by Guest » Fri Jul 16, 2010 01:32 pm
I took over the car payments from my sons father. He never provided with any reciepts or any thing showing that i have been making payments. He also did not provide me any paperwork proving that the car still has payments. What can I do?
Posted: Fri Jul 16, 2010 04:43 pm Post Subject:
UH . . . who are you making payments to? Not your son's father, I hope.
(Can anyone else see the follow-up post coming: I was making payments on a car to my son's father. He was supposed to send them to the loan company. Now they've repossessed the car. Can I sue them?)
If what I think has happened, you are in serious trouble.
He never provided with any reciepts or any thing showing that i have been making payments.
You should be making payments DIRECTLY to the lender, not through a third party such as "my son's father" (aka: my old boyfriend?). When you give money to that ***, he can do with the money as he pleases. And you should have received transfer of ownership (registered owner) papers from the DMV.
What? You "thought" he was going to give the money to the lender for you? You "thought" he was going to take care of the paperwork for you like he said? :roll:
I assume you still don't even have the car registered in your name, do you? If you did, the lender would have found out and would be hounding you for the missing payments, instead of hounding "my son's father". I'm sure he could care less.
We'll look for you on Judge Judy next season. At least there, since he's a man, and she hates men, you'll probably win. But be prepared to be made a fool of on national TV. That's her specialty . . . beating up on people who already realize they made a dreadful mistake.
Now that I've finished my thrashing, there are some things you might consider doing:
(1) You have to contact the lender and straighten things out with them so the vehicle is not repossessed. (2) You need to go to the DMV and get the registration on the vehicle figured out properly. And (3) you need to sue "my son's father" for all the money you paid him that he never sent to the lender.
Hope you can afford all the aggravation and expense involved.
Posted: Fri Jul 16, 2010 07:41 pm Post Subject: insurance
We'll look for you on Judge Judy next season
That's funny!! :lol: i don't think she hates ALL men. Just those who try and 'cheat' other people. Anyway...Whatever you do, from now on, keep proof. Without the proof, it's his word aqainst yours. Usually, if you go into courts, etc, they will ask where your proof is.Posted: Sat Jul 17, 2010 12:11 pm Post Subject:
Yes, contacting the lender and visiting the DMV are truly necessary under these circumstances. But, will it really be of any use to sue her son's father? I remember, she's not received any receipts from him.
Posted: Sat Jul 17, 2010 05:11 pm Post Subject: insurance
You're right, GUEST, the OP has no receipts from him. It wouldn't do any good to sue the father. Hopefully, if you explain the problem, to the Lender of the car, they will 'work' with you (providing they beleive you). I'm not trying to say this in a negative way....I'm just stating a fact.
Posted: Sun Jul 18, 2010 02:49 am Post Subject: Car theft/ Dealing with this insurance company is a real fam
On July 6th 2010, my car was stolen from the mall were I work. We made a police report right away, and my mother called her insurance company. The car is fully insured and is under my mother, and her boyfriend's name and they are both covered on her insurance. I would usually drive the car to work and I'm still making payments on it. I'm licensed, and I am insured thru an SR-22 because of a DUI in 2007. The car was found on July 8th in a neighborhood near by. All the front inside of the car was missing exept the steering wheel. The battery was also taken. Im not quite sure what else was taken.
The insurance company had told us that an agent was going to call us in 48 hours, no call ever came in. My mother called the insurance company and they assigned a new agent. The agent called my mother at her work and she couldn't understand what he was saying, so she told him to call later at 4:00pm. He said, "I don't care if you are at work, I'm at work too!". My mother was mad. He told her that he was going to investigate our whole family. The insurance agent sent someone to make a report on the car's condition. He reported the same thing we had seen. He also said that the car was turned on with a key and he wanted to know why! The agent, pretty much, accused us of stealing our own car! They also wanted to know if we found anyone to fix our car! We really lost peace of mind after that so I told my mom to get a real, accredited mechanic, who will evaluate, and take pictures of the car, and prove that the car can be turned on without a key, just in case we have to file a lawsuit.
My family and I, are stuck with only one car for the whole family. The insurance doesn't cover a rental car. My mother has to get a ride from her boyfriend to work, I have to take my niece to the babysitter, my sisters to school, I have to go to work, and then I gotta come back home to give the car to my sister because she is a pizza delivery girl.
The car is still in the impound to this day and is being charged. We just got a notice of a lein on the car. I dont even know what that means, but it just seems like everyday that goes by means more debt for us and we cannot, and don't want to pay them a cent!
The insurance company sent my mother some stuff to fill out and some of it is to give them permission to check her credit. What does her credit have to do with trying to insure her car??? She already knows she has bad credit! She is afraid to sign anything that she might regret.
We are not a rich family. Our finances are very slim. We just work to make ends meet everyday. I just want my family to be happy again. We want our peace of mind back, and we really need another car.
What can we do??? HELP US!!! Thank you.
Posted: Sun Jul 18, 2010 12:56 pm Post Subject:
He told her that he was going to investigate our whole family.
Of course. Any one tied to that car may have information pertaining to the property stolen, nothing unusal about that.
He also said that the car was turned on with a key and he wanted to know why!
Why? Because if someone had access to the keys, someone may have failed to protect it from being stolen. If your car was dismantled in the fashion you say it was, and there was no damage, tampering with the ignition it's fairly suspect that someone had a key.
The agent, pretty much, accused us of stealing our own car!
Not really, but if there is any holes in your story then it may appear that way.
They also wanted to know if we found anyone to fix our car!
Well, have you?
so I told my mom to get a real, accredited mechanic, who will evaluate, and take pictures of the car
Not a bad idea.
prove that the car can be turned on without a key
So, can it be operated without the use of a key?
The car is still in the impound to this day and is being charged. We just got a notice of a lein on the car. I dont even know what that means
Who issued the lein? A lein is so an entity can take possesion of the property if the charges are not paid in a certain amount of tim. Why has your insurance not moved the vehicle?
What does her credit have to do with trying to insure her car???
All part of the investigation. It should be obvious to you why they would want to check her credit if she has bad debt.
She is afraid to sign anything that she might regret.
She will regret it even more if she doesn't cooperate.
Posted: Mon Jul 19, 2010 12:09 am Post Subject:
On July 6th 2010, my car was stolen
If you read some of my Auto Insurance Fraud press releases posted on the Insurance Fraud forum, you'll perhaps begin to understand why your claim might be suspicious to an insurance company.
As many as 50% of all auto theft and other claims may be fraudulent, and insurance companies and agents have a public responsibility to report suspected fraud.
If there is no fraud involved in your claim, you have little to be worried about. As long as you cooperate to the fullest. Insurance companies also have a responsibility to settle claims quickly once their liability is determined. So the more you all can do to help them determine there was no fraud involved, the quicker your check will come or your repairs will be made.
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