Was my vehicle repo'ed un-lawfully

[ceezo]

What is the name of your state (only U.S. law)? Arizona
First off I paid off a repo (that I believe was unjustly taken) in full through a collection agency NORTHEAST COLLECTION BUREAU At the time (2/7/17) I paid it off they said they would remove the account from my credit report. They were representing Exeter finance who's response was we don't know who NCB is we deal with Fairfax so you need to deal with them regarding this account. Fair enough - Fairfax sold the account to DNF associates who then sold it to NCB. I was told the account would be removed from my credit report - It hasn't nor do I think it will after numerous attempts to dispute with the 3 credit agencies. That's complaint number one - Complaint number two that I'm more upset about is at the time of the repo I was going through a rough time with my wife. She was living in AZ and I was in FL living and working on a project. During that time payments fell behind (2 months) and SHE called Exeter to come and get the vehicle. Problem is her name was not on the loan agreement nor did they have any business picking up the vehicle at her request. I called Exeter and they could not provide any evidence that they tried to call me personally, all the conversations they had were with my wife. I did not find out about all this until it was well over with. I also spoke with someone in their repo dept and they said they sent a letter to an AZ address explaining the loan was in default and they had the right to repo weather it was volunteer not. By AZ law they said that's all they are required to do. I researched it and yes that is true but you must sent the letter to the state where it is registered which was Florida. I just want this off my credit report.

 

[FlyingRon]

You've got no standing to force the information off your credit report. You agreed to make payments on the loan. You didn't. That itself is going to be reported. The repo is reported as well, and it happened, so there's no "correction" here. Just because you paid things off doesn't meant hey have to take things off the credit report. In fact, third party debt collectors are scum. I suspect you were misled into believing that would happen, but the sad fact is, it didn't and there's not much you can do about it.

There's nothing in Arizona law that requires they give you notice of the default or reposession. All that notice stuff applies to what happens AFTER the repossession.

 

[ceezo]

You've got no standing to force the information off your credit report. You agreed to make payments on the loan. You didn't. That itself is going to be reported. The repo is reported as well, and it happened, so there's no "correction" here. Just because you paid things off doesn't meant hey have to take things off the credit report. In fact, third party debt collectors are scum. I suspect you were misled into believing that would happen, but the sad fact is, it didn't and there's not much you can do about it.

There's nothing in Arizona law that requires they give you notice of the default or reposession. All that notice stuff applies to what happens AFTER the repossession.

Is there nothing I can use here, like the fact my wife made repo arrangements with them without me knowing? Or would you suspect that's a totally different topic..I get the Collection scam - my bad.

 

[ceezo]

Results-

Stated my case/complaint with consumer finance CFPB and sure enough the lender agreed to remove my account from all three CB. Happy the Man!

 

[Zigner]

Is there nothing I can use here, like the fact my wife made repo arrangements with them without me knowing?

You knew you were late. The fact that she simply assisted in their efforts means nothing.

I get the Collection scam - my bad.

Scam? What scam?

 

[Zigner]

Stated my case/complaint with consumer finance CFPB and sure enough the lender agreed to remove my account from all three CB. Happy the Man!

I'm glad the lender decided to delete the items from your credit report, even though they were under no legal obligations to do so.