Westlake Financial Illegal Repossession with damage to vehicle and taking no responsibility Los Angeles, CA Nationwide

 You crack me up!!!! Have a nice life......If that's even possible. I'LL BE WATCHING YOU!!!!!!

You have just once again proven the point that you are so blinded by your own entitlement mentality that regardless of reality you will only read what you want.

You stated the following....

You don't even read the rules that say NO CAPS!

But what the instruction actually states is the following....

To help format our reports to be more easily read:

PLEASE...

DO NOT use all capital letters, it makes it hard to read.

Do you notice where your error was yet?  No where do the instructions say NO CAPS.  It says ALL caps.  My report used capital letters to emphasize certain points with certain words all perfectly valid.   And again this isn't up for debate or denial on your part because those were your words that you posted.

By the way contrary to what you may think, I am not here to "win" anything.  You posted your "ripOff" and I posted why you are wrong and some suggestions as to what you need to do to possibly help your situation.  It is up to you to listen or ignore it.  It is also up to anyone else who reads this to look at all the posts and make up their own mind.

 So did you arrogant guys study law or take debate class? Or were you just the neighborhood bullies? Maybe two of the afore mentioned. How much are they paying you for this? You asked me questions, why don't you answer mine? Ok that's all - I really am done now.

 ........we really aren't "deadbeats." I resent that. We are great people that don't call other "people" names. We are just folks who fell on hard times recently and are trying to get our lives back in order and, unfortunately, became too late on our payment. I get it. We signed the stupid contract that we won't ever do again! We didn't expect Westlake to forgive us or give us special treatment. It's the lousy lack of help in the 10 day process after everything was paid. You might think twice about name-calling. When you don't know the main circumstances of people, you don't know. I'm done with this......and you......and Westlake.

 Sorry, Robert, but I can see past all the riff. You can keep pulling out all my comments and complaints all you want and dissect each one. Your "tone" really speaks of your demeanor. Not very nice or helpful. You don't even read the rules that say NO CAPS! This ain't worth my time. This "subprime" person will be on to much better things soon and I'll just wait to see how you try to upset all the other Westlake customers .......

I love the Sub-Prime borrower as they always have such an "Entitlement" Attitude that it brings so much laughter and joy to this site.  It is almost like these people see and read what they want, as if there is some internal translator that they are using to have the responses fit the "Me good...company Bad" mentality.   So since you seem to be a bit slow, let me recap a few things for you...

The very first two words after the company name of your report was "Illegal Reposession".  By your own words you were 30 days late.  Because of that, per the contract YOU signed they had the legal right to reposess the car.  There is nothing illegal about this and there is nothing you can do to dispute this fact...because YOU admited to being late.

As for what happened afterwards.  Not once did I state that it was okay that your stuff was stolen.  Not once did I say that you didn't have a right to complain about that...sorry but no where in my post can you find anything close to those words. 

Now, what I did say was that if your stuff was stolen you need to have some proof you had those items and you need to file a police report.  Did you do that?

I stated that some states require the License plate to be turned in during a Reposession, and I told you to check your State Laws..Did you do that?

No, I can pretty much guarantee that you didn't because all you got from my statement was "blah..blah..blah tough luck  blah..blah..blah..you are at fault..blah blah blah..".

You talk about "rights".  But what you really mean is YOUR rights.  The rights of others, or should I say the rights of people who don't say what you want, don't really matter.

But then you go down to the "Oh I am done with this evil company and am going to do what ever I can to be done with them"..in this case you are basically saying that you are more than willing to sell your car and make up the difference to be able to pay off the loan. 

So tell me what braintrust came up with that brilliant plan?  As wouldn't it just be better to fullfill the legal obligation you made and just pay your payments ON-TIME?  Or should we now expect a dozen or so "horror stories" that you all of the sudden remembered of how horrible they have been every month.   But when you do be sure to also tell us how many days late you were each time.

