is in violation of since you have not specifically called this out.
The following section (o) Refusing or failing to leave land, real property, or structures belonging to or lawfully occupied by another and not open to the general public, upon being requested to leave by (1) a peace officer at the request of the owner, the owners agent
The above is interesting and why I ask if (1) you were present during the repo and asked them to leave or if (2) a police officer was present during the actual repo.
Regarding CA Bus & Pro Code 7508.2 (g) that you reference it specifically 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.
Again, the above section again is not relevant unless the car was parked in your driveway or garage.  If on the street again the HOA would be the one that would have to sue and the one who would be due any fines paid.
Regarding case law case law Henderson v. Security  Nat. Bank 72 Cal. App3d 164 (1977).  This is ONLY applicable if the repossession agent broke into your garage or your own fenced personal property/backyard.    That particular case law states specifically [1] Such an entry by force, if made, was of course unlawful. (See Cal. U. Com. Code, 9503; Pen. Code, 418.)
If the community gates and/or locks were damaged then again the HOA is the one that must bring suit.
It is important to understand the repo agent CAN enter a gated community only if they enter the property without a "breach of the peace."  And without breaking and entering (causing physical damage to property).  This is the rule in most states according to the Uniform Commercial Code INCLUDING CALIFORNIA.  This means if the gate is opened by other residents or security personnel, there is no breaking and entering (they have allowed/consented to entry).   The bottom line is if they can gain entry into the gated community without damaging or breaking locks and gates, and the vehicle is in plain view, they can recover the car without a court order
Whether a police report was filed is only material in that it is a recording of events.   If you call the police they are required to take a report whether you are right or not.  Just because they took a report  does not mean you are right. 
Also, regarding the person you spoke with at Chase who made some nonsense comment about some law is also irrelevant and I would not recommend muddying the waters by even bringing it up.  Most of the people that answer the phones at Chase are idiots this has nothing to do with the actual legality of your case you really need to stay on point here.  
The threshold question here is did they trespass on your property or on that of the community (HOA) in which you live.  If the latter only the HOA has the possibility of suing them for trespass.
My second piece of advice to you Sharon is that if you pursue this make darn sure your lawyer is taking it on contingency and you will not be stuck paying any penalties to the other party if you lose.  I say this only because there are unscrupulous lawyers who will take advantage of someone by making them think they have a case so they can charge up a bunch of legal fees.  Just consider all the above facts and before attempting to chase after a lawsuit that may not end up being what you think it is.
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#78 Consumer Comment

You talked to Judd? I don't think so.

AUTHOR: Robert - (USA)

POSTED: Thursday, April 12, 2012
Yep! talked to him yesterday on his broadcast.

If you did, Judd didn't air your talk!  I listened to his broadcast on the internet and he talked about the following:
diploma mills thefts by government workers veteran unemployment food poisoning (sausage and cheese out of date)
living trusts digital doctor.

Judd did mention that a "sharon" from California left him a message on his facebook page and wanted to speak with him.  He did not mention what this "sharon" wished to discussed.  He mentioned this because he was instructing people who wish to propose TOPICS for his show to leave a note on his facebook page.

His entire broadcast is available on the internet.  You can listen to it or download it as a podcast here:  http://adrenalineradio.com/component/content/article/33-trouble-shooter-judd-mcilvain

At no point of his show did he mention repossessions or talk to ANY WOMAN NAMED SHARON.  You're credibility is in the toilette Sharon.
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#77 Consumer Comment

Actually Sharon, you DID NOT mention anything about a gated community.

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Thursday, April 12, 2012
Sharon,

You are absolutely delusional! You never mentioned anything about a gated community, or any community for that matter in your original post. Just one more lie from Sharon.

Furthermore, unless your own individual property was gated and they forced the gate, they broke no laws.You have absolutely no legal standing to enforce the rules of the community as a whole.Because, if you did, someone would be in jail, right??

I cannot believe someone could make it to your age and be so clueless, and so juvenile.You really should just give it up.

You lost.

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#76 Consumer Comment

WOW

AUTHOR: Resty - (United States of America)

POSTED: Thursday, April 12, 2012
As many times as these posters have pointed out the truth, quoted laws et al..........Sharon still doesnt get it.  One of the first indications of someone lying is by supplying WAY TOO MUCH INFO all the while NOT supplying the key piece or pieces to prove / disprove what they claim.  Embellishing anything is seldom ever good....well, except perhaps in a good novel or a cheap grade movie!!

NONE of this had to happen had you paid the car note when it was due as YOU AGREED to when you went to purchase a new vehicle.  YOUR type of people is what makes it hard on those of us who pay our bills on time.  We should all resent your tactics and screams of injustices while claiming fame at the harm of another.  Lying is never a good thing....did your Mother never teach you that?

To the rest of you who've rebutted this clown.............GOOD JOB!!!!! You do the legitimate posters and readers here a great service.  Some of you Ive followed on here for 5 years or more.  KEEP UP THE GOOD WORK!!!!

.......and Sharon.....
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#75 Author of original report

WHAT don't you understand??? Certainly not the law..

AUTHOR: Sharon - (United States of America)

POSTED: Thursday, April 12, 2012
 From the beginning I have made it clear the repo man entered  gated, secured, private (obviously not public property) and did not get permission to do do. (Penal Code 602 (n); CA Bus & Pro Code 7508.2 (g) and case law Henderson v. Security  Nat. Bank 72 Cal. App3d 164 (1977) The police made a criminal police report on the event siteing this California Law.

The repo man tried to tell the police the contract allowed for them to go onto the property. The police officer and me went over the contact with a fine tooth comb -- it says no such thing. In fact the contract says  the repo can only take place IF the law allows for it. The law does not allow for it on private secured property in California.

JUDD McLLVAIN has a whole folder of questionable repossessions. Yep! talked to him yesterday on his broadcast. Will be talking to him again in next few days, and I am lining up two attorneys to talk with him on this problem. They, under the law, are guilty of Conversion Law -- they stole my car. To understand conversion law you need to understand that it applies to anyone who has possession of the car -- Chase may technically own the car, but I had possession and they stole it from me.

Police Report filed under CA Penal Code 602(n) ALL of you people need to know the law before you comment -- you make asses out of yourselves,
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#74 Consumer Comment

The section I was telling you about.

AUTHOR: Jim Martin - (USA)

POSTED: Wednesday, April 11, 2012
Here is the part of the loan I was telling you about.  It is taken word for word from my current loan.  Yours may be worded slightly different, but I GUARANTEE you that your loan has the same thing.

"Actions Upon Default:  If a default, as defined in the Loan Agreement should occur, you have the authority, upon such default, to repossess and sell the collateral in a lawful manner.  In such case, you or authorized representatives may, at your option, enter the premises where the collateral is kept and take possession, subject to applicable laws."

It goes on to say:  "I understand that you have certain rights and legal remedies available to you under the Uniform Commercial Code and other applicable laws."

The part I put in bold is the key phrase that allows them to ignore the "no trespassing" sign YOU mentioned in your original post.

In one of your earlier posts you mentioned that they entered "secured property" but have yet to explain exactly how the property was "secured" at the time.  A simple "no trespassing" sign is not sufficient to call the property secured.  To enter a "secured property," they would have had to either climb a fence, cut or pick a lock, or break a window.  So, since you claim to have video, it should be easy for you to figure out which of these 3 things they did to get to the car.  Oh, and as I've stated before, if the car was behind a locked fence or in a locked garage, all the bank would have had to do is file a law suit against you and get a court order from a judge ordering you to return the vehicle.

I always find it amusing how self righteous old people are.  YOU defaulted on your loan when you withheld payments because they wouldn't change your due date and yet you want everyone to side with you when you complain about them repossessing the car, even though you have neglected to disclose the exact location of the car and how the property was secured.

You're 71 years old, it's time to grow up and take responsibility for YOUR actions.  You didn't make your payment on time, so the finance company exercised their right to repossess the car.  You're lucky to get the car back and I hope you plan on making your payments BEFORE the due date from now on.  After all the trouble you have caused them, they won't hesitate to repossess again the minute you are late.

