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YOU R NOT GONNA BELIEVE THIS - why does this crap happen to me only????


TANNER'S MOM wrote: Ok I am sooo angry and mad. I honestly think the world is out to get my family. Ok, two months DH worked some overtime and we paid off his truck. It was a little earlier, but I mailed them a check for 800.00 With a letter requesting the title. We were happy..I hadnt recvd the title, but thought it would take them a while.

Now I don't know about you but I know when an $800.00 check clears my bank. I watch my online banking about 10x a day. I know every cent in there, and I know the Check Cleared the Bank and I know what day it cleared etc..

Here is the deal.....the big kicker! You aren't gonna believe this one.

DH got off work last night at 6pm. He went outside to get in his truck. NO TRUCK ! !!!! He freaked out and called me. I had no idea where the truck was, he thought maybe a buddy pulled a joke and moved it, NOTHING there. We called the police everything. WELL let me tell you. A local tow truck had it. The police found that out b/c tow trucks have to log there vehicles with them. IT WAS REPO"'D Can u imagine. The embarressment, the shame I felt. Randy was devasted..he told the officer over and over but it is paid off.

So, I call the finance company and get a guru..what kind I have no idea. And I say it is paid for. They say the check bounced. And so they had to REPO it is worse than not paying...and that an $800.00 check is a felonly.blah blah..As I am talking I am on BANK OF AMERICA.com looking at the check that cleared! But NO WAY can they believe me...nope I am dumb woman from ARKANSAS...

So, I say HOW CAN I PROVE TO U THE CHECK CLEARED..I have to get a signed and notirized(SP) statement from my bank to them ASAP...or pay the money to ge the truck out of hawk... We the statement as to go to some weired address.. I guess I will go to the bank today and get the statement and FEDEX it to them...

But I am so upset. Randy cell phone, Tanner's coat and CD player, Randy's good glasses etc was in the truck. The tow truck guy said we can get our personal belongings back but we have to schedule a time when we can be on the yard.. Great! Great Great.

Well DH works 6am to 6pm..so I have to do this all myself. And work a 8-5 today. I just can't believe this would happen and no one would listen.

Thoughts and prays.

mammag replied: OMG!!! I would be way beyond mad.....livid!!!! That is unbelievable. How in the heck could they think it bounced when it cleared your bank??? Are they allowed to repo it if they haven't even notified you?

My thoughts and prayers are with you. I hope you get it all settled out quickly. They should do something for you when this gets straightened out but in today's world they probably won't. You'll probably get an "Oops we're so sorry about that".

UGH!!!

gr33n3y3z replied: OMG
You know some months I wish that would happen to me and then I wouldnt have to worry about the steep payments But I know if it did I would cry LOL
What gets me is the check cleared.
I would file some sort of a suite on them after this is all cleared up and done with just to show them they better check the records better before they do stupid stuff like that.
I hope they clear it up fast Mel
Here is a hug
((((( Mel )))))

Boys r us replied: OMG Mel! That is so horrible!!! What kind of a place does business like that? I mean..okay let's say that somehow the loan company REALLY believed your check had bounced, wouldn't they send you a letter like most other companies would saying "Hey, YOUR CHECK BOUNCED"?

I'm so sorry, I hope you get all of this worked out quickly!

TANNER'S MOM replied:
I told them I was gonna sue them....I am already threating. Because it looks bad..and After this is cleared up which I am sure it will be in a few days..I want them to give my credit report and make sure that there are NO bad things on it. NOT so much as a late payment...

Randy told me to contact a lawyer today and get some advice.

I have a friend who works in financing and she said that it might be something as simple as them checking the NFS instead of TITLE buttom, but it is hell to get them to fix.

Evidently it is! This is crazy. I never recv'd a letter or a phone call. And I told them that too..How is this.

Why do I always fall between the cracks??

gr33n3y3z replied: Well Mel you were always on the right track they were the ones who came off the track
I know about credit reports ...... Some guy here in NJ has the same name as my hubby but he lives in another county and all his crap is on ours and WE paid to have him off of it and it still shows up. believe this or not even my brother Inlaw's Student loans were on ours Now go Figure how do you figure Robert and Richard are the same ppl. I swear those ppl. are so stupid.

Hillbilly Housewife replied: That's so crappy! mad.gif mad.gif

Hope it clears up....

Mommy2BAK replied: OMG! ohmy.gif

Mel, that is awful!I cannot belive that. Those JERKS!!!!

kit_kats_mom replied: That's unbelievable. As a former collection manager, who orderd repos on a daily basis, I can tell you that someone at the bank screwed up. Now, you don't have to notify someone when you assign their car to repo (I can totally see that convo. Hi we are coming to pick up your truck since you aren't paying for it. Please leave it somewhere that we can tow it away from ok? hello...they'd hide it LOL) but you really need to have your ducks in a row before you assign it. Most repo agents require payment history screen prints, all vehicle info etc.

