repoman

Doc Holliday

Ok Guys,
Lets hear how the repo laws and actions are in your area, have a friend like to see the differences?

He has a friend that just started a new job and had gotten behind on 1 payment and even tried to work with the company about it, well he had'nt heard anything back from them yet, when all of a sudden one night he heard this noise outside coming from his garage and he went out with the 45.
Well needless to say that the 2 young so-called repo guys got busted in the act and he didnt know if it was someone trying to steal his car and they was kept there until the PD got there.

They didn't have enough paper work to prove anything and they had to leave it and the company was to contact the PD before they was allowed to touch anything. As bad as a I hate to say it and don't mean to sound like I'm pointing out any one individual, but the so-called repo-guys around here are (Ignorant) I dont know about anywhere else.

1 This line of work is extremely dangerous and there should not be no repo guy, the creditor should just issue proper paper work to the pd and they come with a wrecker company and all is said and done, but they dont want to do it that way and rather put someone's life at risk.
2 They can NOT touch a vehicle that is in a closed garage or inside a posted fence area with gates without the approval of the owner.
3 It is a Breach Of Peace if they attempt it that way and the repo and creditor can is and more than likely subject to getting fined ect, and the creditor would lose the charges against the vehicle.
4 Study and Learn the laws in your area what you can and can not do before attempting things like this.

I've been hearing people talk about that show on tv, operation repo, I watched it and I think it is a joke.
Especially the one guy saying he uses his Marines skills and tactics,LOL, and that he not been out of the Marines very long, yeah right, with his size and weight anyone with Military background is gonna know this different right off hand.
I also seen a show where they maced a lady just for her giving them a mouth full, well if it wasn't for that being a tv reactment, what a lawsuit they would be facing for something of that nature when they lady never physically touched anyone... Rolling Eyes

Parkpiggy

What? My head hurts!!!

Doc Holliday

[quote:c1d8d4dcf0=\"Parkpiggy\"]What? My head hurts!!!

Posted: Sun 16-Nov-2008 09:49 Post subject: Re: repoman

[quote:589e7bb274=\"Doc Holliday\"]had gotten behind on 1 payment the creditor should just issue proper paper work to the pd and they come with a wrecker company and all is said and done

Posted: Sun 16-Nov-2008 10:07 Post subject: Re: repoman

[quote:47b7741d8e=\"NPS Ranger\"][quote:47b7741d8e=\"Doc Holliday\"]had gotten behind on 1 payment the creditor should just issue proper paper work to the pd and they come with a wrecker company and all is said and done

Posted: Sun 16-Nov-2008 13:43 Post subject:

Sounds like the vehicle was financed by one of the self financing outfits that retain the title until the vehicle is paid off. They seem to service a lot of people who are financially qualified to thumb a ride to town from their house with the NINJa mortgage.

Posted: Sun 16-Nov-2008 19:23 Post subject:

Many contracts \"Agreements\" state pretty much that they can take possession the second you fall behind. Many do not do that, but lately with the way things are...its becoming more common. There is usually a pretty big difference on loan paperwork on this depending if its from a large finance company, or a smaller or local one. Its the smaller ones that tend to be more agressive. We had an unoffical policy at the PD to drill it into the heads of repo guys to stop in the PD and/or call us before they hit an address. The better ones would stop in and drop off a copy of their paperwork. For the ones that came in from a distance, and if we call a 911 call about it... usually it was a \"suspect at gunpoint\" a 0200 situation, and afterwards word got around and then those guys would show up at the PD with paperwork. It was a civil matter, and as long as the car was on the street, it was fair game. Once they actually came on the property, the owner could go forward with tresspassing charges....and if they annoyed us enough we could take them on a BOP charge for the 911 call. State law did state that they had to notify us within 24 hours of taking the vehicle, which some waited until the last second to do. Others would call us after they jumped on the highway (and they still got an ear full from the dispatchers about not calling before hand). If you know your behind and in danger, keep it in a garage with the door closed. If you really want to piss off the repo guys, call 911 and press charges. However, you ARE being in payments...so really its all your doing and I'd doubt that procescution would go too far.

Posted: Sun 16-Nov-2008 21:02 Post subject: Re: repoman

[quote:84141767fe=\"NPS Ranger\"][quote:84141767fe=\"Doc Holliday\"]had gotten behind on 1 payment the creditor should just issue proper paper work to the pd and they come with a wrecker company and all is said and done

Posted: Mon 17-Nov-2008 01:06 Post subject: Re:

[quote:c2a9990794=\"Franz�\"]Sounds like the vehicle was financed by one of the self financing outfits that retain the title until the vehicle is paid off.

Posted: Mon 17-Nov-2008 08:33 Post subject:

It was a great movie. I know that some wrecker companies do it on the side, but I pretty much hold repo men in the same esteem as bail bondsmen. Somebody's got to do it. They really really need to let the PD know what they are up to, I've gone full felony stop a couple times when they haven't and the car has been reported stolen. But I guess they aren't likely to notify us, seeing as it isn't that unusual for cops to get behind on payments for cars they couldn't afford in the first place.

Posted: Wed 19-Nov-2008 13:10 Post subject:

A good site to go to for repo information is Repolaws.com. I would recommend contacting WV DMV or your state Attorney General's Office and asking them what the laws are. A lot of times, a repo company will notify the local PD and will sometimes ask for an escort to go with them when they take possession of the vehicle. As for them going in to the garage to retrieve the vehicle, in some cases it may be permitted if it is a clause in the loan agreement. Laws vary from state to state.

Posted: Thu 20-Nov-2008 07:37 Post subject: Re:

[quote:5892dd77c6=\"QualityLights\"]A good site to go to for repo information is Repolaws.com. I would recommend contacting WV DMV or your state Attorney General's Office and asking them what the laws are. A lot of times, a repo company will notify the local PD and will sometimes ask for an escort to go with them when they take possession of the vehicle. As for them going in to the garage to retrieve the vehicle, in some cases it may be permitted if it is a clause in the loan agreement. Laws vary from state to state.

Posted: Thu 20-Nov-2008 09:55 Post subject:

Many departments will not escort repo's anymore. I know that several departments got \"jacked\" in court by the vehicle owners (not the finance company) due to the police presence. The owners felt that due to officers being there with the repo people, that they were compelled to turn over the vehicle. The owners sued the police department, and won.

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Posted: Fri 21-Nov-2008 08:57 Post subject: Re:

[quote:5ec40319b8=\"Pj\"]Many departments will not escort repo's anymore. I know that several departments got \"jacked\" in court by the vehicle owners (not the finance company) due to the police presence. The owners felt that due to officers being there with the repo people, that they were compelled to turn over the vehicle. The owners sued the police department, and won.