Just one more quick question:  In your original post you stated the following:  "To start with I wanted my payment date to be on the first of each month when I receive my social security and SSI."  My question is, what would you do if the government agency that issues your social security and SSI decided they wanted to change the date you get your payments from the 1st of the month to something like the 7th?  By your reasoning, whether you agree to it or not, they can just start paying you on the new date or stop paying all together until you agree.

Have a nice day!
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#73 General Comment

Sweetheart.....

AUTHOR: lois griffin - (United States of America)

POSTED: Wednesday, April 11, 2012
Do you, by chance, mean Judd McIlvain's nation radio broadcast about scams and rip offs?? Now who looks stupid? You didn't even get his name right!  LOL!!!

What did you do, look on the internet and find his website and made up a fantasy that he invited you on his show? Just like the fantasy that you got your car back?
 
Yep, uh huh, I will be listening i assure you, and I invite everyone else to as well. Be sure and mention us Sharon-- because we will be listening!!!!!!!!
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#72 Consumer Comment

Sharon, you still don't get it!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Wednesday, April 11, 2012
Sharon, how is your property "secured"?? That is the point you are missing here. Unless you had a locked fence or gate that they opened or broke, they did not break the law.

And, if they did break the law, why has no one been arrested???

FYI...I used to drive a tow truck and did some repo's many years ago, and I can tell you that you are absolutely wrong.

A bank absolutely has the legal right to repo their collateral whenever it is in jeopary, whether that me missed payments, lack of insurance, etc. You better read a little closer into that finance contract. You DID authorize them to enter your property. Guaranteed.

Besides that, the law allows for it.

As previously stated, as long as there was no "breach of peace" such as a display of violence or threats, or the breaking into, or damage of your property, the repo was LEGAL!

100% LEGAL.

Just because you don't like it, doesn't mean it's illegal.

Believe me, you are the only one here not intelligent enough to understand that.

You are simply crazy, and a liar.

>>

AUTHOR: Sharon - Alta Loma (United States of America)SUBMITTED: Wednesday, April 11, 2012POSTED: Wednesday, April 11, 2012

I have read through all of the advise given here -- and read the websites you have sent me too. I have seen very little intelligence in the remarks given. IF most of you knew how to read throughly there would be no problem -- but there is a problem because  you want to stick your own "beliefs" in rather that take the facts of the law for what they are. YES! You all appear to be unintelligent repo people.

1. There is NO clause in the contract that give a repo-dummy the right to enter secured private property without permission.

2. The laws of California regulating repos are few, but they are steady and strong. I have quoted them here several times but none of you have had the intelligence to look and research them -- consequently you continue in your inanane remarks... how very foolish you and stupid you are.

3. YES! we are going to sue them.

4. Chase will need to go back and look at every repo they have done on secured private property in California.

5. YES The Chase Attorney, Jeffery H. Levine is either very lacking in legal research , or just though he could make a decision and hoped no one would notice. WE NOTICED. I wil be on the Judd McLevan radio propgram to day discussing this problem.

Why don't you people go and study some in a law school library before making stupid fools of yourself?

>>
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#71 Author of original report

Repo are known for their lack of intelligence

AUTHOR: Sharon - (United States of America)

POSTED: Wednesday, April 11, 2012
I have read through all of the advise given here -- and read the websites you have sent me too. I have seen very little intelligence in the remarks given. IF most of you knew how to read throughly there would be no problem -- but there is a problem because  you want to stick your own "beliefs" in rather that take the facts of the law for what they are. YES! You all appear to be unintelligent repo people.

1. There is NO clause in the contract that give a repo-dummy the right to enter secured private property without permission.

2. The laws of California regulating repos are few, but they are steady and strong. I have quoted them here several times but none of you have had the intelligence to look and research them -- consequently you continue in your inanane remarks... how very foolish you and stupid you are.

3. YES! we are going to sue them.

4. Chase will need to go back and look at every repo they have done on secured private property in California.

5. YES The Chase Attorney, Jeffery H. Levine is either very lacking in legal research , or just though he could make a decision and hoped no one would notice. WE NOTICED. I wil be on the Judd McLevan radio propgram to day discussing this problem.

Why don't you people go and study some in a law school library before making stupid fools of yourself?

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#70 Consumer Comment

A new week...

AUTHOR: Robert - (U.S.A.)

POSTED: Wednesday, April 11, 2012
and new BS...

I wondered a few days ago what was next from this woman..and now we know.

So now not only does apparently every attorney and executive of Chase agree with this woman, to the point where she has documentation that says they are forwarding her proof to everyone in the company.  There is one rouge attorney from New York who is bucking the entire Chase organization saying that the Repo was legal.  Yep..totally believable.

Also, if you have two attorneys who offered to take up your case "Pro Bono" why are you the one still calling all of these attorneys?  I guess "Pro Bono" in your case also means DIY.

We are still waiting for the EXACT details of the Repo and EXACTLY what you had to do to get your car back.  Not to mention the date we can expect you to be on with the "National Radio Host"

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#69 Consumer Comment

The repo WAS 100% legal, if we go by the OP own statements

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Wednesday, April 11, 2012
This "Sharon" character is just too much. Absolutely crazy.



The short version here is that the repo agent did not in any way breach the peace in performing the repo.



And, this nutjob Sharon, failed to read her contract with the bank for that loan.

I have seen many of these contracts and the wording of that contract gives the bank the right to come on any property where the vehicle is known to be to enforce their security interest in that collateral.



A repo can happen if a loan payment is 1 minute late, legally speaking.



And, yes, they CAN come on your property to do the repo, as long as they do not have to break anything to enter, and as long as they do not do property damage, or breach the peace such as a physical or verbal confrontation.



This is why they come in the middle of the night while you are sleeping.



I'm actually laughing really hard on this, as this arrogant old woman was trying to strongarm Chase into changing the agreed upon payment schedule, and her means of doing so was to with hold payments until they did it.



She lost.

I'm laughing so hard my ribs are hurting!



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#68 Consumer Comment

A repeat

AUTHOR: Ramjet - (U.S.A.)

POSTED: Tuesday, April 10, 2012
So you still have not shared exactly where the car physically was.  A picture with a car in that position would be helpful.

Of course none of this would be happening if you would pay your bills on time.

You are entertaining though.
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#67 Consumer Comment

I Don't Know About Awesome...But

AUTHOR: Jim S - (United States of America)

POSTED: Tuesday, April 10, 2012
I would hardly call their attorney incompetent.  He's not your attorney and your name is not on his paycheck.  I mean you didn't really think you were going to go against a licensed attorney and claim Section 602 without considering all of the possible defenses against a very weakly written section of the California code.  Now is the time to take Chase, and their repossessor company to court - although if you claim you have your car back, what do you plan to sue for??  Lost time??  I'd take a few thousand for your trouble... and go away.  I mean you won't get far against folks like that...  As Josey Wales (or Mr. Wilson, as the folks in Santa Rio know him) would likely put it:

"I reckon Attorneys and Generals (banks) are chiefed by the double-tongue and there can be no peace with pilgrims like that (tobacco spit to the left).  The Comancheros (repossessor) should be decently treated, decently fed, and then decently shot.... or at least given a 'Missouri Boat Ride'.  It's easy to go to war when all you've ever loved have been butchered and killed.  Remember, I ain't tellin' ya nothin' extra ya don't already know.  If done well, we'll sing the only song I know.... 'Rose of Alabamee'....."

Seriously, if you're not willing to fight in court or get a settlement to go away..., it's going to end here.  The State Bar of NY or CA (I suspect the attorney is licensed in both states) is not going to act on an attorney bar status unless there is fraud committed by the attorney, or a serious felony committed.  Incompetence (your own words) is not actionable by the State Bar.  If you don't have your car back, I would seriously consider consulting an attorney (one hour of their time) before you commit yourself to a venture that is shaky at best.  Do not do this on your own.  That would really be the equivalent of a Missouri boat ride.  Best of luck to you....
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#66 Consumer Comment

Awesome!

