Drive Time I am actually in another situation with Drive Time currently. They repossessed my car for lapse of insurance. Although there was no lapse. I sent in the declaration as they requested. Now no one can find it and the didn't bother to call me or respond to my email. Now I am carless once again, facing a $300 repo fee, plus a storage fee of $125. All because they were to lady to contact me. I also have an issue with them changing my payment due dates. I changed jobs, therefore changing pay days. Drive Time told me they couldn't change the dates so my payment are always considered late. They never are willing to work with you and they always have this cocky attitude when talking to customers on the phone. Phoenix Arizona Nationwide

Throughout this entire "ripoff" you keep saying what 'they' won't do, or what 'they' are not doing, or why 'they' are at fault.  But the reality is that the one at fault here for most of it is YOU.  The fact that you continue to blame others for your problems is not only a main reason why you ended up with this Sub-Prime lender in the first place, but will continue to be with Sub-Prime lenders for years to come.

First of all when you signed the loan agreement, you agreed to make a payment for a certain amount on specific dates.  There was nothing in that agreement that said they had to change the dates.  So contrary to what you think 'they' don't have to do anything. 

There is no reason you should have been TWO weeks late by going from a company that pays from every week, to every other week.  Because the longest you would have gone without a paycheck is one week.   So I will give you an "out" that if you didn't realize you needed to save up, you would have been 1 week late.  ONCE, but only ONCE.  After that you do what other RESPONSIBLE adults do, they use a budget.  If you get paid every two weeks and your payment doesn't happen to fall on that week.  You put the money aside knowing you have a payment coming up.  Even with them not changing your due date there is no reason you should be paying behind..you should actually be able to now pay ahead.

So yes, the reposession where you were 2 weeks late is 100% legitimate.

Now onto the insurance.  Okay, so you needed to send them proof of insurance, which you say you did.  But then you say that 'they' were too lazy to follow up and give you a call.  Well sorry, but you were in fact the one too lazy to follow up with them and make sure that they got it.  The moment you sent it over you should have called and asked if they got it, and you should have continued to contact them until they got it.  So on this one again you need to take quite a bit of the blame.  I won't say all of it because if you did truly send it and they did truly loose it, they should hold some responsibility.  But had you contacted them to make sure it was okay, it would probably have never gotten to the reposession stage.

As to your comment that you want "your" car back.  Sorry to tell you but it isn't your car until you make all of the payments and pay off the balance.  Until you do that, they are the legal owners of the car..hence the reason they have the authority to reposess it.

Oh and no I do not now or have I ever worked for this company.