Re: Question
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Posted by Why Chat (209.240.198.61) on March 19, 2003 at 19:55:45:
In Reply to: Re: Question posted by Emily on March 19, 2003 at 17:15:33:
As far as I can tell, the creditor(Dealer?) finance company is in violation of a WHOLE BUNCH of laws. You can send a letter to the collection agency, with a copy to the original credior AND the dealer who sold you the car,stating that they are in violation of Okl. vehicle financing laws,the FDCPA and Federal and Ok. statutes on fraudulent business practices.You can tell them that you demand they cease and desist all collection efforts and make sure there is NOTHING on your credit reports.You can file a complaint against all of them with State and Federal agencies. OR, you can find a consumer lawyer in your area to sue the $--T out of them. Here are the Ok. repo laws, and I have linked below the general aplicable rules for legal repo. Oklahoma TITLE STATE: Yes SECURITY INTERESTS: Shown on title held by debtor. LICENSE REGISTRATION: Oklahoma Motor Vehicle Division, 2501 Lincoln Blvd., Oklahoma City, Oklahoma 73194. Tel.:(405)521-3221. RECOVERY REQUIREMENT: As per UCC, repossession allowed without committing a breach of the peace. DOCUMENTS REQUIRED FOR LIQUIDATION: Out of state titles must be in the name of Lienholder.
* In Oklahoma copy of a security agreement (certified), lien released or repossession title in the name of Lienholder.* PLATES: Remain with the vehicle.
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