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Can a lender hold your personal items once a car has been repossessed?


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2015-07-14 16:03:04
2015-07-14 16:03:04

Hold your PP?? NO, NO and NO. The MO??? Good question, I've not encountered it before. Call a local attorney for better advice.ASAP

The MO??? It was NOT in the car when you bought it sooo there is NO security interest in it. Doesnt matter whose name is written on it. You could have written the lenders name in your BIBLE and it wouldn't be theirs.


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They take out the personal belongings. This includes the tags. Check with the repo company or lender for that stuff back.

"YOU" dont, the debtor does. call the lender.

IF the ins. co. told the lender the policy was canceled, then you were in DEFAULT and the lender will repo.The lender and the ins. co. will have to get that straightened out.

YES,, CALL the lender and find out HOW MUCH it will cost to do so.

The LENDER keeps such records and will share them with you ultimately.

Buy a bus pass. Or get ahold of your lender and see what they want to get the car back.

If it has been repossessed the lender will usually stop all collection activities until the vehicle is disposed of through sale. It is unusual but the lender could decide to keep the vehicle but should they do that than they waive their right to a deficiency.

Drive it WHERE? They have to drive it to get to their storage lot. If you believe that they are driving it for personal usage, that is a question that isn't covered by criminal or statute law. The appropriateness of it will have to be determined by the lender that financed the car loan.

Yes, the business where the vehicle is located must allow the retrieval of personal items from the impounded vehicle, and is required to keep those items secured until they have been returned to the legal owner or the court rules otherwise.

You contact the LENDER. Very simple. Have the bank /lender fax the exact amount you need to pay and tell them you want the repo fees included in that number.

NO, the truck probably has been sold already and the lender got a repossessed title to sell it with. Of course they do make mistakes. LOL

Personal property you will most definitely be able to get back. A stereo, amp, and speakers, it is doubtful. These items have been affixed to the vehicle and are now apart of the car. But the ultimate decision will be up to the lender. Seems if you had been making the payments, your first priority, instead of buying expensive audio equipment you would not be in the fix you are in, right. Learn from this mistake.

Same as any other repossession, CALL the LENDER. Work something out.

NO, you PP should be returned. Call the LENDER and tell them you need to get your PP from the car. they should put you in touch with the repo co. so you can do so.

If a garnishment has been ruled against you in a judgment it can be collected no matter where you are.

You certainly can. Its illegal NOT to let you get your PP. There will be a charge for inventory and staorage of iy.

ask a cop to run the license plate on their computer If it is still in your possession, it has not been stolen and anyone who files a police report saying it has been is commiting a crime. However, if it has already been repossessed and disappears from the storage lot, it HAS been stolen and the lender or repo agent will report it.

In some states yes. In some state the lender is not required to give any notice at all before or after. In some states, the lender is only required to give you notice after the vehicle has been repossessed.

Each lender has their own way of disposing of a repo. Most will sale them at dealer only auctions. You can purse getting a used car dealer licenses from the state you reside and attending these auctions.

Can I get my personal property from the car if it has already been repossed without paying a fee?

Check state law, but here in Florida a company may repossess your vehicle but not keep any personal items belonging to you. They are entitled only to that property which is considered theirs due to lack of payment on the buyer's part. Keeping your personal items and refusing to give them back is considered theft. Only if they are not attached to the vehicle.

YES Yes, you owe them money or yes they owe me the title if it has been written off? Thanks for your help.

There is no set time. Once you have defaulted on your loan, and the lender takes possession of the collateral, it is theirs to dispose of as they see fit. That they attempt to sell it at auction is one means of off-setting the debt you created. They must notify you in most states within twenty-four hours that the vehicle has been repossessed, and they must make it possible for you to recover your personal property, but they are not required to store the vehicle for any length of time before selling it.

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