AUTHOR: Ramjet - (U.S.A.)

POSTED: Tuesday, April 10, 2012
I love it!
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#65 Author of original report

Chase Attorney JEFFERY HOWARD LEVINE incompedent!

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, April 10, 2012
     Chase in trying to cover their own butts send me a letter stating "Repossession was legal." (No law to back up his statement. Soooo I called Chase and asked "What law is he using to make it legal?"  They quopted back, Bus & Pro Code 7500.1 and Bus & Pro Code 7000.

      I laughed right out loud and said "Let me read you those codes - which I did. "Now" I asked her, "What do those codes have to do with repossession on secured obviously not public property.

      I am sorry, your attorney jeffery Howard Levine is quite incompetent, and I am reportting him to the New York Bar Association. And I have!

      When all od this began I sent several emails to Kevin Steart (Auto Finance) at Chase, and Vincent Rivieccio, Janette Barrette, Annmarie Detommaso, and to the Excutive Office email. Everyone siad they were passing on the California law to the Legal Department, along with the police report.

     Now, either they did not, or Attorney Jeffery Howard Levine is just stupid, or incompetent.

     He has been reported to the New York Bar, and Courts.
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#64 Consumer Comment

Don't need spellcheck

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Monday, April 09, 2012
 Don't need spellcheck with Team REBUTT always there to correct. Always on the job Team ReBUTT.
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#63 Consumer Comment

"Josey", you need to revisit middle school for proper word usage and spelling...

AUTHOR: Ken - (USA)

POSTED: Sunday, April 08, 2012
"butt"(sic) I'll bet you won't.
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#62 Consumer Comment

HooRay for Team Rebutt newest Memeber

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Sunday, April 08, 2012
 What to go, attack me and problem is solve. You just prove my point. I hereby voted for you to be Team Rebutt spoke person of the Year, NOT :=(~
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#61 Consumer Comment

'I seen"??

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Sunday, April 08, 2012
Maybe the reason you cannot understand what is going on here, is that you are illiterate.

"I seen"????

Maybe you should go back to the third grade before hammering others.

#60 Consumer CommentTeam Rebutt AdviceAUTHOR: The Outlaw Josey Wales - Golden Meadow (United States of America)SUBMITTED: Sunday, April 08, 2012POSTED: Sunday, April 08, 2012

Only advice I seen is smartass advice, nothing useful


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#60 Consumer Comment

Team Rebutt Advice

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Sunday, April 08, 2012
 Only advice I seen is smartass advice, nothing useful
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#59 Consumer Comment

SHARON, DID YOU KNOW THAT THERE WAS ONLY ONE PERSON IN THE WORLD WHO WAS......

AUTHOR: Karl - (USA)

POSTED: Sunday, April 08, 2012
alerting the American people about the collapse of the U.S. economy and the stock market crash over a year before it happened?

Simply type in 271454 at this site and go to 'Consumer Comment #1' at Ripoff Report #271454 and read the third paragraph of that consumer comment for proof. (It was submitted at this website on September 3, 2007.)

Then type in 269041 at this site and read the last two sentences in 'Consumer Comment #3', entitled "Blame it on a Lawyer" for more proof. (It was submitted at this website on August 21, 2007.)

FACT: Both consumer comments were posted over a year before the collapse of the banking system and the stock market crash. On September 29, 2008, the Dow Jones lost a record 777 points in one full day of trading and the U.S. Government had to charge the taxpayers of America hundreds of billions of dollars in bail-out money (TARP), which was handed over to the big banks and many other Wall Street firms that were collapsing, like General Motors, AIG, Fannie Mae, Freddie Mac, and others.

Feel free to 'Google' this- FRONTLINE: INSIDE THE MELTDOWN, and watch that video on the web in order to see how the system started to collapse (melt down) in the spring of 2008, starting with the demise of Bear Stearns. 

Have a nice day.

WELCOME TO AMERICA- ONE BIG LIE
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#58 Consumer Comment

Proof Positive!

AUTHOR: voiceofreason - (United States of America)

POSTED: Sunday, April 08, 2012
EVEN KARL agrees the repo guy can take the bloody vehicle if it's not behind lock and key. What more can be said?
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#57 Consumer Comment

Off topic

AUTHOR: Jim Martin - (USA)

POSTED: Sunday, April 08, 2012
Any one else notice how much Outlaw keeps wasting space just to tell Team Rebutt to stop wasting space?  Great, now I'm wasting space, too.

At least Team Rebutt starts out posting useful information.
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#56 Consumer Comment

SHARON, FEEL FREE TO....

AUTHOR: Karl - (USA)

POSTED: Sunday, April 08, 2012
ask a tax expert the following question:

*Is there a 'law' that requires an American worker who earns a 'salary' or a 'wage' on his or her 'labor' to pay Federal Income tax?

If the tax expert says 'yes', then ask him or her to provide you with a copy of the 'law'.

Guess what?

There is no such law. 

The reason that there are people in jail over tax issues is because they cheated on their tax returns. You see, there are people, like Wesley Snipes, who own or owned companies, corporations, LLC's, etc., and these companies that are owned by individuals, like Mr. Snipes, made 'profits' or 'gains'. Mr. Snipes obviously signed a tax return for his company and was audited by the IRS, and the tax return must have contained some 'errors'. Once you sign the return, stating that everything is accurate and correct, you are at the mercy of the folks at the IRS.

Remember, a person who paints houses for a living is NOT making 'profits' or 'gains'. A person who cuts people's grass for a living is NOT making 'profits' or 'gains'. A person who cuts people's hair for a living is NOT making 'profits' or 'gains'. A person who cleans people's homes for a living is NOT making 'profits' or 'gains'. These people are earning money as a result of their 'labor'.

There is NO law that requires them to pay Federal Income tax on the money that they earn as a result of their labor. It is completely 'voluntary'. If they want to file a return and pay the IRS taxes, it is up to them. If they do not want to file a return and pay Federal Income tax, that is okay and it is not against the law. 

If Mr. Snipes owned a painting company and had several employees who did all of the work (labor), and he had money left over after he paid all of the employees, the money left over would be considered a 'profit' or a 'gain' because Mr. Snipes wasn't doing any of the physical work, correct? But if Mr. Snipes was doing all of the work himself (labor), then the money he received for his labor would not be taxable. 

Happy Easter!

P.S. A Repo Man CANNOT legally enter your home, garage, or any secure structure that is on your property and seize a vehicle that is behind on payments without your permission. However, the Repo Man CAN come onto the property and seize a vehicle that is behind on payments if it is sitting on open space. (Open space would be considered a driveway, field, lawn, etc., that is part of the property.)
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#55 Consumer Comment

Feelings are hurt.

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Sunday, April 08, 2012
 BooHoo Team Rebutt is calling me names, seems like they can dish it out butt can't take the heat. Oh they made me cry, NOT! :=)
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#54 Consumer Comment

Rubbish

AUTHOR: Stacey - (U.S.A.)

POSTED: Saturday, April 07, 2012
Karl is spewing his worthless garbage again.  If State and Federal Taxes were illegal then my Father would be out of a job but it ISN'T! Has nothing whatsoever to do with this post anyway.

