Re: Unlawul Repossession of a Vehicle

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On 5/15/06, Mary wrote:
> I have a Honda Ridgeline which I purchased at the end of
> last year. I get a little behind on the payments from
time
> to time - that's another story. I got very behind and in
> April received a call from Honda Finance telling me they
> inteded to repossess. I called them back and left a
> message that I wanted to take care of the arrears right
> away, but they did not call me back. The next day I
called
> again and someone tried to connect me to the person I'd
> left the message for the night before, and I was instead
> hung up on. I called back and someone else tried to
> transfer me, then came back on the line (I think the
person
> who wanted to repossess my truck wouldn't talk to me!) In
> any case, I spoke to this person, Eric, who told me if I
> paid the arrears that day the vehicle would not be
> repossessed. I went to Western Union and sent a "Quick
> Collect" for the full amount of the arrears immediately.
> This was on a Friday afternoon.
>
> The following Monday my truck was repossessed. It cost me
> a day and a half, $535, gas, and etc., and when I finally
> got the truck back my cds were all scratched and the rear
> tail light and door were damaged.
>
> What is my recourse? Since the payment was made as
> promised, I contend that Honda Finance had my car stolen.
> Now, event though I'm current in payments, every time I
> hear a noise at night I go to the window and make sure my
> truck is still there. Every morning the first thing I do
> Is check the carport. It's made me NUTS!
>
> I live in South Florida. Can anyone help me?

Your contention that Honda stole the vehicle is incorrect,
to say the least. First of all, it is THEIR vehicle, not
yours. Secondly, by not making timely payments, you
automatically breached your loan agreement - Read it, it
will clearly state the consequences (e.g. repossession).

Remember that if you fall one penny behind, they can take
THEIR property.