I have a car that I got from a lot that sales to people with my kind of credit "disability". The first car I got needed over $6000 in repairs and the title wasn't clear for sale, a Honda Accord no less, so the dealer offered to trade in the vehicle for another Honda. I was 4 days late for a payment and they repo'ed the car and charged me $250 to get it back the next day!(plus the car note). Something smells fishy and I want out! Can anyone help me on this one and oh by the way I can't afford an attorney.
2006-09-15 15:17:54 · 8 answers · asked by po8t1 2 in Cars & Transportation ➔ Other - Cars & Transportation
Just so you know, this is the first time I was late and I had this 2nd vehicle for 5 months.
2006-09-16 09:02:13 · update #1
you could check with the county legal aid office where you live. they may be able to help you.
2006-09-15 15:24:05 · answer #1 · answered by blksheep22001 2 · 0⤊ 1⤋
The dealer is holding the financing. You have, so it seems, a major problem with your credit history. Many times a buy here pay here dealer, who takes risks that a conventional lender will not, is not going to let a customer get behind on their payments, without taking action.
It sounds to me that you were late on your first or second payment, and din to contact the dealer to let them know that you would be sending in a payment. They repo'd the car. When a car is repo'd, there are charges and fees that are associated with the repo. If you read your contract, you are responsible for those fees.
Pay your payments on time, if possible try to get at least one payment ahead. This will help you restore your credit.
Good luck!!
2006-09-15 16:31:56 · answer #2 · answered by fire4511 7 · 1⤊ 0⤋
dude, crash that crap into something. Have the insurance pay it off and get a new car!!
Or on a legal note...........
look for a mistake in the paperwork. if it does not say "there is no kind of grace period and the car will be repoed after x amount of days". you may have something to go to the NEWS about. Matter fact, that is exactly what I would do. I would expose them. GO TO THE NEW and tell THEM how the car place is running it's business. And I bet there is someone you know that knows someone that sells cars. Go to a car auction and auction off your car you will probably get more for it than u paid. Pay that crap off in a day and get a new car!! even though a KIA is a piece of crap, it comes with warranty and a 10 day grace period on a 250/month payment.....sounds like that best piece of crap you could find. Be smarter than them, go get a BRAND NEW KIA SPORTAGE for less than that piece of crap, even with crappy credit!!! Good Luck!
2006-09-15 15:40:26 · answer #3 · answered by Adrienne H 3 · 0⤊ 1⤋
Tell your friends to take care of their credit. And make their payments on time. Tell them to learn something from you. Sorry, I can't give you any more advice than that.
Some states require that the dealer give you a 30 day warranty even on used cars.
2006-09-15 15:35:14 · answer #4 · answered by Papa John 6 · 1⤊ 0⤋
trade it ASAP/ or check to make sure they are reporting to the credit bureau. I have a similar car and I found out that after 7 months of paying on this high monthly charged car, that haven't been reporting that I even have the car. which means they are breaking the law and I can get out of the contract cause they are voiding the contract.
Look for them to mess up. Or trade it asap!!
2006-09-15 15:28:33 · answer #5 · answered by TunnTyme P 1 · 1⤊ 1⤋
If you can get a bank loan and pay them off you'll save alot in interest charges. Maybe a family member can help with co-signing the loan papers, as long as you make all your payments on time.
2006-09-15 15:26:52 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Check with your state's government website. See if there is a Lemon Law in your state. If there is, you can get your money back for the car and any repairs without having to hire a lawyer.
2006-09-15 15:26:07 · answer #7 · answered by Wait a Minute 4 · 0⤊ 1⤋
i don't think you can. if your late, they have the right to repo. the lemon law only works on new cars, not used. your only hope would be if the dealer has tried to decieve you and that will be hard to prove because he probably been scamming people for years and is good at it. GOOD LUCK!!
2006-09-15 15:32:54 · answer #8 · answered by Anonymous · 0⤊ 0⤋