Thanks Tag - she is in the running along with that idiot Secret Service crap pot!! Way to go!
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#53 Consumer Comment

Yep the OP is a fruitcake - but not the only one

AUTHOR: Tagurit - (USA)

POSTED: Saturday, April 07, 2012
Good one Ken, except the OP doesn't beat Chitrita Dumire (aka Chitrita Banannas) aka Ladybug2011 who made a VERY interesting complaint about the US Secret Service in some hokey plan to throw off the Federal Student loan debt collectors from ECMC.  I still think Ms. Dumire still holds first place for fruitcake of the year.  Stacey will remember that particular one.  ;-)
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#52 Consumer Comment

Outlaw is just a pathetic lier

AUTHOR: Tagurit - (USA)

POSTED: Saturday, April 07, 2012
Hey Outlaw - you just lied.  Team "rebutt" as you call folks do let people post.  And there are numerous posts where they provide valuable assistance to others.  Steve has done a lot to help people out with third party debt collectors, Ken and Robert have a good understanding of the law, and Stacey just has a lot of common sense.  On report # 864841, you're trying to smack Stacey and myself for responding.  No where did we bash the OP - if anything we advised him he was dealing with a scammer so he didn't pay them.  I suppose by your reasoning he should pay up and allow himself to get scammed.

If you can't tell the truth or add any value to this forum then why don't you do everyone a favor and go stuff yourself.  Steve is having enough issues cleaning the OP's manure off his nice shiny boots - I'm sure he doesn't need to wade into any more from you or Karl.
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#51 Consumer Comment

KARL, you are absolutely WRONG regarding Federal Tax

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Saturday, April 07, 2012
KARL,

You are obviously drinking from the same FRUITCAKE Kool-Aid that Sharon is drinking from.

Your "advice" and information is FLAWED to say the least.

The law is clear, and VERY enforceable on personal income tax.

Once again, you are absolutely WRONG on this.

(Ask Wesley Snipes).

Federal income tax is payable on ALL personal EARNED income such as wages and salaries in the United States.

You have spouted off with a bunch of inaccurate information, and half-truths.

Labor, is, in fact, subject to Federal Income Tax.

Period.

Step away from the Kool-Aid.

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#50 Consumer Comment

SHARON, DID YOU KNOW THAT THERE ISN'T A LAW.......

AUTHOR: Karl - (USA)

POSTED: Saturday, April 07, 2012
that requires an American, who earns a salary or a wage on his or her labor, to pay Federal Income tax?

Federal Income tax is a tax on 'profits' and 'gains', which are made by companies and corporations. The money that an American earns, as a result of his or her 'labor', is not a profit or a gain because there was an even exchange.

EXAMPLE: If I painted my neighbor's family room and dining room, and my neighbor agreed to pay me $500 for the work, that would be an even exchange, because I would be using my arms, legs, eyes, skills, and time, in order to perform the work. The $500 that my neighbor agreed to pay me for performing the work would not be taxable.

However, if I purchased a lottery ticket for a dollar, and won the $30 Million jackpot, then I would have to pay Federal Income tax on a portion of the winnings because the amount won would be considered a profit or a gain.

If I put a dollar in a slot machine at a casino in Las Vegas, and won $1 Million, I would also have to pay Federal Income tax on the winnings.

If I purchased a two dollar trifecta ticket on a race at the Kentucky Derby, and won a trifecta for $7,500.00, I would have to pay Federal Income tax because that is also a profit or a gain.

It appears that millions upon millions of Americans do not understand how the system really operates in this country, right?

Anyone can 'Google' this- IRS LOSES CHALLENGE TO PROVE TAX LIABILITY, and read the related articles on the web.

Feel free to 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that video on the web for additional information.

It certainly is nice to know that there are some people in this country who understand the laws and the way things really work, wouldn't you agree?

Good luck to you.

***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
SPYING ON MUSLIMS
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#49 Consumer Comment

Let's take a line by line look at Sharon's recent nonsense post

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Saturday, April 07, 2012
>>>

1; Research the repo law for your state.

(*Why not just make your payments?).

2. DO NOT listen to any neandrathal-minded bully repo person -- they will lie and intmadate you, and in some case even physically harm you as has happened here in California.

(*I don't know of any repo people in this forum, as they are almost all regulars here).

3. YOU may need to reeducate even your own police to the law. Here in California the police will not take a report unless you can prove the law has been violated.

(*Nonsense...the police have to take a report from any citizen upon request).

4. Contact a consumer organization.

(*For what???..Like who?? NOBODY CARES).

5 Contect the Better Business Bureau.

(*This is my absolute favorite, and always shows how clueless someone really is!).

6. Contact your Senator for your district.

(*You must think you are very important, Senator doesn't have time or interest in you or your petty crap).

7. MAKE alot of noise about what has happened to you to anyone who will listen. We need it make it known that often what happens in the repo business is illegal and everyone needs to stand up and fight.

(*Simple solution...PAY YOUR BILLS and there will be no repo...guaranteed).


:-)

>>>>>

The bottom line here is that this Sharon person is a FRUITCAKE and needs to be confined to a rubber room.

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#48 Consumer Comment

Any wonder...

AUTHOR: voiceofreason - (United States of America)

POSTED: Saturday, April 07, 2012
...that loonie leftist Californication is an utterly bankrupt state? You're totally okay in California as long as you're a deadbeat who doesn't pay their bills, put forth a militant attitude of entitlement and leech off society.
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#47 Consumer Comment

And yet..

AUTHOR: Robert - (U.S.A.)

POSTED: Saturday, April 07, 2012
The OP still refuses to provide any specific details about her Repo, what she had to do to get the car back, and now (for the first time) has inferred that the repo person physically harmed her.

You really have to wonder what is next from this woman.
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#46 Author of original report

What to d if your car is repoed:

AUTHOR: Sharon - (United States of America)

POSTED: Saturday, April 07, 2012
1; Research the repo law for your state.

2. DO NOT listen to any neandrathal-minded bully repo person -- they will lie and intmadate you, and in some case even physically harm you as has happened here in California.

3. YOU may need to reeducate even your own police to the law. Here in California the police will not take a report unless you can prove the law has been violated.

4. Contact a consumer organization.

5 Contect the Better Business Bureau.

6. Contact your Senator for your district.

7. MAKE alot of noise about what has happened to you to anyone who will listen. We need it make it known that often what happens in the repo business is illegal and everyone needs to stand up and fight.

:-)

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#45 Consumer Comment

EXPOSE CHASE BANK POEM......... just type in 750752 at this site...

AUTHOR: Karl - (USA)

POSTED: Saturday, April 07, 2012
and it appears in the consumer comments section at Ripoff Report #750752.

Thank You

***NATIONWIDE MORTGAGE ALERT: Make sure to type in 481508 at this site and read St. Clair's Ripoff Report for important information if you have a mortgage in the USA.
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#44 Consumer Comment

team Rebutt must approve reports before posting

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Saturday, April 07, 2012
 Making a request that Team Rebutt must approve all reports before they are posted. Will save time and space. Really only on member needs to post as your nonsense are all the same. :=(
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#43 Consumer Comment

Any relation to the Mega Millions lady?

AUTHOR: voiceofreason - (United States of America)

POSTED: Friday, April 06, 2012
This Sharon resembles that nutty lady in Baltimore who claims, then disclaims, claims again, on and on, about winning that Mega Millions lottery last week. I'm sure she did get her car back, but I'll bet she paid all the fees and whatnot to get it. Anyway, if she already got the car on HER terms, what would she need the lawyers for?
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#42 Consumer Comment

Wow!!

AUTHOR: Stacey - (U.S.A.)

POSTED: Friday, April 06, 2012
Ken, Robert, Lois and Tag - we have new jobs!! We are repo experts!  Guess I need to stop studying for my SECOND College Degree and get my pickup ready for repo reality tv!! Easy Money!  Please do tell us the court date, docket number, case number etc so we repo experts can follow this court action on True TV.  Hope it will be worth the wait!
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#41 Consumer Comment

It's kind of scary, I'm the same age as Sharon....

AUTHOR: Ken - (USA)

POSTED: Friday, April 06, 2012
and if I am like her now or become so in the future, I hope my wife just shoots me. This OP takes the prize for one of the most stubborn, lying, stupid posters in a long time.

Do I believe her crap about the car back, the lawyers lining up to sue and a senator going to name a law after her?  
Guess that would have to be a big NO!!

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#40 General Comment

Liar Liar

AUTHOR: lois griffin - (United States of America)

POSTED: Friday, April 06, 2012
What a dimwit!  She must think we are stupid. Got her car back LOL! Btw: What is this "national radio news show" you were talking about.

