paid car off 7-14-2005, this week the bank sends a notice that 1 of the checks ($3600.00) came back NSF. I never recieved an NSF check back. I have the title, & contract that states the loan has been paid in full. Now a year later they are saying that they failed to notify me & that I owe them this balance. Does my contract stand for anything?
204775
Oh come on.  Did your check bounce or not?  Are you trying to burn them on the technicality that you have a stamped piece of paper knowing your check never cleared?  \n\nIf your check never cleared, you owe them the money plus probably interest.  If you have paid them, send them a copy of the canceled check along with a copy of your stamped documents indicating you paid it already.
391235
Has the lien been reported to your credit?\nIf not, pay it off. If so, consult an attorney specializing in real estate.
470200
Whoah.  \n\nThe fact that her check bounced due to NSF doesn't mean she doesn't have the money or can't afford the house.  She could have requested a funds transfer from another account (IRA, 401K, savings, etc) into the account she wrote the check from that didn't make the cut-off time and the check hit before the transfer, or some other really valid reason.  Stuff happens.\n\nImmediately call up the escrow agent and explain what happened and apologize.  Have a certified check or money order in hand to replace the check that bounced and cover the fee with cash.\n\nEveryone has an experience where something really important gets screwed up.  You can pretty much count on the escrow agent or the seller having had such an experience that they can reflect upon and be understanding unless they are complete and total dicks.
122328
Kat,\n\nYou leave out some important details.  \n\nI'm going to assume from your comment that you don't have credit right now because you purchase everything in cash, right?  I did that when I was young.  Paid cash for my car and did't have a card.  Had $20,000 in the bank to put down for a mortgage.  They wanted to refuse my loan because I didn't have a credit history!  Lucky for me, they had a loan manager who had sense enough to look beyond a credit report.\n\nWhat about your husband?  Does he have a credit history?  Good or bad credit?  Remember that they will be looking at his score also if you both plan to be on the loan.  If he has good credit you may not even have a problem.\n\nAs the others mentioned, you need to build a credit history.   How long from the time you buy this car on credit, until you start looking for a home?  Credit Guru is correct, it won't help you much to pay it off immediately.\n\nHaving a big down payment for the home may impress the mortgage company into giving you the loan without an impressive credit score.  Worked for me.\n\nIf you really need the car right now, consider paying it off in cash when you buy it. Many car dealers will cut you a very good price if you are paying up front.\n\nBefore you go any futher, go to the link I supplied below. You are trying toimprove your credit score, so you need to understand exactly how they calculate it.  MYFICO is the folks to developed the scoring system, and their site has lots of information on establishing and improving your score.\n\nAfter your have educated yourself you can make better decisions on how you can proceed.\n\nI sure wish I had your problems. Wanna trade?
582181
First the many letters and statements showing you owed them money is a good start that you had some warning and should know something was going to happen.\n\nSo yes there was plenty of notice, it was called you knowing that you were not paying for it.\n\nNext it is often very dangerous to let people know you are going to repo thier auto, most try to physcially stop the repo man or hide the car and worst.\n\nSo yes you should have known they were going to repo, not an official notice but come on, what do you think they were going to do.\n\nAnd why are you mad and wanting to find something on a company doing thier job because you failed to pay for the truck like you promised.\n\nIt is your fault and you are bad at them?????
597991
Have you followed up with your lawyer? That might be faster than firing one and getting another. You could email him some message like 'I know you are really busy, and perhaps I should get my file back.'  However, I'd try just following up first.  Otherwise, ask what he/she thinks you owe them first, or you might find out he/she has incurred time behind the scenes that you will pay for and have nothing to show for.\n\nAlso, if you signed a contract, there might be something in there you need to take into account.
458256
Politely ask them to send you a copy of the contract, so that you may see it.  There is a possibility that they bought a contract from another company, and you do owe the money.  If they refuse, or you find that there is no contract, try contacting the three major credit reporting companies, and tell them what is happening.  Then if InPhonic reports a problem, they'll have your side of the story first.
445540
how long has this been? ... is she a missing person? \nshe disappears (oops moves) and even though you owe her money, you don't know how to contact her? \nthat doesn't sound right to me. \n\ncheck with the DMV though, a woman I know had a car left on her property and was able to get the title by declaring that to them.
319141
Do you mean NSF? As in Non-Sufficient Funds?\n\nContact your state's Department of Labor and file a complaint - immediately. The listing is in your local phone book government pages.\n\nAlso, start looking for a new job ASAP. One of the primary indicators that a company is about to fold is financial insolvency - and bouncing paychecks to employees is a very bad sign.\n\nGood luck.
594846
This is odd because the Title Insurance company should have known about any lien on the house and informed you when you signed the loan papers.  Anyway, it seems the seller wasn't truthful with you.  Any recourse?  Get a lawyer and find out.
36963
I can tell you from experience, bill collectors will call at any time and any day. \n\nCall them back and advised them you paid it. If there's a question about that, let them know you will send them a copy of the check once it has cleared (if it hasn't yet).
454174
What rd211 said. \nThe work on the car was not authorised by the owner, so she technically owns nothing to anybody... She can of course approve post facto, and decide to pay the bill, but unless she does, nothing compels her, and it's a matter between the mechanic and the ex. Also, since the car belongs to somebody who is not involved in the deal, the mechanic has no right to hold it as collateral for payment of the repairs. \n\nNo bill was tendered, and the object has been removed to premises others than the machine shop or the mechanic's customer parking space... technically, it can be regarded as a presumption of grand theft auto.\n\nA mechanic's lien is definitely a real estate intrument not normally applied to movable property... so odds are the claims ar bulls*it. Especially since taking such a lien is an involved process and I don't suppose its steps, such as serving the preliminary notice were followed.\n\nBut really, get a lawyer and the police on the case and get medieval on the machanic's and the ex's sorry asses, because it really looks like they committed conspiracy to steal that car.
506996
If you have a paycheck which is supposed to be for (say) Sept.01 - Sept.15, and it's for (say) 60hrs when you really worked 80 hrs, then you say that the last 20hrs you worked were unpaid.\n\nEven better -- show a list of all the hours you were paid for (say) 3months, and all the hours you worked for 3months.  Attach this to the form, and on the form itself just write "85 unpaid hours -- see attached".
174983
It probably means that a lien has been placed on your account.  The balance is the amount that is owed.
522700
You have a right to know what the over draft was and for how much. This sounds really funny to me. I wouldn't pay a thing until you get that information. If you send in the first check then you are agreeing to paying the $4500 and it will be near impossible to get out of that amount if you don't truly owe that much.
317697
You need to contact the company that financed the lease, they are the ones who will remove the lien.  They will send you a letter saying the loan is paid in full also.
571477
This is easy! Take the car back and tell them you expect a full refund. If the bank is changing the terms of the contract it is void. Meaning you never bought the car and all your money should refunded without question. Find a better dealership to deal with on your next vehicle. \n\nIn most cases if the dealership wants you to come back to do some bargining that means they had an error in their math and they short changed themselves. They want their money. This happen to my brother in law on and Audi TT. They screwed the numbers up and shorted themselves about $4000. He saw the error signed the papers and drove off. only to get a call 3 hours telling him he owed $4,000. He said sue me and hung up. They called him everyday politely asking if he would do the right thing and pay them the money and he refused. He told them all the years of getting screwed over by car dealers, it was nice to share in their joy of screwing people. I don't blame him.