With this member on February 9, 2023, we advised that we would be requiring the Self-help repossessions to recover the vehicle. The credit unionĪnd its repossession company abided by all state and local rules regarding Repossession on Februwhen the loan remained due for December 2,Ģ022 and there was no response to our Right to Cure letter. Was provided a Notice of Right to Cure Default on Januwhen the loan TheĬredit union also tried to reach the member at the home phone number provided,īut were unable to speak with the member or leave a message as someone wouldĪlways pick up the line and then immediately disconnect the call. The credit union mailed multipleĭelinquency letters each month and received no response to those letters. You don't steal their property then hope they can't recover it so you can sell if for a profit.Īnd getting charged late fees in November 2021, caught their loan up briefly,Īnd then started paying late again in September 2022. If there is a problem w/an account, you talk to the person about it. I could tell when she called the main branch to let collections know I was paying it off that he was mad. I should not have to suffer for them wanting to sell my car because it's worth more than what's left on my loan. I admit to a missed payment but the girl at the bank admitted my car NEVER should have been reposessed. I also had to drive out to Bridgeton & pay another $490 just to get my car. Which, how could I afford to do that if I wasn't paying my bills? Think about that. She admitted to me it was THEIR MISTAKE! Doesn't change the fact I had to get a cashier's check to pay off the loan because that was the only option I was given. I went up to pay it off & get it back & the girl at the counter pulled up my account & APOLOGIZED, telling me that it SHOULD NOT HAVE HAPPENED. I contacted them within the past week about opening a checking account & no one ever said ANYTHING about repossesing my car or even about is being past due but they reposessed it this morning. Recently, I made some partial payments, paid MORE than the actual payment &, yes, I did miss December's payment but January was paid in full & on time. I bought my car brand new in 2018 & it was financed by First Community Credit Union.
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