Hard times keep car repo man busy

Full story: Hartford Courant

Tony Atkins is reflected in his rearview mirror as he programs a GPS navigation unit for the next location he'll go to on his bank clients' list for repossession.
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t-miami

Miami, FL

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#1
Mar 27, 2009
 

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My wife, a ph.d, just had her car repossessed. She fell behind because she lost her teaching job due to a prolonged and very painful eye condition, scleritis, where your eye turns bloody red and very painful and light sensitive. While there was a statement in this article saying that Atkins had "little sympathy for people who are months behind on their payments..." , he has little knowledge of what a hard working person my wife is and how difficult is was to watch her suffering that illness and then having her car towed .
I think he is also trying to assuage his own guilt about what
he does for a living.

I would just like to comment on some of the issues surrounding the redemption of our vehicle. A little embarrassing but I went and got a loan from my Mom and sister and paid off the loan - completely. There wasn't much left to be paid anyway.

The repo firm guarded their location until I had paid the loan. Then, I had to set up an appointment to go get our car. This business was in a filthy trailer in a big electically fenced impound yard in the next county. There should be laws about how far they can tow your car. The minimum wage girls in the trailer were naturally as rude as you might expect having all day dealt with people that have had their cars stolen. You may argue with that term, "stolen", but when 90% of the loan is paid, that, in my opinion is just what it is. They of course require exact change in cash and the woman told my wife she was $5 short but she didn't look in the envelope to see that 5 of the 1's were folded differently not extending to the end where they would have been easily grabbed with the other bills.

This place would only let my wife , the car owner, inside the compound. She is going in to sign a legal document or two but you cannot have legal representation or a mechanic to make sure there is no damage.
I understand they are concerned about security but I would question the legality of forcing someone to sign a legal document if they wished to have representation. Hire a security guard.
They drove my car about 20 to 30 feet away from my wife where she could view it through a window and told her to sign that the vehicle was in the same condition as when they towed it and to hold them harmless...blah blah blah. The won't let her inspect the vehicle i.e. look at all sides, look under it etc. but they want her to sign a document that the vehicle is in the same condition ... HUH! They scribbled a few things like "clothes", "cd's", "toys", "music" in the worst 3rd grader handwriting possible and called that something like a personal inventory and charged about $65 dollars for that. Nice work if you can get it. They tried to make some excuse how they need to do the inventory right away when I suggested they should not even bother opening the car for a day two in case the owners come get it. Nahh, they don't want to miss a chance at doing a 10 minute inventory for $65 bucks. The repo fee itself was $375 and the storage about $29/day. Oops, left out the $50 redemption fee...what the hell is that ?

There need to be serious regulation on this industry:
- The fees that can be charged
- Specific state forms for legal issues and inventory
- Allowing legal representation and mechanical inspection at redemption
- waiting period before inventory, to prevent unnecessary fee generating inventory of personal items.

- distance the car can be towed, this might generate extra mileage fees or something and places unnecessary hardship on the car owner.

I am sure I could think of more but it's a start.
Jennifer Babcock

Catawissa, PA

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#2
Apr 4, 2009
 

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Who was the repo company?
Loyal Recovery Agent

Dallas, TX

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#3
Apr 19, 2009
 

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If you don't want this to happen to you. Its simple pay your bills. This is no ones fault but yours. Read the fine print before buying any type of vehicle. Understand the fine print before signing. If you default upon payments. Lien holder has the full right to have vehicle recovered. Upon the detbors expense. This industry is regulated by The Department of Agriculute and consumer Services
The repossessors job is just to recover unit. We could careless of your story. Everybody has one. Nothing new in this business. Again if you don't want this to happen to you. Just make the proper arrangements. So you'll never have to find yourself in this situation. Have a great day.
Danielle

