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Report: #1452427

Complaint Review: TitleMax - Grandview Missouri

  • Submitted:
  • Updated:
  • Reported By: Christopher — Kansas city Missouri United States
  • TitleMax
    11915 Blue Ridge Blvd
    Grandview, Missouri
    United States

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I had two TitleMax loans, one on a 2003 Trailblazer and one on a van. The Trailblazers transmission went out which meant I had to default on the loan since I couldn't afford to replace a transmission and pay $230 a month for the title loan. After that when I tried to make a payment on the van they refused to take my payment saying I had to pay on the Trailblazer first.

Is this legal? In my mind they are two seperate accounts. It doesn't seem right that they could refuse to take your payment and then take your car for not making payments.

This report was posted on Ripoff Report on 07/19/2018 05:54 AM and is a permanent record located here: https://www.ripoffreport.com/reports/titlemax/grandview-missouri-64030/titlemax-titlemax-refused-to-take-payment-on-title-loan-grandview-missouri-1452427. 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:
2Author
2Consumer
0Employee/Owner

#1 Author of original report

Your job must be reading these reports

AUTHOR: Christopher - (United States)

POSTED: Friday, July 20, 2018

I don't think its possible to stiff people that charge that kind of interest but thanks for the lecture Dad.

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#2 Consumer Comment

Some have many jobs - Some have none

AUTHOR: VOR - (United States)

POSTED: Thursday, July 19, 2018

I love it when a reasonable comment on an issue is met with the original poster claiming the commentator must work for the company they're complaining about. Christopher, if you look at enough posts here with rebuttals, you'll see that "Robert" has commented many times. By your reasoning then he must work for a ton of companies. Maybe he can gift you one of his many jobs so you can pay off your title loans. These title loan companies are expensive for a reason, that being they are making the riskiest loans on earth, with a tremendously high default rate. I would be the first to say they are probably for the most part not the nicest or most up front people, but ther contract is what it is. You did make the choice not to read it. All well and good if you don't care less about these two vehicles and thus feel free to stiff these guys. I couldn't care less about companies like them eating bad loans. But sooner or later you're gonna need to feed at the trough again unless you make radical changes financially, so you'd be best advised not to cavalierly burn your bridges with these folks and do what you got to in order to pay those loans off.

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#3 Author of original report

You must work for TitleMax

AUTHOR: Christopher - (United States)

POSTED: Thursday, July 19, 2018

Thats a lot of legal speak on TitleMax behalf do you work for them? Do you really think I read that agreement? TitleMax chareges outrageous interest and takes advantage of people when theyre desperate for money. Basically what you're saying is there is no motivation to pay off the van either. Thats fine, the Trailblazer was in a police impound lot and the van is worth around $500 and needs about $1100 worth of repairs. "Your mind is wrong" what an egotistical a*hole.

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#4 Consumer Comment

Your mind is wrong

AUTHOR: Robert - (United States)

POSTED: Thursday, July 19, 2018

This is totally and 100% legal, not only that but you agreed to it.

When you got the loan one of the terms is the "Right of Offset". This is if you default on a debt with them(the Trailblazer) they maintain the right to apply other accounts and payments to that defaulted account.  This keeps you from doing exactly what you are trying to do..pay off and get the title back on one car when you are defaulted on the other loan.

Because they have a security interest in the cars(the titles), not only can they force you to pay on the defaulted loan first, even if you paid off the loan on the van they do not legally have to give you the title back on either of them until you pay off the defaulted loan.

So in short yes if you fail to get current on the Trailblazer and that causes you to also not be current on the van they can reposess one or both of them.

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