I wouldn't even talk to the repo guy. He is just doing the job that his employeer (the bank) is telling him to do...he has no way of knowing if your check cleared or not. KWIM? He hears it all the time "the bank made a mistake" "I'm gonna sue" "blah blah blah" You can make him out to be the villian but in all reality, it's totally the banks fault. At the most, I'd let him know that you are going to be speaking with the bank since they assigned the car in error.

Call your bank and have them get a copy (front and back) of the cleared check. That will show the car place where they deposited it. It could be something as simple as an account number error...the check could have been applied to someone else's account.

I'd call the car financing place, speak with a manager, and tell them to get your car back to you ASAP. (be a b*@tch, make them deliver it to your doorstep with the title & a dozen roses if that's what you want) and that it's not your responsibility to clean up their screw up. I'd also advise them that you've obtained legal counsel, that will usually light a fire under them.

Feel free to email me (cary@carywright.com) if you have any questions. I may not be on the board much today but I will be checking my email.

TANNER'S MOM replied:
Thank so much for your advice. I have called customer service and the bank this morning. The bank says I am right..It has cleared.. They have faxed it to the company for me. The company is requesting a notiarized statement from the bank, the bank says they are crazy..they made the mistake the front and back of the check should clear that up. If they work it.

My friend told me to wait to the b**** until I have my truck. B/c we know we will get the truck back, but if I am a witch they may work my case slower.. I don't know what to do except let them verify the info..

I couldb't even sleep last night...and I feel like every person I call thinks Yeah Right , and that I am full of crap!

Mel

TANNER'S MOM replied: Ok, the place where our personal things are..is closed by TODAY~
thats par for the course..

The other thing is a MANAGER from the bank is calling me ..He called while I was on the other line..and we are missign each other!

Woo gonna be a long day!

My2Beauties replied: mad.gif Oooh I would be so angry! I would light a fire under their arses alright, I'd march my butt down to the bank and start screaming at someone! Sorry guys when stuff like this happens to me I just go off because it's always some dumb butts fault that could care less how much of a pain in the butt he/she just caused you and usually they never even find out about this huge mistake they made and never get reprimanded for it! mad.gif

DansMom replied: grouphug.gif grouphug.gif

All I can say is Uggh. I'm so sorry you're going through this.

DVFlyer replied: Great advice, Cary. Glad you were around with your experience.

Sorry to hear about the troubles. Nothing bothers me more than people who screw up and make it hard for me to fix their mistake. I get VERY annoyed but it usually ends up being a very long drawn out process.

JessC replied: OMG, My bro and sister in law now divorced, had a 2004 neon and they couldnt afford the payments so they turned it in themselves and ruined his credit SOOOO BAD! All because that biotch wanted a new car cause i had one. dry.gif oh well.

I am so sorry. sad.gif mad.gif I hope things get better and all cleared up KEEP us posted!!! smile.gif

Kaitlin'smom replied: OMG ohmy.gif mad.gif I can't believe that, I know when the dealer paid off my car I called a few days later to make sure they had the payment and when the title was gonna be mailed then I called again to make sure it went out. Seems like today you have to foloow everthing in order for ti to get done right.

I hope they fix it fast and do something gurrrr how irritating

mom21kid2dogs replied: Geeze~what a mess! It does seem like your family has had a run of interersting luck lately! mad.gif Ugh! Hope it gets straightened out soon!

kimberley replied: omg, i would be livid!! mad.gif i would be asking for a lot more than delivery and roses... definitely contact a lawyer and let us know what they say. fingers crossed for you sake that this isn't going on your credit record. hope you get it all cleared up grouphug.gif

loveydad replied: That seems to be my mantra, Why does this stuff only happen to us lol.

I cant' believe that! I'm sorry!

A&A'smommy replied: OMG IDIOTS IDIOTS IDIOTS!!!! Where the he** are peoples brains!!!! ((((HUGS)))) I hope you get things worked out I can't amagine how pissed you guys are!

alice&arik replied: I have Bank of America and I am not too impressed with them. dry.gif They are always scamming me out of money, every little $1.50 at a time. rolleyes.gif They seem to make a lot of mistakes and the Online Banking never matches what they said. One day I withdrew $1,000 cash and asked the guy what my balance was and he was like $150, I was like ok. the next day I was $150 in the hole! And they said I never had that balance of $150. And I overdrew on the $1,000 cash. I said why would you guys give me money if it would overdraw me? They couldn't give me any answers to that little mistake. mad.gif


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