Centreville, VA

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#4
Apr 20, 2009
 

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Luckly here in Maryland the laws are a bit different. I was charged $75 by the repo man who took my car just to get my personal possessions from my vehicle. That happens to be illegal here in Maryland. I guess he just thought I was dumb enough to take it, but I called my lawyer and we settled the problem and it put some extra cash in my pocket. It was actually reposessed due to a 4 week lapse of insurance that had occured 5 months before the car was reposessed. Come to find out, it never lapsed. I had switched insurance companies and the new form never made it to the MVA which reported it to my creditor. Also, unfortunately there are not many laws stating just how far they can take your car. Be thankful "t-miami" yours was taken to the next county... mine was taken all the way to Virginia and had an extra 500+ miles on it when i retrieved it. They must have taken the long way there. Oh but wait the repo man charged me for gas for transport... suuuuure buddy. Either way I have had everything Documented and I have a lawyer. I will get my money back, which ended up costing $2200 not including the gas I had to pay to travel 170 miles to fredericksburg to pick up the car. Luckily I had an oil change the day it was repoed and I have certification of the mileage. So with that being the case I am going to stick it to em'. The most important thing for you to do if your car is repoed is to COVER ALL OF YOUR BASES. If you know they are coming, make sure you keep track of the mileage with an honorable witness, write down all serial #'s of the equipment, i.e. stereos, dvd players, speakers. And for god's sake do not keep anything of value in your car. They will take it and there is nothing you can do about it. Repo companies are thieves and you know it "Loyal Recovery Agent" ROFLMAO... is that actually what you call yourself now. hmmm recovery agent, like your important to the world. All you are is a guy with a truck and a piece of paper who takes all the bs from big corporate companies. And being willing to walk into a possible life threatening situation to recover a vehicle that may be worth no more than $5000 does'nt make you more of a man or woman, it just makes you stupid. But thats just common sense.
USSA

Scranton, PA

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#5
Apr 20, 2009
 

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Why don't you whiners pay your bills on time then you won't have to worry about the repo man coming to haul away your vehicle. So typical in today's society; it's always someone else's fault.
juan

Girard, OH

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#6
Apr 20, 2009
 

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t-miami wrote:
My wife, a ph.d, just had her car repossessed. She fell behind because she lost her teaching job due to a prolonged and very painful eye condition, scleritis, where your eye turns bloody red and very painful and light sensitive. While there was a statement in this article saying that Atkins had "little sympathy for people who are months behind on their payments..." , he has little knowledge of what a hard working person my wife is and how difficult is was to watch her suffering that illness and then having her car towed .
I think he is also trying to assuage his own guilt about what
he does for a living.
I would just like to comment on some of the issues surrounding the redemption of our vehicle. A little embarrassing but I went and got a loan from my Mom and sister and paid off the loan - completely. There wasn't much left to be paid anyway.
The repo firm guarded their location until I had paid the loan. Then, I had to set up an appointment to go get our car. This business was in a filthy trailer in a big electically fenced impound yard in the next county. There should be laws about how far they can tow your car. The minimum wage girls in the trailer were naturally as rude as you might expect having all day dealt with people that have had their cars stolen. You may argue with that term, "stolen", but when 90% of the loan is paid, that, in my opinion is just what it is. They of course require exact change in cash and the woman told my wife she was $5 short but she didn't look in the envelope to see that 5 of the 1's were folded differently not extending to the end where they would have been easily grabbed with the other bills.
This place would only let my wife , the car owner, inside the compound. She is going in to sign a legal document or two but you cannot have legal representation or a mechanic to make sure there is no damage.
I understand they are concerned about security but I would question the legality of forcing someone to sign a legal document if they wished to have representation. Hire a security guard.
They drove my car about 20 to 30 feet away from my wife where she could view it through a window and told her to sign that the vehicle was in the same condition as when they towed it and to hold them harmless...blah blah blah. The won't let her inspect the vehicle i.e. look at all sides, look under it etc. but they want her to sign a document that the vehicle is in the same condition ... HUH! They scribbled a few things like "clothes", "cd's", "toys", "music" in the worst 3rd grader handwriting possible and called that something like a personal inventory and charged about $65 dollars for that. Nice work if you can get it. They tried to make some excuse how they need to do the inventory right away when I suggested they should not even bother opening the car for a day two in case the owners come get it. Nahh, they don't want to miss a chance at doing a 10 minute inventory for $65 bucks. The repo fee itself was $375 and the storage about $29/day. Oops, left out the $50 redemption fee...what the hell is that ?
There need to be serious regulation on this industry:
- The fees that can be charged
- Specific state forms for legal issues and inventory
- Allowing legal representation and mechanical inspection at redemption
- waiting period before inventory, to prevent unnecessary fee generating inventory of personal items.
- distance the car can be towed, this might generate extra mileage fees or something and places unnecessary hardship on the car owner.
I am sure I could think of more but it's a start.
If your wife REALLY has this eye condition I don't her driving around. She is going to kill someone. I feel the repo man did us all a favor. Hundreds of people are alive today because they took her car. THANK GOD for the REPO MAN.
bukkake

Moscow, PA

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#8
Apr 20, 2009
 

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I love how everyone who has their vehicle repo'd has a story behind it. "It was not my fault, i didnt know the payment was late, my wife has a bad eye" blah blah blah. Pay your bills and the repo man will not come and see you. When you buy a vehicle and finance it you sign a contract.
Drew

