Complaint Repossession With Car In Washington
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FAQ
What Happens If the Repo Agent Doesn't Find Your Car? But if you make it hard for the repo agent to get it, then the creditor may use another method to get the car back, called "replevin." Replevin can be just as costly as a repossession, if not more so.
You may file a complaint with the Attorney General's Office either online via our File a Complaint page or by mail. The Attorney General cannot act as your private attorney.
No, a repossession agent may not do that. But, if the repossession company can't access your car because it is hidden, blocked, or locked up, your lender goes to court to get a replevin. Replevin is a court order compelling the collection of the vehicle. Repossession and replevin are different processes.
The creditor cannot commit a crime, use abusive language, enter a home without permission, or take an item if the owner physically resists; Cars can be towed from public or private lots; A car can be towed from the owner's driveway if no other car is moved, but a car cannot be towed from the owner's garage.
Dear Borrower Name: You are hereby notified that your description of motor vehicle, year, make, model and VIN #, was lawfully repossessed on Date because you defaulted on your loan with Credit Union Name. The vehicle is being held at location address of vehicle. be sold at public sale.
Trying to reinstate or redeem your auto loan typically has to happen within a short time period, such as about two weeks, so you could have your car back soon after it's repossessed. You may have to wait longer, perhaps several months, if the car is sold at auction due to the time of the auction process.
Police cannot repo a car. Only a lender has the legal authority to do that.
Ideally, you should start these negotiations before the repossession process. If you negotiate after repossession, however, you may be able to use any questionable actions by the lender during that process to help bolster your bargaining position.
Direct Dispute with the Lienholder: Even though the lienholder has refused to remove the repossession, consider sending them a formal dispute letter. In the letter, outline the timeline of events, provide evidence of the insurance payout, and explain why the repossession should not be considered a default on your part.
