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Help with Car Repo Aftermath...
Reverend_Chaos
Suit Up!Spokane WARegistered User regular
Suit Up!Spokane WARegistered User regular
I reside just outside Spokane WA.
Long story short my finances have been lean for the last 6 months, and my wife and I are behind on our auto loans. We were just getting to a point where we could actually pay the bills and try to get caught up. The bank repo'd my car 11/28/16. I talked to the bank, got everything straightened out over the course of last week and this week. I give the bank my money 12/06/16 at 1:30pm. I have all kinds of trouble getting the auction house to release the vehicle, it took 5 calls to them and 5 calls to my bank during which my $50 fee (that I have to pay to the auction house holding the van) suddenly becomes $120. (I gave the bank every penny I had but the $50 I kept to pay for this.) My wife is the one picking up the vehicle, she goes in and makes them honor the original quote of $50.
Issue #1 - Now I have my van back, but all of my personal belongings have been removed, including my cell phone cradle. I was told by the bank last week that I had until 12/11 to resolve my payment or pick up my stuff. I have not called them about this yet because of issue #2....
Issue #2 - one of the handles above the windows at the back has been broken. Wasn't like that before. I would like them to fix it, BUT....they made my wife sign a liability waiver before they would release the vehicle, so I kind of expect them to stonewall me on this. After all the crap they put me and my wife through, I kind of want to pursue this, but I also wonder if it's ultimately going to be worth it. The did not give my wife a copy of the waiver.
Thanks in advance for any input or advice!
Long story short my finances have been lean for the last 6 months, and my wife and I are behind on our auto loans. We were just getting to a point where we could actually pay the bills and try to get caught up. The bank repo'd my car 11/28/16. I talked to the bank, got everything straightened out over the course of last week and this week. I give the bank my money 12/06/16 at 1:30pm. I have all kinds of trouble getting the auction house to release the vehicle, it took 5 calls to them and 5 calls to my bank during which my $50 fee (that I have to pay to the auction house holding the van) suddenly becomes $120. (I gave the bank every penny I had but the $50 I kept to pay for this.) My wife is the one picking up the vehicle, she goes in and makes them honor the original quote of $50.
Issue #1 - Now I have my van back, but all of my personal belongings have been removed, including my cell phone cradle. I was told by the bank last week that I had until 12/11 to resolve my payment or pick up my stuff. I have not called them about this yet because of issue #2....
Issue #2 - one of the handles above the windows at the back has been broken. Wasn't like that before. I would like them to fix it, BUT....they made my wife sign a liability waiver before they would release the vehicle, so I kind of expect them to stonewall me on this. After all the crap they put me and my wife through, I kind of want to pursue this, but I also wonder if it's ultimately going to be worth it. The did not give my wife a copy of the waiver.
Thanks in advance for any input or advice!
“Think of me like Yoda, but instead of being little and green I wear suits and I'm awesome. I'm your bro—I'm Broda!”
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Are you currently underwater on the van? If not, you may want to consider selling it and moving to a cheaper vehicle for a while until you're on more stable financial footing.
You can't give someone a pirate ship in one game, and then take it back in the next game. It's rude.
Fighting over an interior trim grab handle will not be worth it assuming your time has any value to you.
The phone cradle was less than $20, so again not a huge deal, just very vexing.
As far as the loan, I now owe about what the vehicle is worth, and I can afford the payments. My wife hurt her ankle in the spring, missed some work (She does not have short term disability) so we were short on cash, which caused some bills to get paid late, which really made everything worse as all kinds of fees and charges get tacked on. Being poor is ludicrously expensive.
I appreciate your replies, you are all amazing.