Problems acquiring title from my finance company to renew registration on my vehicle ?
Shana asked:
My finance company based out of California has refused a copy of my vehicles title on several occasions. The wouldn’t even fax a copy to the DMV saying that they are the lein holder so I could renew my registration. My account agent went as far as telephoning my grandmother telling her that I had the title transfered in her name making her financially responsible and that she had to pay 2 months payments in advance immediatly to avoid repossesion. My account at the time was spotless and I was 3/4 the way through payments. Are there any laws to force them to do so, if not, any suggestions on dealing with them?
Well my car was impounded for expired registration and for the impound to release the car to me I had to show proof of current reg. or a copy of the title. The finance co. wouldn’t release a copy of the title to the impound instead they gave me the option of once again paying 2 months payments plus a 295.00 fee for them to send a tow truck to get my car out of the impound and release it to me at the impounds front gate. This was after 3 weeks of my car racking up a 115.00 a day storage fee at the impound, which added up was quite a bill! A week later;thank god, the owner of the impound called appologizing for my unfortunate luck in getting the finance company that I did. He had delt with them and had even worse battles, which must have really left an impression because he waived all but the initial tow fee of 90.00 and released my car without title/current reg. the very next day. This is just a glimpse of what I have gone through. Someone has to know something I can do!
Heads Up Poker
My finance company based out of California has refused a copy of my vehicles title on several occasions. The wouldn’t even fax a copy to the DMV saying that they are the lein holder so I could renew my registration. My account agent went as far as telephoning my grandmother telling her that I had the title transfered in her name making her financially responsible and that she had to pay 2 months payments in advance immediatly to avoid repossesion. My account at the time was spotless and I was 3/4 the way through payments. Are there any laws to force them to do so, if not, any suggestions on dealing with them?
Well my car was impounded for expired registration and for the impound to release the car to me I had to show proof of current reg. or a copy of the title. The finance co. wouldn’t release a copy of the title to the impound instead they gave me the option of once again paying 2 months payments plus a 295.00 fee for them to send a tow truck to get my car out of the impound and release it to me at the impounds front gate. This was after 3 weeks of my car racking up a 115.00 a day storage fee at the impound, which added up was quite a bill! A week later;thank god, the owner of the impound called appologizing for my unfortunate luck in getting the finance company that I did. He had delt with them and had even worse battles, which must have really left an impression because he waived all but the initial tow fee of 90.00 and released my car without title/current reg. the very next day. This is just a glimpse of what I have gone through. Someone has to know something I can do!
Heads Up Poker
No related posts.
Related posts brought to you by Yet Another Related Posts Plugin.
Full Tilt Bonus Code
Not really sure about the laws in California but usually you just need your previous registration and proof of insurance (if required) to renew registration. About the payment thing and their call you can report them to the Better Business Bureau in your state.
Cereus Rakeback
Very weird. Call a consumer advocacy organization and explain to them what happened. I hate dealing with boneheads who think that they can get away with stupidity.
Poker Tips From The Pros
What you don’t say is whether you are actually the person on the loan. If the loan is in Grandma’s name, but you are the one making the payments, the finance company has no obligation to assist you. In fact, they may be doing the right thing by being cautious and contacting the person who is actually on the loan, to prevent identity theft and car theft.
If you are not on the account, you probably have zero rights and cannot sue them for anything. To avoid problems in the future, arrange with the finance company to “assume” the loan, putting your name on it, or refinance the balance with another lender, in your own name.
If you don’t have the credit to do this, don’t want to pay higher finance charges because of bad credit, or are hiding your assets for some reason, then you will have to live with the aggravation.
If you are the account holder, it’s a different story. You may be able to use your state’s or California’s unfair business practice laws in addition to suing them for breach of contract (their obligation to assist you in renewing registration). See a lawyer.