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i got a title loan on my car may 5-2012 and made 2 payments of 93.00 each one the 2nd payment was put in the mail slot on sunday night which made it 1 day late passed the 9 days of grace (which i explained i had an emergency and couldnt get there on that friday or saturday my daughter was in a hard labor with my grandson who was 2months early- so i told her i didnt feel i had to pay it -well i talked toher on aug 13th and she said she would ask her boss if i could not have to pay the 34.00 late fee and she would call me back no call back on monday or tuesday but come 3am 2 felon looking guys were hooking up my car and my husband asked them to leave they refused and still took my car which was making a horrible noise as they pulled it with it in park postion-probably breaking my transmission-well my husband hit one of the guys cause he came up to us and mind you never showed us any paper work also texas title never sent me a right to cure letter or even never told me on the phone monday the 13th that if i didnt pay the 34.00 they would pick up my car im taking them to court not because of my car its a little old its the principle of it all -the tow guy told me the next day that believe me mam your not the first person theyve done this to for such a little amount owed to the company-the next day the *** lady tells me i can get it back for 352.42 but if i didnt the next day it will be 682.42 they can keep it -but i am going to take them to court and see what the judge says of how they operate after reading all these complaints on this place im a more motivated to do this -never get a loan from this company they will find a way to *** and take your car .

Monetary Loss: $800.

Location: Bellevue, Washington

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Guest

Hey same thing kinda can u email me. Beatifulprincess69@***.com. thank you

Guest

Well In some states, this was an illegal repossession. A repo company can not repo a vehicle if the owner ask them to leave.

A repo company can not breach the peace during a repo. A breach of peace does not have to be a physical confrontation, but merely a verbal directive to leave.

Guest

I guess I don't see why you didn't think that you had to pay the late fee. If you didn't make your payment by the cut off (the being close of business before the end of the grace period) then you fail.

You are responsible for paying any debt you incur. Regardless of your emergency circumstances, did you not have an extra nine days to come up with your payment....not to mention the 30 you originally had to make it?

Two days should not make that much of a difference. You had plenty of time to make your payment and because you didn't, you need to deal with the consequences.

Guest
reply icon Replying to comment of Guest-590710

I worked for Texas Car Tittle and payday loan and I quit because I couldnt explain to the customers why the late fees why the balance wont go down and many others things. when I ask my manager she dont even know how to answer all that questions.

She said ""hat is the State who make the company work like that". But Regarding to the contract, the customers wont read what they are signing and there is the trick. One of the documents said that they can pick up your car if you make a late payment after the due date. The grace period do not exist...

and I saw many repo for only one day late payment and many other for more than 75 days late payment. It doenst make sense at all. But thats the way it is.

A lady called one time and ask how much is my payment? someone told her 125.00 when she came in the next day 156.00 then she left and came back with the 156.00 the next day, the payments was 135.00 is that make sence?

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