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Lender's responsibility

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Junior Member
California Will try to make this as short as possible. My husband and I are separated. I now live in California, he's in Illinois. He agreed to help me out with car payments on a vehicle we purchased together back in 2000. When he got behind on the payments in August the bank notified me, I got in touch with him, and it was remedied. On 12/27/04 I walked out to get in my car and it was gone. I thought it had been stolen but was advised by the local PD it had been respossessed. My husband was 3 payments behind and he didn't tell me (not surprising), but the bank also did not notify me or give me any chance to make the payments. Since they notified me in the past, and have my address and phone #, I feel that none of this should have happened. My parents would have helped me out if that's what it took.. But--I had no chance to keep this car or save my credit, because the bank never notified me until after the fact, and of course then wanted all of their money. I am the co-borrower on the loan and feel the lender had some sort of responsibility to give me a chance to make the payments, but not a word from them. Then, after 4 weeks without a vehicle we came up with the $ to get it back, and I was told there "might" be storage charges.. Yeah, $1200 worth.... So, 6 weeks later I still have no car, and the worst part is that there are only 10 payments left on it and it has over 100,000 miles.. I truly feel the bank mishandled this and I shouldn't have to pay any storage fees. None of this should have, or would have, happened had they contacted me in writing or by phone regarding the payments. So, does the lender have any responsibilty when collecting a debt, as far as co-borrowers who live separately? (the bank was fully aware of the whole situation as my husband had been making the payments (sort of) since March of 2004, and talking with them regularly. What is the name of your state?

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