I Think it finally dawned on her she was wrong, so instead of venting shes delusional enough to think not only she got her car back but criminal charges LOL. Be sure and give us the link
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#39 Consumer Comment

Only two?

AUTHOR: Robert - (U.S.A.)

POSTED: Friday, April 06, 2012
Well got my car back and two consumer attorneys have contacted me to take my case pro bono
- You only had two attorney's willing to take your case.  I thought they would have been lined up down the street.  Well I am sure you will want to do everything you can to prove us wrong. So....

When you file suit be sure to post the docket and court information so that anyone who wants to can follow it.  Unlike this mysterious video tape that is public information so you are not putting out anything more than would be out there anyways.

When your national radio host has you on the air be sure to tell us so we can all listen to you tell your story and how you were victorious over the evil bank and repo company.

When the Repo guy is arrested be sure to post his name as his arrest record would also be public record.

When your State Senator presents your bill to the State Legislature let us know. 

When the newspaper or TV station comes to interview you about how you caused Chase to suspend all of it's Repo's so that they can make sure they are doing them "right" please let us know where to find the story.

By the way one more thing to think about.  The biggest question that you have been very sketchy on is EXACTLY where your car was, and what were the EXACT circumstances of the Repo.  Until your 3rd or 4th post we didn't even know you had talked to the Repo guy.  As was stated several times depending on those answers it may very well have been an illegal Repo.  But with "beating around the bush" over and over you got the responses you did.   So as a suggestion for all of your future public appearance...drop the attitude.  You may find people may actually want to help you.

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#38 Consumer Comment

It's getting deeper! I should have worn my boots!!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Friday, April 06, 2012
I just love that "I have to be right" mentality. Sharon....you are so full of crap!Once they repo a car, IT IS GONE!!You don't get it back unless you satisfy all back money due, and pay for the tow and storage.You are such a liar.

Scan in ant post the release documents here, and/or post a time/dated pic of you behind the wheel, and make sure the car you show us matches the info on the release documents.However, I know you won't do this as you didn't get the car back.

Hey...what about those "criminal charges"?? You did say the DA was prosecuting, so that means FELONIES, right?
Post that docket info here, as previously requested.

You are flat out crazy, and can't even keep your lies straight.

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#37 Author of original report

Bully Mob Mentality of Repo People HERE!

AUTHOR: Sharon - (United States of America)

POSTED: Friday, April 06, 2012
Well got my car back and two consumer attorneys have contacted me to take my case pro bono -- Sweet! It pays to post here even with getting attacked by the angry repo bullies. (You people are so predictable -- you watch too much television and believe everything you see... very sad.  So, have a good day all of you old repoers -- but keep in mind you have no idea of what you are talking about when it comes to the law. EVERYTHING you have said is bogus --
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#36 Consumer Comment

To Outlaw - get a clue

AUTHOR: Tagurit - (USA)

POSTED: Friday, April 06, 2012
Oh wow and here I thought ripoff reports was to report "legitimate" complaints against a company.  From the history I've seen, Robert, Stacey, and Steve are quick to help those who have legitimate compliants and just as quick to correct those who don't.  The original poster did not have a legitmate complaint - period.  
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#35 Consumer Comment

Too dad-banged bad, Outlaw!

AUTHOR: voiceofreason - (United States of America)

POSTED: Friday, April 06, 2012
Someone wants to vent? More power to them. And when someone else feel the OP is venting without partial/total justification, then the OP has to suffer seeing comments made contrary to their post.

Anyone doesn't cotton to that? TOUGH!
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#34 Consumer Comment

SHARON, SINCE JP MORGAN CHASE IS PART OF THE FEDERAL RESERVE.......

AUTHOR: Karl - (USA)

POSTED: Friday, April 06, 2012
and JPMorgan has $11 Billion in 'secret life insurance policies' on its current and former employees, according to information that is available on the web, we can logically conclude that some of the top executives at the Federal Reserve and some of the top executives at JPMorgan Chase are most likely receiving some of the death benefits money from those secret life insurance policies when employees at JPMorgan Chase die, wouldn't you agree?

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

Then 'Google' this- WHO OWNS THE FED?, and go to the site with the five charts to see that JP Morgan Co is listed in 'Chart 1'.

Finally, feel free to 'Google' this- JPMORGAN'S DIMON GETS $23 MILLION FOR 2011, and read the related articles on the web.

Have a nice weekend.

***NATIONWIDE BANK 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 a bank account or a mortgage-

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CHASE
CITIBANK
FIFTH THIRD
JP MORGAN
US BANK
WELLS FARGO
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#33 Consumer Comment

Team Rebutt Says :

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Friday, April 06, 2012
According to Team Rebutt no one should post any reports. No one asks for advice, all the posters wants is to vent their problems without having to fight Team Rebutt and any companies or persons they defend.
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#32 Consumer Comment

Reality check for Sharon. Put up or shut up.

AUTHOR: Southern Chemical and Equipment LLC - (USA)

POSTED: Friday, April 06, 2012
OK, Sharon, it's "put up or shut up" time.

Be sure to post the record of arrest of all people involved here as you stated the case was "going to the DA for prosecution". If this truly happened, the arrest record is public record. BE SURE TO POST THAT ARREST INFO HERE, as well as the docket number for the "criminal case".

No more nonsense, JUST DO IT. (Or go away).

And, lets be clear...just the act of the local police taking your complaint, doesn't mean there was a crime. They are obligated to make a report from any citizen. Doesn't make you right, and doesn't mean anyone broke the law.

Here is the fact you overlooked. When you signed that loan agreement, you gave them permission to enter your property in the event of default. Read every word of your contract. Pay particular attention to the "security interest" and "default" sections.

The bottom line is that you failed to pay as agreed and they legally did a repo, as per your contract.

Get over it.

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#31 Consumer Comment

Yo, Sharonaroonie

AUTHOR: voiceofreason - (United States of America)

POSTED: Thursday, April 05, 2012
For all this high powered army you have on your side, including Chase, DO YOU HAVE YOUR @#$%^&* VEHICLE BACK YET?

I didn't think so.

Bah humbug!
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#30 Consumer Comment

You can clear this up

AUTHOR: Ramjet - (U.S.A.)

POSTED: Thursday, April 05, 2012
You have yet to describe exactly where your car was.

1.  Was it in a locked garage?
2.  Was it behind a locked gate?
3.  Was it in an open driveway?
4.  Was it in your yard?
5.  Was it on the street?

Maybe you could post a picture of another car in the exact same position.

Where was it?  That's a VERY simple question that should clear up all these misunderstandings.

Regardless of the legality of the actual physical repossession, you were behind on your payments and they wanted their money or their car.  That's also pretty simple.

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#29 General Comment

Don't forget Senile

AUTHOR: lois griffin - (United States of America)

POSTED: Thursday, April 05, 2012
  She must be, because everything we have told her has gone completely over her head. Now the News stations on in on this? Wow! Whats next, the FBI? LOL! You are delusional, honey. Kiss your car goodbye, kiss your credit goodbye.  Nobody cares. :-)
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#28 Consumer Comment

I didn't miss it at all Sharon.

AUTHOR: Robert - (USA)

POSTED: Thursday, April 05, 2012
In my very first post I quoted directly from the Penal Code lsw as to the illegal entry on "secured private property that was obviously not public property..."

In rebuttal #4 I posted 2 governmental website links that are placed by the California government.

The first is a Consumer Handbook for Vehicle Repossessions that is published by the California Department of Consumer Affairs, Bureau of Security and Investigative Services.  This is the same agency that licenses and regulates TOW COMPANIES.  The handbook makes it clear that they can repo the vehicle provided that they do not enter any buildings or go into a fenced or secured area to effect the repo.  It is clear to me that you didn't bother to read this handbook.

The second link I posted was on the Sacramento County Law Library which included active links to the exact CITES of law for the information presented in the article about repossession.  It's equally clear you didn't read this article either.

