How can a auto lender report you if they never paid the car lot in full?
355625
Heaven don't listen to all these so called experts.Go to creditease dot net  n They can truly help.Remember that a contract is only legal if it is executed legally.Click the link below for help
1008568
i think any late payments dont show up on car credit.. im really not sure but good luck with getting a new car :)
740925
Yes you can, but probably won't be paid any damages.  If you did not make the payment, even if it was because of a hurricane, it was late.  I know that some banks gave some special consideration to hurricane victims after Katrina and Rita.  Did you call your lender after the hurricane?  I would write them to explain the circumstances and send a letter to the credit reporting bureaus.  You may not be able to do much else.
1139182
In all probability you did in some way. If you were on the Internet and filled out an application, or a car dealership to win a prize of some sort, without your knowledge and in small print you authorized some agency to get a credit report for them\n\nCall them and see if you can remember any of them in some way or the other.\n\nYou may write a letter explaining that you were not aware that they were going to run your credit report. Some bureaus will take them off, but most will not.\n\nThe longer they stay on your credit report the less they affect you in any way.\n\nYou have to be careful about paperwork you fill out especially for prizes and gifts that are offered to you. Most of them want to run your credit report so they can offer you something to purchase. \n\nI hope this has been of some use to you, good luck.\n\n"FIGHT ON"
272987
What specifically are you looking for?\n\nAs long as the creditor went to court and got a writ to repo your car, there isn't much more you can do.
693064
Most auto lenders are beacon score driven. You should order your credit report first and see where your scores are.\nKnowledge is power in financing, know your weaknesses and your strong points. If you have had previous installment credit that was paid well, then you will most likely be fine in your search for a fair deal. And remember it isn't the deal you got, it's the deal you thought you got.\nBy the way, dispute those collections.............
114136
As far as I know you will have to pay the fee.\n\n Also be careful 7 months!!!  They could end up selling your car after a while.  Go to the impound lot and see what their policy is.  \n\nIf the people at your apartment complex towed your car illegally you can probably sue them in court, but you are going to need proof.  \n\nIf you were in the wrong though, there is nothing you can do, but pay the fine.
839686
I'm sorry about your string of bad luck. Let's take these one by one.  Insurance should cover part of the cost of the stolen car.  As to ebay, how did you pay? Paypal is supposed to deal with this sort of thing, as is your credit card--not receiving the goods paid for constitutes a "billing error" and you can file a complaint with your credit card company, if you used one.  If you paid with a money order or check, then you should still notify ebay, but also contact the State or District Attorney or consumer protection agency where the car seller is located, as what the seller did can constitute criminal theft. as well as fraud.  The house is a different matter:  why did you go to settlement if you didn't want to?  Why did you sign a contract to buy that house if you didn't want it?  I think you might be stuck on that one, I don't see fraud there based just on what you wrote here.  Besides, even if you don't like the house , you got a valuable asset for your money, and you can always sell it later and make a profit.
808926
Send them a letter via mail return receipt requested stating that the money is not owed and the reason why. If you have a receipt showing that you already paid the debt.  Inform them if they do not cease harrasing you, you will (1) report them to the better business bureau and any other state agencies that deal with unscrulous debt collectors and (2) institute a claim under the fair debt collection practices act, and you will seek treble damages. Request they send you a letter stating that you do not owe them any money.
603805
Account goes delinquent and the lender decides that the borrower will not pay, so they engage a recovery agent to repossess their collateral.  The timeframes for notice are state specific, but usually 20 days notice is required.  Once the lender has repossessed the collateral they will allow you to retrieve your personal possessions and give you written notice of the amount required to retire the debt.  You MAY be able to bring the account current, pay the recovery and storage expenses and get the car back, but it's up to the lender...they can require you to pay the entire balance.  After the required time period, often as little as 10 days, the lender will sell the collateral, usually at a dealer auction.  After the sale amount is applied to your balance, the lender will notify you in writing about any deficiency balance owed.  There is almost ALWAYS a deficiency balance.  You will have time to pay the balance in full or make payment arrangements.  If you don't pay or make arrangements, the lender may file a judgment against you.  Depending on your state of residence, they may try to garnish your wages.  At any rate the repossession will be on your credit report for 7 years.
498208
There are laws concerning repossesing vehicle, but the laws generally deal with who can do the repo-ing and when they do they have to report it to the police. (This varies by state, check your local laws to be sure.)\n\nAs far as when the company can reposses, you will have to refer to your contract. Most auto finance contracts state specifically when collection and/or recovery efforts can take place.\n\nMost contracts state that when you are late (even 1 day), you are in default (you didn't hold up your end of the bargain). Most of the time, any time you are in default, the company reserves the right to recover the vehicle. This is a very good reason to READ THE CONTRACT BEFORE YOU SIGN IT.\n\nThe good news is that the finance company really doesn't want your vehicle, so they will work with you, most of the time, to resolve defaults. Most finance companies offer "skip a payment" plans, or something to that effect so that if you know you are going to have a problem with one payment, you can call them up and ask to put that payment at the end of the contract (this will cost you more in interest).\n\nI would guess that if you are current on your payments, they will not come and take your car. But, you could always call and ask them to be sure.
711678
The dealer or bank will promise you that it won't go against your credit if you voluntarily turn it in, but he will be lying to you. It affects your credit just the same as an involuntary repossession.
286619
I had  a repo several years ago and I even had two checkings and a savings account.They auctioned  off  the vehicle and go less than what I owed.I told them to kiss my *** and they did I,I never heard from them again !!
837807
they should send you a paper that states wo to call or where to write if you had and property in the vehicle. seems unfair they should have to at least mail it to you but nope you have the burden of getting it back wherever it may be. they will also include a day and time that they will auction off the vehicle so you can have a chance to buy back. also just in case noone told you you will also be responsible for the amout of the loan over that of which they auction the vehicle off for.
863159
There are two options with this. Your account was given back to the original creditor or another \ncollection agency has taken over the accounts.\nCheck with the company you owe the money to. If they\ndon't have the account you can either keep quiet and\ncross your fingers that the account has been lost or just wait and see if another collection agency\ncontacts you.
530230
I would get a letter from your car loan company saying they F-Up for your records so if this ever bits you in the butt you have something in writing of what happened.
657164
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.