My question involves an auto loan or repossession in the State of: California
I was in contact with the creditor in December 2010. I was 30 days over due. I agreed to make a payment on 12/13/2010. With an additional payment two weeks later. On 12/15/2010 a repo guy showed up and repo'd my vehicle. I was allowed to clear out my vehicle and got a letter from the repossession company two days later. I called the next business day to ask why they took the vehicle after I had made the agreed payment. No call back. I called again the next day, still no call. I lived at the address the vehicle was repo'd and my mailing address never changed. I never received any type of correspondence from the credit union (letter, call or face-to-face). I was never advised to an auction of my vehicle either.
I have recently moved, I rent. We are now in a house that was recently purchased by our new landlord (a foreclosure) and I received a letter from the credit union on 8/18/2014, demanding a settlement offer or payment plan. Really almost 4 years later??? What are my legal rights and when am I considered un-sue able? The amount that they are demanding is $6000 less than I originally owed.
Thank you
:wallbang:
I was in contact with the creditor in December 2010. I was 30 days over due. I agreed to make a payment on 12/13/2010. With an additional payment two weeks later. On 12/15/2010 a repo guy showed up and repo'd my vehicle. I was allowed to clear out my vehicle and got a letter from the repossession company two days later. I called the next business day to ask why they took the vehicle after I had made the agreed payment. No call back. I called again the next day, still no call. I lived at the address the vehicle was repo'd and my mailing address never changed. I never received any type of correspondence from the credit union (letter, call or face-to-face). I was never advised to an auction of my vehicle either.
I have recently moved, I rent. We are now in a house that was recently purchased by our new landlord (a foreclosure) and I received a letter from the credit union on 8/18/2014, demanding a settlement offer or payment plan. Really almost 4 years later??? What are my legal rights and when am I considered un-sue able? The amount that they are demanding is $6000 less than I originally owed.
Thank you
:wallbang:
Repossession: When is My Statute of Limitations Up
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