Unacceptable Repo Man Tactics

[Nekojin]

So why won't he let them have the car???

A huge host of reasons, the most important of which is that his girlfriend, who is employed (and whose job takes her all over the area, not just to the same location every day) still needs to get to work using the car. Without the mobility of the car, she has no job, which makes matters worse.

Even he acknowledges that the repo dudes will probably get the car sooner or later, he's just stubborn about it, and if it comes to fighting with him over letting them have the car, or blocking them from taking the car, I'm going to have to grit my teeth and side with him.

Frankly, I hope they're more clever than we think, and they get the car when we're not looking. Then it'll be out of my hands.

[Nekojin]

II only watch those shows for the entertainment. Never had I heard anyone threatening to kill a animal, though. Thats just wrong.

That's because the shows like that (all of them, including Parking Wars, and so on) edit out any footage that would make the people being followed look like asses. Sure, they're sometimes a little fiery and confrontational, but they're sterling angels compared to how some real-world tow drivers and repo guys are when there's no cameras around and it's only he-said-she-said.

[draco664]

A huge host of reasons, the most important of which is that his girlfriend, who is employed (and whose job takes her all over the area, not just to the same location every day) still needs to get to work using the car. Without the mobility of the car, she has no job, which makes matters worse.

Please tell me she's working on getting her own wheels. Relying on something that may be removed from you at a moment's notice is retarded.

[Nekojin]

Please tell me she's working on getting her own wheels. Relying on something that may be removed from you at a moment's notice is retarded.

She actually has her own wheels, but due to Circumstances (largely relating to the deadbeat brother), it's 2 years out of registration, and driving it is therefore a risk in and of itself. But at least it's paid off. =>_<=

[guywithashovel]

I think repossessing is one job I "couldn't" do without getting annoyed to death.

Let me give an example. A high school friend of my sister friended me on Facebook. One time, she posted a status bragging about how she "told off" a debt collector who called her about an old credit card that she apparently never paid off. I found that annoying, along with the fact that many of her friends (her mother included) cheered her on.

You take on debt, you have to pay it back. That's how the world works. You take out a loan, you must make the payments. You charge things to a credit card, you must make the payments on it. If you don't, they're going to come for you, and "they" aren't the bad guys for doing it.

The only times I would look sympathetically on the person would be if the debt was because of a scrupulous lender or if the person fell on hard times. In these cases, I would hope some deal could be worked out.

[blas87]

I have no patience for people who make things worse by being pushy.

The clinic's patient financial services system must have had a glitch, or some real retards working there, because it was supposed to be noted after two or three phone calls to me, I called back and said I'd make my payment the next day. While I tried to sleep for work, all day, that phone still rang a few more times. And as soon as they were open the next morning. I hadn't even gotten home to the computer to MAKE my payment yet, it was barely after 8 am and the phone was already going off.

Yes, stalking people is exactly how you get your way.

[crashhelmet]

I think repossessing is one job I "couldn't" do without getting annoyed to death.

Let me give an example. A high school friend of my sister friended me on Facebook. One time, she posted a status bragging about how she "told off" a debt collector who called her about an old credit card that she apparently never paid off. I found that annoying, along with the fact that many of her friends (her mother included) cheered her on.

You take on debt, you have to pay it back. That's how the world works. You take out a loan, you must make the payments. You charge things to a credit card, you must make the payments on it. If you don't, they're going to come for you, and "they" aren't the bad guys for doing it.

The only times I would look sympathetically on the person would be if the debt was because of a scrupulous lender or if the person fell on hard times. In these cases, I would hope some deal could be worked out.

There are the ones that take on a debt, never pay a bill, and then run and hide and hope it never comes back to get them. There are others that take on a debt, make their bill payments on time every month, and then something goes wrong and they're no longer able to do it.

Sadly, collection companies treat both the same exact way. In most cases, the debtees would gladly work something out if it means keeping their house or their car.

THEN you get the accounting or procedural screw ups that go to collections and people go through hell trying to get it fixed.

I have a lawyer that bought a "zombie debt" calling me just about every day, sometimes multiple times a day, trying to talk to me about this debt I supposedly still have.

It's for a Visa card I had in 1995. For starters, even if I was like the first person I described, the debt is well past the statue of limitations. Secondly, the debt was created when I reported my card lost/stolen and they created a mirror of my account when they sent out the new card. So now, instead of having a account with a $4k debt on it, I had 2 accounts with a $4k debt, totaling $8k.

The bank refused to acknowledge the screwup. I let it go to collections and then I went to the credit bureaus and had it removed from my credit report. This lawyer got it and bought it from the bank and has been trying to get me to pay for the last 5 years or so. The real debt was paid off within a few months of getting the new card.

