Re: Voluntary Repo - Please HELP!!

Posted by Jayla (66.90.212.123) on August 11, 2003 at 00:04:44:

In Reply to: Re: Voluntary Repo - Need Removal posted by patti on August 01, 2003 at 08:12:31:

I pulled two credit reports which I just received in the mail. On these reports, the VOLUNTARY repo is showing as REPOSSESSION. What do I do?! The way it all happened, I do not have any proof. The details are that I talked with a credit rep and told her that I would voluntarily surrender the vehicle to avoid repo. She assured me that this would be reported as a voluntary repo but it would still not be good on my credit but I had no choice. She stated that she could not send me anything in writing. I took the car to the car lot as instructed. The car lot people were extremely rude to me and would also not give me anything in writing. I called the credit rep the next day and asked if she could give me something showing that I turned the vehicle in. She asked me to go back to the car lot and call her from there. When we tried to call, the guy at the car lot said that there was no answer. I called the lady again and she stated that the guy at the car lot was also rude to her but that she would note everything in my file. Well, I called and made a payment arrangement recently. They won't give me anything on writing on that either. But the person I spoke with on the payment arrangement also stated that this was being reported as a voluntary repo. That is not true. Not only that, the dates and amount are all wrong.

I don't know what to do. I know it will show as a repo but I want it to reflect voluntary. I did everything I could not to lose my car but I had to choose between feeding my family and paying our rent. Not only that, the repo date is wrong. The amount is wrong which I think I can prove with a letter they sent to me quoting a different amount. My fear is that they can say they added some stupid fees or something to cover it. How can I get this accurately reported on my credit and better yet, removed? These people will not give me anything. Not even a detailed statement showing payments. I am in tears over this. My husband keeps telling me not to cry but I don't know what else to do. Is there something in the repo laws that may help me? Is there something I can pin them on related to the reporting on my credit? Any help would be appreciated.

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