Allentown, PA

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#9
Apr 20, 2009
 

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If these sob stories are indeed true I do feel for the people involved, however, not to the point where they are immune from contractual obligations. What people don't seem to realise is that if you fail to make payments on a credit card or any type of financing you are essentially a thief.
carrie

Rosedale, MD

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#10
Jun 22, 2009
 

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u people are ridiculous! Just because someone has there car repossessed doesn't mean they don't pay there bills! some people don't have a nice little nest egg to cushion themselves with in case an emergency would arise and that is how they tend to run behind! I say don't judge a person till u walk a mile in there shoes! nothing in life is a guarantee unexpected emergencies happen and once they due it's a spiral effect onto everything else! No one on here is saying that they do not feel they need to pay there "contractual obligations" they were stating that how they felt the repo men basically are crooks and try to rip u off!
Doug

Severna Park, MD

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#11
Jun 23, 2009
 
Drew wrote:
If these sob stories are indeed true I do feel for the people involved, however, not to the point where they are immune from contractual obligations. What people don't seem to realise is that if you fail to make payments on a credit card or any type of financing you are essentially a thief.
That is the old way of thinking. Today it is perfectly acceptable to walk away from your debts, even if you made poor decisions. Not thief, but fad. Get with the times, overextend yourself to help the economy then move on to let others deal with it.

If they followed today's game plan, before they fell behind on this car payment, they should have bought another car to take advantage of the deep discounts, then stop making the car payments on the first car but continue to enjoy it until the repo man took it.
Mariah

Elkhart, IN

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#12
Jul 16, 2009
 

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I will laugh when you idiots fall on your faces from the plan of our beloved Commander and Chief. You all deserve the heartache it will bring you. Just a bit of a note to those getting their vehicle repo'ed. You do not have to hand over any vehicle that is on your property.

Ask them to leave if they do not call the police. They are trespassing and file charges.

Then you can return the vehicle yourself saving yourselves the repo fee's or come up with the money that is due.
Charles

Glen Burnie, MD

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#14
Jul 23, 2009
 

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To :Loyal Recovery Agent. You worte. If you don't want this to happen to you. Its simple pay your bills. I see that your an ASS HOLE. How can you pay your bill when you have lost your Job. What rob a Bank. If that is the case what is you name and address so when the police come calling. We can give them your name and address and you said to rob a bank. So what do you care you have a Job. Stealing peoples cars. So you go out and steal a car for non payment and that person needs the car to go and get another job or gets a new job and has not got a pay check yet. So now they have no way to get there are you going to pick them up to take them to there Job. Probley no and I now not my problem. But just to let you know my truck is paid in full.
Head Hunter

United States

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#15
Oct 18, 2009
 

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USSA wrote:
Why don't you whiners pay your bills on time then you won't have to worry about the repo man coming to haul away your vehicle. So typical in today's society; it's always someone Else's fault.
You must be loaded with government checks or some bull shit like daddy was rich and left it to you. look around buster it's the governments fault do you think the people sent all the jobs to Mexico? do you see the people getting any of the billions the world banks just approved for there self? Now they have hung the dept on the people again. When your living under your parents roof I guess you can make stupid comments like you just did.
mario kenny

Miami, FL

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#16
Oct 18, 2009
 

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The repo man cannot get my car, I have then locked up in the enclosed garage, they have come several time to try to get my cars by big shows of force, they brought the police once but I did not give up the cars as they did not have a court order. The order they had was a fake and did not have the authority of a judge or the court. I live in FL so everything is done by the court and a judge. I am finding ways to fight back and win it has been 2 years and running I refuse to pay any bills at all. The banks have made off with millions so I want my piece of the robbery, that is how simple I regard this issue.
Doug

Castro Valley, CA

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#17
Oct 19, 2009
 
mario kenny wrote:
The repo man cannot get my car, I have then locked up in the enclosed garage, they have come several time to try to get my cars by big shows of force, they brought the police once but I did not give up the cars as they did not have a court order. The order they had was a fake and did not have the authority of a judge or the court. I live in FL so everything is done by the court and a judge. I am finding ways to fight back and win it has been 2 years and running I refuse to pay any bills at all. The banks have made off with millions so I want my piece of the robbery, that is how simple I regard this issue.
Good for you. The banks have raped this country and nothing has changed. BANKS SUCK!! They provide no creative value and entice people to borrow beyond their means so they can be indentured servants.
Joe Mattera

Allentown, PA

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#18
Oct 20, 2009
 
Mariah wrote:
I will laugh when you idiots fall on your faces from the plan of our beloved Commander and Chief. You all deserve the heartache it will bring you. Just a bit of a note to those getting their vehicle repo'ed. You do not have to hand over any vehicle that is on your property.
Ask them to leave if they do not call the police. They are trespassing and file charges.
Then you can return the vehicle yourself saving yourselves the repo fee's or come up with the money that is due.
Doesn't work that way.
Like lightening, repo man takes the path of least resistance.
they come at night. If they see lights on or some other activity they move on to the next job then return to your place while you're sleeping. You never get a chance to "ask" anything.
Gotta sleep sometime.

