Neighbors advises if reposession

[Suze2017]

Missouri. My car was repossessed without notice at around midnight. Mu neighbor knocked on my door to let me know that....the person that came called out to her and said "oh don't mind me, I am a repo man." I find staring this to my neighbor was a defamation of character. He had no right to do that. She had not asked.

Also, I received no notification that my vehicle was to be repossessed. How can that be legal? They also did not allow me to get any belongings, including my work keys. That seems wrong to me. They should have notified me of the reposession not my neighbors. Do I have any legal recourse. Also just made a payment 2 weeks ago.

 

[Ohiogal]

Missouri. My car was repossessed without notice at around midnight. Mu neighbor knocked on my door to let me know that....the person that came called out to her and said "oh don't mind me, I am a repo man." I find staring this to my neighbor was a defamation of character. He had no right to do that. She had not asked.

Also, I received no notification that my vehicle was to be repossessed. How can that be legal? They also did not allow me to get any belongings, including my work keys. That seems wrong to me. They should have notified me of the reposession not my neighbors. Do I have any legal recourse. Also just made a payment 2 weeks ago.

A) That is not defamation.
B) You don't need to receive notification.
C) If you were still behind they could have repossessed the car.
D) Contact the tow yard and you can attempt to get your belongings.

 

[quincy]

Missouri. My car was repossessed without notice at around midnight. Mu neighbor knocked on my door to let me know that....the person that came called out to her and said "oh don't mind me, I am a repo man." I find staring this to my neighbor was a defamation of character. He had no right to do that. She had not asked.

Also, I received no notification that my vehicle was to be repossessed. How can that be legal? They also did not allow me to get any belongings, including my work keys. That seems wrong to me. They should have notified me of the reposession not my neighbors. Do I have any legal recourse. Also just made a payment 2 weeks ago.

Defamation is the communication of false facts that injure a reputation. What the repo man stated to your neighbor was true. He was at your house to repossess your car.

When a car is being repossessed, there is (generally) no notification. The owner of the car might try to hide it otherwise.

You can make arrangements to retrieve your personal belongings from the car.

Good luck.

 

[Ohiogal]

Defamation is the communication of false facts that injure a reputation. What the repo man stated to your neighbor was true. He was at your house to repossess your car.

When a car is being repossessed, there is (generally) no notification. The owner of the car might try to hide it otherwise.

You can make arrangements to retrieve your personal belongings from the car.

Good luck.

She can try. It doesn't always work.

 

[quincy]

She can try. It doesn't always work.

The lender that repossessed the vehicle cannot legally keep any personal property left in the car at the time of the repossession - although anything that has been installed or attached to the vehicle becomes the property of the lender (like car rims).

Here is a Missouri repossession guideline (with sample documents) for those repossessing property: https://finance.mo.gov/Contribute Documents/repossession_guidelines_and_sample_documents_-_9-06.pdf

The laws on car repossession (and the anti-deficiency law) can be found in Missouri statutes, Title 26, Chapter 400, Article 9 (http://www.moga.mo.gov/mostatutes/Chaptersindex/ChaptIndex400.html)

There is a fictional book series written by W. Bruce Cameron - "Repo Man," "Repo Madness," "The Midnight Plan of the Repo Man" - that are funny and they provide a pretty accurate look at the job of repossessing vehicles. The books are set in Michigan, too, which is a plus.

 

[Ohiogal]

The lender that repossessed the vehicle cannot legally keep any personal property left in the car at the time of the repossession - although anything that has been installed or attached to the vehicle becomes the property of the lender (like car rims).

Here is a Missouri repossession guideline (with sample documents) for those repossessing property: https://finance.mo.gov/Contribute Documents/repossession_guidelines_and_sample_documents_-_9-06.pdf

The laws on car repossession (and the anti-deficiency law) can be found in Missouri statutes, Title 26, Chapter 400, Article 9 (http://www.moga.mo.gov/mostatutes/Chaptersindex/ChaptIndex400.html)

There is a fictional book series written by W. Bruce Cameron - "Repo Man," "Repo Madness," "The Midnight Plan of the Repo Man" - that are funny and they provide a pretty accurate look at the job of repossessing vehicles. The books are set in Michigan, too, which is a plus.

I don't disagree with you but that involves you knowing where the vehicle is located and being able to go there. Sometimes the lender will not tell you where it is located. You have to call the tow yard and sometimes they won't call back even if they have five or six different addresses on the internet.

 

[quincy]

I don't disagree with you but that involves you knowing where the vehicle is located and being able to go there. Sometimes the lender will not tell you where it is located. You have to call the tow yard and sometimes they won't call back even if they have five or six different addresses on the internet.

I believe in Missouri the one who tows the car must itemize the personal belongings found in the vehicle and notify the owner of the location where these items can be retrieved. To keep the items is theft and can be reported to the police as such.

 

[Ohiogal]

I believe in Missouri the one who tows the car must itemize the personal belongings found in the vehicle and notify the owner of the location where these items can be retrieved. To keep the items is theft and can be reported to the police as such.

Same with Ohio. But....

 

[quincy]

Same with Ohio. But....

There is some recourse, at least, if the personal property is withheld from the owner.