I almost had my truck repossessed a few years ago. I was fighting with my bank over whether or not I had paid it off or agreed to a 6 month extension. I asked for the pink slip, they asked for their money. I asked for proof of agreement. They sent a repoman, I sent a lawyer.

I'll gladly cheer on anyone that fights a collection agency if they're in the right. if they truly are a deadbeat, then they can reap what they sow.

[gremcint]

I made a 30 second ringtone that was nothing but a blank MP3 file. Just a perfect flat line, not even static. 30 seconds of silence. Now when they (or anyone else I don't want to deal with calls I don't even notice it unless I happen to be looking at the phone at the time.

Fucking brilliant.

[Boozy]

She actually has her own wheels, but due to Circumstances (largely relating to the deadbeat brother), it's 2 years out of registration, and driving it is therefore a risk in and of itself. But at least it's paid off. =>_<=

This is a really bizarre situation. Why are these two causing so much drama over a car that no longer legally belongs to them? They KNOW they don't have a leg to stand on, but they're still being pricks about it. Why do they not get a registration on the car that's been paid off, and get the repo men out of their lives?

I'd do almost anything for my brother, but when he's been a dumb-ass, I tell him so and let him live with the consequences. I'm not sure that you and Andara are doing these two any favours by supporting this kind of behaviour.

[bainsidhe]

Why are these two causing so much drama over a car that no longer legally belongs to them?

Not knowing these people personally, I can only hazard a guess, but supsect part of it has to do with "They started it". Anytime someone goes out of their way to be a prick, I have a tendency to become bullheaded and dig in my heels, for better or worse. In the OP's case, the repo man threatened their pets. It'd be a cold day in hell before I'd make this asshole's job easy for him.

[tropicsgoddess]

So the cops dismissed your report of the repo man's threat to kill your brother's dogs?!! I despise sleazy collection companies and their tactics. It's one thing to threaten justifiable legal action if the debt isn't cleared or if the car is being hidden or inaccessible. But it's another to make intimidating threats like killing somebody's dogs or any threats of bodily harm or intimidation.

[Andara Bledin]

As for why he's fighting to keep the car, it's because he needs the car to do anything. Plus, he has a plan to get back on track with the loan people, he just needs to scrape together some money. Which means he needs a job. Which likely means he needs a car. You can see how this goes.

^-.-^

[Boozy]

Yeah, I understand the dilemma. It's too bad that nothing could have been worked out with the loan company before this point. Once things get to the point of repossession, it's usually too late for negotiations.

[Andara Bledin]

Well, the loan people told him if he scraped some money together, they'd call off the hounds and give him something like 60 days to get the rest of what is overdue together.

I doubt it'll happen, but by that point, it'll cease to be my problem.

^-.-^

[Tanasi]

A huge host of reasons, the most important of which is that his girlfriend, who is employed (and whose job takes her all over the area, not just to the same location every day) still needs to get to work using the car. Without the mobility of the car, she has no job, which makes matters worse.

Even he acknowledges that the repo dudes will probably get the car sooner or later, he's just stubborn about it, and if it comes to fighting with him over letting them have the car, or blocking them from taking the car, I'm going to have to grit my teeth and side with him.

Frankly, I hope they're more clever than we think, and they get the car when we're not looking. Then it'll be out of my hands.

Personally I think you asking for a whole lot of trouble that isn't yours. Eventually they'll get the car and things will only get worse from there.

She actually has her own wheels, but due to Circumstances (largely relating to the deadbeat brother), it's 2 years out of registration, and driving it is therefore a risk in and of itself. But at least it's paid off. =>_<=

If they're not going to pay for the other car then they should put their money toward getting this car current. Maybe put the plates from one on the other for a while. I know that's against the law but maybe it'll get them by until they can make it right.

Not knowing these people personally, I can only hazard a guess, but supsect part of it has to do with "They started it". Anytime someone goes out of their way to be a prick, I have a tendency to become bullheaded and dig in my heels, for better or worse. In the OP's case, the repo man threatened their pets. It'd be a cold day in hell before I'd make this asshole's job easy for him.

I know a few recovery agents and they always say they try to recover the car the easy way first by calling and asking nicely. If they're cussed at, lied to or stood up then all bets are off. The person or people that truly started it was the debtors for not paying and/or making arrangements. The lein holders don't want the car they want the money and will usually work with the debtor.

As for why he's fighting to keep the car, it's because he needs the car to do anything. Plus, he has a plan to get back on track with the loan people, he just needs to scrape together some money. Which means he needs a job. Which likely means he needs a car. You can see how this goes.

^-.-^

I also think that you're needlessly inviting trouble and your brother should be ashamed for putting you in this/these situations (and I do believe I'd tell him so.) I'm thankful my brother wouldn't do this.