You have to seriously behind in payments to even be considered for repo. If times are tough, call your lender and work it out.

Try paying cash for what you want.
When you "finance" something, you don't "own " it.
Not until the final payment is made to the lender.
Until such time that your "financed" purchase is "paid off".
You're virtually "renting" whatever object you have financed and I don't like that idea which is precisely the reason I haven't had a car payment in 15 years.

Oh. If you want to yell that repo man repossed your car that was parked on private property, that's ok, your lungs need exercise too.
Joe Mattera

Allentown, PA

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#19
Oct 20, 2009
 
mario kenny wrote:
The repo man cannot get my car, I have then locked up in the enclosed garage, they have come several time to try to get my cars by big shows of force, they brought the police once but I did not give up the cars as they did not have a court order. The order they had was a fake and did not have the authority of a judge or the court. I live in FL so everything is done by the court and a judge. I am finding ways to fight back and win it has been 2 years and running I refuse to pay any bills at all. The banks have made off with millions so I want my piece of the robbery, that is how simple I regard this issue.
You can keep the cars locked up.
As soon as you go to the grocery store,church, work, hardware store or anyplace else, they'll snag those cars.
Takes repo man all of 30 seconds to hook-and-go.

You want to spend your life running, hiding and looking over your shoulder go on and do it.

Very honorable.
Joe Mattera

Allentown, PA

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#20
Oct 20, 2009
 
USSA wrote:
Why don't you whiners pay your bills on time then you won't have to worry about the repo man coming to haul away your vehicle. So typical in today's society; it's always someone else's fault.
It's easy to blame others for your own shortcomings.
this is society today, full of welfare receipients.
mario kenny

Miami, FL

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#21
Nov 12, 2009
 
Not so Sir, they will not follow me i have done the correct legal things to make sure they never get me. I do not look over my shoulder at all, as a matter of fact they came some months ago with 3 tow trucks and the police and I made them all leave my property.

You see you must read the Fair dept Collection Practices act and learn how to defend your rights, the ones given to you in the constitution.

Coming are the days when most of the people will not be able to pay the bills and I will not walk, many of the companies got TARP money,Credit Default Swaps, tax write offs, and investor write offs, by way of loss of value of certificates. So in reality my car note has been paid, and it will not come to court.

If the repo man takes my car he will pay in federal Court. Today they are selling the cars of equal kind, for far less than I have paid them already, plus I have paid them all that I purchased the car for, its the interest, and other fake fees, and I consider this to be greed.

Are you doing the financial morality thing on me?, well sorry I have none. come to my blog at www.mariokenny.wordpress.com
Joe Mattera wrote:
<quoted text>
You can keep the cars locked up.
As soon as you go to the grocery store,church, work, hardware store or anyplace else, they'll snag those cars.
Takes repo man all of 30 seconds to hook-and-go.
You want to spend your life running, hiding and looking over your shoulder go on and do it.
Very honorable.
My Experience

Cockeysville, MD

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#22
Nov 13, 2009
 
I had to deal with a pair of repo men when they came to get one of my employees cars.

They would not identify themselves so I told them to come back at 4:00 when my worker returned to the yard. They left but snuck back into my yard and hooked up the car and proceeded to side swipe one of my service trucks and then drive their tow truck into the storm water ditch. I contacted the police and they came out and it turned out that the tow truck driver had a warrant out for his arrest. They hauled him away and left me with a two hour mess getting this tow rig out of the ditch with an excavator. The other guy could not drive the tow truck because he could not drive a stick shift, he put me in touch with his boss who asked me if I could just move the truck out into the parking lot with my employees car still attached. I asked him about the damages to my service truck he said that he had know way of knowing if the damage was pre existing! So I had the other repo guy unhook the car so I could pull the tow truck out and when he did I pushed the tow truck out with the excavator and accidentally smashed the controls to operate the tow truck.

When he pointed out the damage I told him I had no way of knowing if the damage was pre existing!

What a bunch of dumbass's if they had just come back at 4:00 none of this would have happend.

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