The POLICE are not JUDGES-they do not determine if the repo was illegal-A JUDGE DOES.

Additionally, if this matter gets adjudicated and a judge determines that the repo laws were violated, the repo will still stand-you will not get the car back.  Also, the laws are specific in that a violation is punishable by a petty $500 fine-a small price to pay to repossess a vehicle that is probably worth several thousand dollars.

Read your loan contract.  California business law requires a DISCLAIMER in the vehicle loan contract wherein you GRANT PERMISSION for the lender to repossess the vehicle if the loan goes into default.  If you had READ the 2 webpages I listed in rebuttal #4, you would NOW KNOW THIS is true.

I think you should be more careful before you state others are "deaf, dumb and blind" because so far, the only person here who appears to be "deaf, dumb and blind" IS YOU.



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#27 Author of original report

Deaf, Dumb and/or blind?

AUTHOR: Sharon - (United States of America)

POSTED: Thursday, April 05, 2012
In my very first post I quoted directly from the Penal Code lsw as to the illegal entry on "secured private property that was obviously not public property..." Yet you all missed it -- why, because you want to -- for some reason you would rather put me down, in some case call me derogatory names and defent a "repo man" -- WOW!  I am amazed at the mind set of all you people. NO the police are not "laughing at me!"  In fact the Captain called me to thank me for researching the law -- the police are sick over some of the illegal repos they must handle.  AND in California the police DO NOT take police reports unless they have laws to back it up.  Repo people are NOT process servers!  So if you people want ro remail deaf, dumb and/or blind you can count yourselves as "those contributing to the problems rather than to a solution."  I have contacted the Senator for my district t oget this before the State Legislature -- I want it to go out to every police station, every car dealership , and every finance company that they may not break the law to repo a car. Chase called me last night, as did the yow company - both wanted me to know how "VERY serious of a case this is"  Yes, after a police report is made it goes to the DA. I am in touch with a reporter who has a nation wide radio program that deals with corruption and we will begin to work on a program next week on this problem.  I can only say you are not a group of people I would ever chose to even have a conversation with -- considering your mindset and refusal to deal with the facts. YOU ALL are represenative of never coming to an understanding of the truth of a matter.
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#26 Consumer Comment

I have more of an observation than a rebuttal...

AUTHOR: Ken - (USA)

POSTED: Thursday, April 05, 2012
"To start with I wanted my payment date to be on the first of each month when I receive my social security and SSI."

I'm also on social security and receive payment the 4th Wed. of the month.

I have bills due from the first of the month to the 24th of the month.

I haven't found it necessary to change the due dates on them, as i KNOW when they are due and just make sure NOT to spend that committed money on other things...It's really not that hard.

You MIGHT consider it, but I doubt you will, you seem pretty much an obstinate person.

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#25 Consumer Comment

Yo, Outlaw!

AUTHOR: voiceofreason - (United States of America)

POSTED: Thursday, April 05, 2012
And nowhere does it say we can't post our opinions. And nobody posting their opinion is looking for justification from you.

Readers of posts that appear to be falling short of their claims are entitled to see a counter viewpoint offered.

This OP believes the repo people violated the law, a law that she quotes, in our opinions, to HER detriment. As many of us pointed out, that law specifies only SECURED area are forbidden to repo people, and nowhere in her posts has she indicated her vehicle was behind a locked fence and gate, therefore, it was not secured, unless she's chosen to keep that info from us, in which case the response she's gotten is deserved.

Please point out where anything we told her you disagree with.
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#24 General Comment

Wake up Sharon

AUTHOR: lois griffin - (United States of America)

POSTED: Thursday, April 05, 2012
The cops took the report to shut you up. Probably laughed at you afterwards. "Some old lady got her car towed now is pissed about it. HA!"

Robert is 100% correct. The cops taking the report is no indication whatsoever that the Repo people did anything wrong. I could make a report saying President Obama slashed my car tires and the cops would take the report, doesn't mean there is an proof he did it.

Face it, you car was Repoed. And it was ALL your fault, and now you are coming up with stupid excuses because you have a "how dare they do this to ME"  attitude.

You are lucky any place would loan an old fart like you money to get a car in the first place, so count your blessings.
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#23 Consumer Comment

Team Rebutt must justify every report

AUTHOR: The Outlaw Josey Wales - (United States of America)

POSTED: Thursday, April 05, 2012
 Team Rebutt will not let people post no matter what. Why must they criticize every report?? Still looking in the fine print where it states that every report will be giving an inspection by Team Rebutt. It does not matter if every I is not dotted or every T is not crossed, just let people post in peace. Post are not asking for review of their grammar or justification of their reports. Always the same comments from the same know it all. Yep I picking a fight!!!!:<)~
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#22 Consumer Comment

Incorrect..

AUTHOR: Robert - (U.S.A.)

POSTED: Thursday, April 05, 2012
If I did not meet the criteria of the law, the police never would have taken the report.
- Wrong...you called the police and they made a report based on what you told them.  That does not make it a fact that anything was done illegally.  If just the making a police report was enough to prove guilt why are there courts?

yet you know nothing of what my comunication with Chase has been and where we are in this process.
- Because you haven't posted anything.  But what communication should there be?  If it was an illegal Repo and they know it one would think that they would be bending over backward to get the car back to you.  Yet about a week later you are still in a "process"?  Seems that Chase may not agree with you either.

They do know that the are responsible for what their vendor, the repo guy did and several of us are working on getting his license removed, suitable fines being held against him, and posibe prosecution.
- Just a couple of days ago it was already on it's way to the DA for prosecution.  Now it is "possible" prosecution. 
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#21 Consumer Comment

CHASE SUCKS POEM........ just type in 750752 at this site...

AUTHOR: Karl - (USA)

POSTED: Thursday, April 05, 2012
and it appears in the consumer comments section at Ripoff Report #750752.

Thank You

***NATIONWIDE ALERT FOR ALL BANK EMPLOYEES: Please type in 411913 at this site and read Ripoff Report #411913 for important information regarding the 'secret life insurance policies' that many of the banks have taken out on their current and former employees, and then spread it all over the web at sites like Twitter and Facebook.
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#20 Consumer Comment

So, what you are saying is...

AUTHOR: Jim Martin - (USA)

POSTED: Thursday, April 05, 2012
What you are saying is that if someone where buying a car from you and decided that they didn't want to pay on it anymore, all they would have to do is put up a no trespassing sign and there would be nothing you could do about.  I think that would make you really upset and you would not sell another car on payments again.

Yes, there are laws that regulate exactly how your car can be legally repossessed, but from the information you have provided, the repo man followed those laws.

Now, just how many people do you think Chase Auto Financing has given loans to just in the short time since you signed your paperwork.  Do you really think they feel any obligation to anyone to change a payment due date just because that is when you receive your check.  Your 71 years-old, the world doesn't revolve around you just because you are on disability, grow-up.

The fact of the matter is: Chase Auto Financing owns that car until you pay it off.  Legally, they could have sent someone to repossess it the first time you were 1 day late with your payment.  You admitted to being 2 months late, but only because they wouldn't change the due date that you agreed to when you signed the loan agreement.  I bet that if you actually read it, the agreement probably does tell you exactly why and how your car can be repossessed, and it probably does give permission for the repo man to ignore that no trespassing you mentioned in your original post.

California Penal Code Section 602(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 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.

The part I put in italics is the part of the penal code you cited as the reason the repossession was illegal.  The part I put in bold letters actually makes it legal.  This states that the code you cited does NOT apply to "any person who is making a lawful service of process."  The process being serviced is the repossession of your car that you made lawful when you made the decision not to make your car payments on time just because it was inconvenient for you to pay on the date you agreed to.  All this because you wanted the payment due on the same day you receive your SSI and social security, not very bright.

