Nu Two U Auto Sales don't do legal repo's with legal paperwork thru the courts or don't do legal inspections,claim you own more then u do,RipOff Sullivan Missouri

I am a repoman here in missouri first off lets go over missouri law

Missouri has a peaceful claus law which basicly means no repo man can repo an auto if you tell them not to.they can sneak back and take the car if they dont breakthe peace. right before getting the vehical however if they are already in car driving off and you run after them telling them to stop they dont have to because that is after the fact and no peace was broken.

the police can in no way help them to repo auto.

repomen call the cops before hand so police are aware of whats going on so that if the person in default calls and reports it stolen the police dont set up road blocks and shoot the guy.

as repo men having badges i seen some that do but the badges dont mean anything they have no power.

if the repo man that came flashed a badge and said nothing but he is repo man then no law is broken. if he said he was an officer or made in threats to you then he broke the law.

in missouri there are repo form mo470 but they are NOT required.

and the money they charge you to get your stuff back is for repo fees. they assume that the person tat is in default will never pay for the rest of the car but they still had to pay a repo man.


as for the illegal inspections then report it to state of missouri.

my advice is to pay your bills on time and this will not be something you have to deal with.

First the bad news. Much of what they did was legal. They can repo the car for being one day late. They do not need anything from "the courts." They do not need to give you advance warning. They can often demand payment of the full remaining loan plus repo fees to get the car back. Buy-here, pay-here places know all this and exploit it in order to take a car that is nearly paid off so they can sell it again.

If you're in a BHPH deal, it is imperitive to make every payment on time. Or they will take the car and sell it again. That is how BHPH works. If you want to buy a car a BHPH dealer has, it is best to pay cash, or if you have decent credit, arrange a loan thru your bank.

Now the good news. Most of what they did was illegal. Repo men cannot use force to take a car. If anyone objects to it being taken, the repo man is breaking the law by continuing to argue. They can only sneak up and take it when no one notices. In this case, if the police were called, they would be on your side. That's why he didn't call the police first. He was bluffing. The police would've also been quite interested in his phony badge. Pretending to be a law officer would send him to jail.

Missouri has "one time right to cure". That means you can pay the back payments and repo fees to get the car back ONCE. The second time it is repo'd, they can demand full payment of the remaining loan balance.

They cannot keep the personal items from your car if you want them back. In a few states (not sure if MO is one of them) they can charge a "reasonable fee" (typically less than $50.00) to "store" them. Go there with the police and demand your stuff back. In Missouri, you also keep the license plates. Go there with the police and get them. Ask to see the guy's "badge."

Dave we know people have to pay for things they buy!!!
Come on send a repo man for a only a few weeks late? I don't expect or want sympathy from the public but I do want the public to know the truth about this ripoff company...

(((sufficiently screwed up their credit so badly, they cannot get financed anywhere else.))))
WRONG!!!
I did get a car from somewhere else but I like this car I seen from this place.Don't judge others until you know the real facts!!!!

((((If you pay your bills on time, you'll get treated much better))))
Well Dave from Florida I am so glad you have never had to experience what it is like to get sick or loss a job after the fact and became only a few weeks late on a payment!
By law even scub repo men need legal repo papers from a court to pick up a car!
There was nothing legal at all about this repo at all from the courts, no letters no nothing...
Who isn't treated better with money? The rich can buy it now with cash and don't have to deal with scub repo men and ripoff companies...
AngelD






Yes, you are correct, people have to pay for things they buy!



There are a lot of people on this site with legitimate complaints and ripoffs. And, there's a lot of people, that is just here to complain about a problem that they caused, and expect sympathy from the general public.

If we look at this problem logically, we would see that the OP bought a car at a buy-here/pay-here place because they have sufficiently screwed up their credit so badly, they cannot get financed anywhere else. Then, they don't make the payments (of course), and have to deal with low-life scum repo men. Well, if you weren't in the same category, you wouldn't have to deal with your peers, now would you? If you pay your bills on time, you'll get treated much better.

There are a lot of people on this site with legitimate complaints and ripoffs. And, there's a lot of people, that is just here to complain about a problem that they caused, and expect sympathy from the general public.

If we look at this problem logically, we would see that the OP bought a car at a buy-here/pay-here place because they have sufficiently screwed up their credit so badly, they cannot get financed anywhere else. Then, they don't make the payments (of course), and have to deal with low-life scum repo men. Well, if you weren't in the same category, you wouldn't have to deal with your peers, now would you? If you pay your bills on time, you'll get treated much better.

Geez, I hate repo guys. I have not been in the position of losing my car, but I know people who have. It's not that the dealers don't have the right to protect their investment, but there is just something evil and scummy about a guy who makes his living this way. I mean the kind who breaks into the car and takes it from your driveway without even telling you.

That is why, when I found an envelope on the floor of a 7-11 last year, with reposession papers and 500 dollars in cash in it, I kept it and took my 2 boys to Disney World for the Weekend. No regret, no sympathy. I hope the scumbag repo guy who lost the money got fired.