But the classic part here was your conspiracy theory on the missing license plate.  You are really going to come here and think that there is some huge criminal black market for stolen license plates?  Let me ask you this then.  Why would a criminal go through some middle-man black-market seller to purchase something they could get in about 30 seconds needing nothing more than a screw driver?  By the way even on the off chance your license plate was used in a crime.  If they traced it back to  you, wouldn't the proof of the reposession show that you didn't have your car or plate and couldn't have done the crime?  In fact...they would then go right to the last person who had it,.the tow company.  Yea, not much of a criminal enterprise opportunity when you lead right to the source.  But heck, your sub-prime attitude has to come up with something to even remotely attempt to justlfy your weak position.

So good luck in what ever your endevors are and once again..if you expect any other company to treat you differently if you fail to pay them, we will be sure to see another post of yours on this site in the future.

Thank you for sharing your feedback with Westlake Financial Services, Gina. We take all of our customers’ concerns seriously. We apologize for the negative experience you had with our company. We do not support this type of customer service, and we are working very hard to make sure that everyone is helped effectively and within a timely manner. If you have any questions about your account, please contact our customer service team at 888-739-9192.

 I see both you, Jim and Robert, have also replied to other Westlake complaints. How much does Westlake pay you? And what is your "legal" representation background or interest in this matter defending them? Your attitude is exactly why we are disgruntled consumers. Its the same verbal communication from the people of Westlake. Trained to be that way, huh? How rude. I don't have a reason to complain when I am now responsible for theft and damages after the vehicle was in Westlake's possession. Hmmmm

Well, yes, I have done my homework and am well aware of all the financial issues on my end on selling it and it's the only way to go to not have to deal with your company again, because we have no rights to anything. I am not that dumb. But thanks for letting me know and for being oh, so helpful.

 You are going to wail and whine about them taking "responsibility"? Right. Sure. "Responsibility" only applies to them, right? "Responsibility" doesn't apply to you making each and every payment on time, like you said you would. NO RIPOFF HERE -- Complainer defaulted on contract and caused a repo.

Ha ha ha, just as I expected. It's all the consumers fault (aka: deadbeat non bill payers). I do have a story on being late, but I'll spare you as you really could care less, and that's fine, I don't blame you. And your attitude on customer service......wow! Btw......the license plate.....Westlake says the transport co takes it........I'm wondering what happens to it? The towing and transport company says they don't have it. Now, how can I be sure it's not somewhere illegally and underhandedly sold for crime? No one knows. There's plenty of room for mischief! We have no rights to anything, folks, which is why cash buying is the only way to go! People just be good with your money and pay cash and put finance companies out of business. Best way to go!

Oh yes the "I was late, I understand....but they are wrong and I am going to sue them".

Your title states "Illegal Reposession".  Well your car was legally reposessed because you admit you were late.  So as to what is your main complaint--WRONG.

Then you state that as you understand it they can not sell the vehicle for 10 days.  Well this may come as a shock to you, but shipping it to an auction yard is NOT selling a vehicle.  As if they had sold it you would not be driving it back now would you?  So as to this complaint--WRONG.

You complain that they didn't apologize or anything for sending it to the Auction yard.  Really?  So I guess they should have been on their knees thanking you for finally making a payment?

You stated that they stole the license plate.  Are you aware that in some States that the license plate is required to be turned in after a Reposession?   Have you checked out the laws in your research?

Your items that were stolen.  Did you file a police report?  Unless you can prove that somehow someone from Westlake went to your car and took everything out, you are going to have to go after either the Reposession company or the auction yard.  But for everything you claim to be in the car you better have proof.  So before you go claiming $10,000 in electronics or that rare family Picaso you better find your proof of ownership and receipts.

By the way as for selling the car.  You do realize that since you are with a sub-prime lender it is very likey that you are "upside down" on the car.  Meaning that you owe more than you will be able to sell it for.  This is important because you will not legally be able to sell it until you pay off the entire balance of the loan.  Because until then this company holds the title and will not release it until the loan is satisfied.  Oh and this is how ALL finance company work.

 ....are those deadbeats who are behind in their payments. In your contract, it states if you are late, they have the right to repo the car. Check your contract, self appointed law expert! If you didn't want to deal with a repo, then you pay your bills on time. However, in typical deadbeat wail, they are the bad guys. You were placed with these guys because you gave yourself a bad reputation for paying your bills late. Here we are with them and you haven't learned anything as you are now paying them late as well. I'm sure you have 1000+ excuses as to why. Good luck in selling the car for the full contractual amount.