Now, I'm gonna sound like a broken record.  If you want the payments due on a particular day of the month, all you have to do is get the papers dated on the day you want the payments to be due.  It's very easy.  I did it by going to the lot and obtaining to loan on that day.  Perfectly legal, just ask your DA friend.  This is how I was able to get my payments due on the last day of each month.  It works for some other bills too.  For example, I wanted my insurance to be due on the 15th, so when I purchased through my current provider, all I had to do was set the policy start date for the 15th and it was done.
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#19 Consumer Comment

Wow!!

AUTHOR: Stacey - (U.S.A.)

POSTED: Wednesday, April 04, 2012
Seems that you, Sharon, have yet to grasp knowledge of paragraphs.  When you post a report you are subject to rebuttals so name calling and insulting others intelligence only makes your report more believable.

You signed a contract and you failed to adhere to said contract.  Who gives a flying F if you had NO TRESPASSING signs or not! You are in the wrong and btw good luck with that file with the DA. 
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#18 Author of original report

WHEW! Can these posters read???

AUTHOR: Sharon - (United States of America)

POSTED: Wednesday, April 04, 2012
Lets see: I posted a quote from Penal Code regarding repossession and how they are illegal -- and then went on to talk about Ca Business and Professions Code that deals directly with repossession law -- the police took the report based on the violations of these laws, a video camera, the perjury of the repo people -- yet I have seen no one answer these laws on here. If I did not meet the criteria of the law, the police never would have taken the report. I KNOW, for some reason you all want you r comments to be valid BUT they are not. You sure do like calling me names -- like "dead beat" yet you know nothing of what my comunication with Chase has been and where we are in this process.  They do know that the are responsible for what their vendor, the repo guy did and several of us are working on getting his license removed, suitable fines being held against him, and posibe prosecution.  THESE REPO PEOPLE ARE OUT OF CONTROL IN BREAKING THE LAW and in their lies to convince people thery have the right to break the law. I BELIEVE ALL WHO HAVE ANSWERED MY POST ARE EITHER REPO PEOPLE, OR HAVE BEEN LIED TO ABOUT REPO LAWS. Sorry all of you are wrong and it seems you are all as arrogant as the repo people you are trying to defend. What a shameful group!
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#17 Consumer Comment

This OP is a broken record

AUTHOR: voiceofreason - (United States of America)

POSTED: Wednesday, April 04, 2012
Yo, Sharon baby! Unless the gate (which you never mentioned in the original report) was LOCKED, then your vehicle was NOT in a secured area.
Secured means LOCKED UP! And I'm sure in the end, the repo guys will NOT be locked up for taking your UNSECURED vehicle to pay back the secured loan you defaulted on, you DEADBEAT!
And an arrogant deadbeat to boot!
Your on trespassing sign is the most irrelevant part of this whole nonsense. The only thing that matters is whether access to the vehicle was through a locked, or unlocked, egress.
Pay your danged bills from now on, you ripoff!
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#16 Consumer Comment

Yep...

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, April 03, 2012
Jim pretty much nailed the reason why the regular Trespassing laws do not apply, so while anything is possible the chances that this will get much farther is very slim.  Instead I suspect that the OP will either just stop posting or post things that are actually impossible to happen making it very easy to realize that they are just trying to make their story better.

But I just have a couple of remaining questions for the OP.

It seems that you are prime for a news story, so why are you not on the news?  Because here you are a 71 Year old woman on SSI who caught on video tape someone repossessing their car illegally.  You have the repo guy counting the days until he is arrested.  You also basically brought Chase to it's knees where they can't even continue with Repossessions.  You've got some other laws going to "legislation".  All of this because of one reason, you figured out something that no one has been smart enough to figure out.  That a simple trespassing sign is a legal way to stop a repossession.  Heck, even on a busy news day your story would warrant at least a 30 second blip.

Also, where is your car now?
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#15 Consumer Comment

Fantastic Jim

AUTHOR: Stacey - (U.S.A.)

POSTED: Tuesday, April 03, 2012
The bottom line is the OP did not pay said car payment regardless of her situation therefore the Bank had every right to repo said vehicle regardless of No Trespassing signs.  End of story and NO - I can assure the OP that no one who responds to y0ur post is in the Repo Business.

YOU are responsible for your own actions and you can post all the BS said laws you want.  YOU do not own said vehicle - the BANK does and can/will reposses if they chose to do so.
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#14 Consumer Comment

It Really Doesn't Matter....

AUTHOR: Jim S - (United States of America)

POSTED: Tuesday, April 03, 2012
For starters, the car belongs to Chase Finance; they are the owner of the car.  Until you pay the loan off, the car really is theirs.  The other, and more important situation, is that whoever you're going to, is not going to act on this, even if you can provide proof of a crime.  The reason is the DA offices in CA are overly burdened with conversion cases and aren't even taking cases unless they involve several thousand dollars of converted assets.  I would expect Chase to argue that it was in fact, YOU... who converted their merchandise.

The problem with application of CA Section 602 is whether you can claim the property as yours; I mean they're going to have title to the vehicle.  Further, if you are in a default situation (which you admit you are), it is going to be next to impossible to claim you owned the car - you can't because of the outstanding balance on the loan.  Further, you aren't going to be able to apply Section 602 against the party who repossessed your vehicle, IF the purpose of putting the car on the property you claim is to avoid the car from being repossessed.  I will tell you, if I were the attorney for the finance company, that's what I would do.  The DA would look at the situation, and they would believe me.  Otherwise, why are you so hot and bothered about applying Section 602 against the Finance Company!!  The finance company has the facts and the documents on their side.

I will admit, it's creative.  But the law doesn't allow people to benefit using 602 to evade personal responsibility.  At this point, you have a repo on your credit report, and getting another car is going to be pretty hard - that's what I would focus on right now....
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#13 Author of original report

Repo STILL illegal!

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, April 03, 2012
I wqonder at all you guys? WHY is it that the police, several California lawyers, and consumer advocates have no problem with my posts adn understand them clearly YOU can't? Obviously you have not researched California Law. Penal Code 602 (n) is more than clear. My car was on secured, gated, obviously NOT public land and permission needed to be givin to the repo people to enter. What is so hard to understand about that??? That is under the "tresspass law." The signs make it clear "We will prosecute." That is given as fair warning. I  did not video tape anything we have video cameras on the gates. We then have a video record, and, it shows them entering "without any permission fron the owners, the manager, or the person in possession." Sorry that is California Law, and now Chase is going to need to look at every repo done in California under these circustances. You people all seem so angry that these arrogant repo guys got caught? People I know are cheering, and now it is going to the legislation for review. Unfortunely these repo people are out of business -- and they are a big one here in the State. 
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#12 Consumer Comment

Really

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, April 03, 2012
We only have what you write on this site and you are giving us very limited information.  Where you still haven't posted the one thing that would explain your situation the best..the VIDEO.  Unless you have decade old video camera that is still using tapes, you can post it.  As you continue to post, you are defiantly showing how you are leaving out what may very well be important information. 

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.
- This is the first you mention even talking to this person.  Up until now for all we know you saw this guy in your driveway and started video taping as your car was taken away.  Now we find out that you had some communication with him.  So one has to wonder what happened before you started video taping.  Also can you please let us know if "probable perjury" is a Felony or Misdemeanor. 

Exactly what did this release say and why do you say it is illegal?

It is not based on NO Tresspass signs
- Oh?  So is that why you made it a specific point to state that there were NO TRESPASSING signs posted?

You still have yet to state where exactly your car was?  Locked Garage, Open Garage, Carport, Driveway, Front lawn, Roof..etc. 

You also never answered the question as to why during the time you wanted your payment date changed, that you didn't continue to make your payments instead of ending up 2 months behind.

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#11 Consumer Comment

You need to re-read your own original post

AUTHOR: Jim Martin - (USA)

POSTED: Tuesday, April 03, 2012
In your original post, you said nothing about the vehicle being in a locked building or in a secured area.  If you had, you may have gotten different responses.

