My question involves an auto loan or repossession in the State of: Florida
I had my vehicle reposessed about 1 week ago. I was able to reinstate the loan and pay the arrearages and was able to retrieve my vehicle yesterday from an auto auction facility. When my vehicle was returned to me, I noticed that it had been completely detailed and cleaned inside. I had to get the floormats from the back of the vehicle and put them where they belonged but noticed that the passenger floormat was missing. I went back inside the facility and asked the rep. about possibly finding it in the detail area of the facility. I was told that everything that was present, was exactly how they received it. Not true...I then got to look at the copy of the condition report pictures and saw the floormat and other articles in the pic. The rep. called the back and got the answer that everything had been thrown away. Then I was told that the original repo company was actually responsible for collecting my belongings, not them. Before I left the facility I called the repo company and was told that the actual person who repo'd my vehicle said that I told him I didn't want anything from the vehicle. NOT TRUE. I found the statute (FL) 679.611 that states the property must be gatered and a notice is sent to the debtor that I can collect it within 30 days. The fact is, the repo guy left everything in the vehicle and it was transported to the auction and everything was disposed of (or stolen) like the factory floormat and other items. What can I do to be comoensated for these articles? no one wants to speak to me from the bank. I call and leave messages and no one calls back or I get transferred to some erronous line that just rings and rings or I get put on hold for 20 minutes! who can I call for action?