And guess what, if the vehicle was in a locked area, all the finance company would have had to do is file their own police report which would have eventually ended in a court order for you to return the vehicle and you could have been brought up on theft charges.  The "No Trespassing" sign YOU stated was posted in your original complaint is completely irrelevant.

Yeah, sometimes it may be good for business, but the finance company is under NO obligation to work with you at all and most won't.  If you needed the payments to be due on a certain day of the month, you should have signed the papers on that day.  I am very surprised that they were even calling you so you could make the payment, unless they were calling to remind you that your payment is due that day.  Most companies require you to send a check or go to their office to make the payment.  Some companies will actually ask for a voided check when you set up the loan and they just send the payment in on the due date each month, this is how my current finance company does it.  You should check your loan papers.

And guess what happens next.  They are required by law to send you an invoice telling you exactly how much you owe on the vehicle and give you a specified amount of time to pay it.  Most states, it usually around 30 days, though in Indiana, they only have to give 15 days.  If you don't pay, then they can take the vehicle to an auction.  Whatever they get for the car is taken off the amount you still owe and anything that is left on the loan, they can sue you for.

And no, I don't work for, nor have I ever worked for any finance company or repossession company.  I just have looked at auto loans through several different companies.  Apparently Robert has done just about everything, though, lol.
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#10 General Comment

Building or Secured area...

AUTHOR: Kilrath - (United States of America)

POSTED: Tuesday, April 03, 2012
All your complaint says is that the repo person came and took your vehicle...it does not say that they entered a building to do so, nor did they have to enter an enclosed fenced in area from what you have said.  From what you yourself have quoted the restrictions are that the repo person may not do either of those things, if the car was just sitting in your driveway and not in the garage or in a fenced in area the Repo person did their job as allowed.

As far as all of us being old repo people, i doubt it.  Any time someone is unhappy that they were opposed in their report and they have nothing left to say the fall back is always well you must work for "name of company/service here"

All that we are saying is that based on the possibly limited information that you have given us on this website the repo was done in what seems to be a legal fashion. 
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#9 Consumer Comment

*****NATIONWIDE ALERT FOR ALL CHASE BANK EMPLOYEES: PLEASE TYPE IN 411913 AT THIS SITE AND READ RIPOFF REPORT #411913 IMMEDIATELY.......

AUTHOR: Karl - (USA)

POSTED: Tuesday, April 03, 2012
for important information.

JPMorgan Chase has $11 Billion in '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 on the web for proof.

Please alert all of the employees at all Chase bank branches in the United States immediately, so they are aware of the 'secret life insurance policies' that JPMorgan Chase has taken out on its current and former employees.

Thank You

***NATIONWIDE BANK ALERT: Make sure to stay at this site and type in- BANK, and read the Ripoff Reports from people all over America for important information if you have a bank account, loan, or a mortgage in the USA.
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#8 Author of original report

Repo illegal and on the way to DA for prosecution

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, April 03, 2012
TO: Robert of Irvine/Robert of Buffalo/Kilrath/Lois-

WOW you all must be a bunch of old repo people and you certainly dont know the law of California J  Even the sites you all sent me too state clearly a repo person may not enter a secure area There does not need to be NO TRESSPASS but it helps. I received a police report based on the law of California and it is on the way to the DA for prosecution.

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.

PLEASE go back and read exactly what my complaint is based on take the time to really read it! It is not based on NO Tresspass signs -- it is based on LAW and that is why the police took the report!

I love stupid people calling me stupid :-)
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#7 General Comment

I just found this one, LOL!

AUTHOR: lois griffin - (United States of America)

POSTED: Monday, April 02, 2012
Wow! First some bozo thinks 'no trespassing' signs will keep the Repo man away? Whats next? Commit a crime and the cops can't touch you? They can't foreclose on your house because they can't put the sign on your door? HOW STUPID ARE PEOPLE?
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#6 Consumer Comment

Digging Deeper

AUTHOR: Jim - (USA)

POSTED: Tuesday, March 27, 2012
You wanted them to change the payment date to coincide with your checks. While you were waiting for their decision for two months, you still received those checks. Why then were you TWO MONTHS behind (by your own admission)? The only reason they are in your life is because you needed them to finance you. Your contract contains all the terms...period. What if they called you saying, "we're having a hard time this year and we want to change your interest rate and add five points." What would you say? They are under no obligation to "help" anybody. The contract provisions do not say "negotiable". All they want is your money because that's all you wanted from them.
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#5 General Comment

Business and Professions Code 7522

AUTHOR: Kilrath - (United States of America)

POSTED: Tuesday, March 27, 2012
The Business and Professions Code, section 7522 (l) excludes agents of a creditor in the process of a repossession from the codes that you have quoted to allow for them to do their jobs.

I'm sorry that the car was repossessed but it was done legally.
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#4 Consumer Comment

Author is mistaken about the law.

AUTHOR: Robert - (USA)

POSTED: Tuesday, March 27, 2012
Your interpretation of the laws you posted flawed. Your reference to Penal Law does NOT apply in the case of repossession of a motor vehicle by the owner/repossession agent.  They may indeed repossess the vehicle on private property provided that they do not break in to any closed building or area that is FENCED AND LOCKED.

Posting a 'No Trespassing" sign does not make a vehicle repossession unlawful in any way in California.  If you were correct, then NO LENDER would grant vehicle loans in California because all anyone would have to do to avoid paying/repossession is post a "no trespassing" sign-utterly absurd!

Here's some references for you: 

1.  California Consumer's Guide to Repossession Practices.  You can download it at  http://www.bsis.ca.gov/forms_pubs/cons_grepos.pdf

2. Sacramento County Law Library article about private property repossession (vehicles).  You can read the article, complete with active links to the applicable California Statutes here:  http://www.saclaw.lib.ca.us/pages/repossessions.aspx
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#3 Consumer Comment

Where is the Video?

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, March 27, 2012
Again the regular Trespassing laws do not apply to repossessions, and every other law you posted basically confirms what I previously said.  That the Repossession is probably legal unless it was INSIDE of a secured building.  Since you have yet to mention exactly where your car was, are we to now figure that it was in fact inside of a locked building?   How about posting a link to where we can all see this video you have.

Believe me if the Repo Agent violated any laws you by all means should go after them.  But what I a saying is that unless you are leaving out a lot of information(which is why the video would help) you are barking up the wrong tree if you think that the Trespassing Laws will protect you. 

Because if you really think all it takes to keep the Repo Agent away is a simple No Trespassing sign.  Then perhaps you could market these signs on the Internet, and make a nice chunk of change while you are at it.
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#2 Author of original report

California Law on illegal repossion by Chase

AUTHOR: Sharon - (United States of America)

POSTED: Tuesday, March 27, 2012

I am waiting for Officer Rose to get back to me to finish up the police report, and I am in touch with Senator McCloud's office regarding this complaint, and Chase Finance is being very cooperative with me.


Bus & Pro Code 7508.2 (g)

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.
 
CAL. BPC. CODE 7500.1 (r): 
 
(r)"Private building" means and includes any dwelling, outbuilding, or other enclosed structure.
 
PENAL CODE SEC  602 (N) 

 

(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 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.

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#1 Consumer Comment

Sorry to tell you but...

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, March 27, 2012
you are incorrect.

"No Trespassing" laws do NOT apply to repossessions.  Since the lien holder has an interest in the car they are allowed to enter Private Property(even if posted) to recover the property in question.  Basically as long as they don't "Breach the Peace" it would be legal.  So they can go just about anywhere short of entering a locked garage, as that would be considered Trespassing.

Interesting how in your post you never said you contacted the police for this alleged "illegal" act.  So I suggest if you still think what they did was illegal, then contact the police.  However, don't be shocked when you find that they will tell you basically the same thing.

In March they did not call me and I was quite ill and in the hospital but they told me January 3, they had all my bank information to access my account and I assumed they had done that.
- Just something to think about...if you were that ill and in the Hospital how do you know they didn't try to contact you?  If you were not that ill what did you do when you noticed that they didn't withdraw the funds on the first?
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