Results 1 to 3 of 3
  1. #1
    Join Date
    Apr 2012

    Default No Contract Provided on Auto Title Loan

    My question involves collection proceedings in the State of: California
    I obtained an auto title loan for less that $1,200.00. This was all done elctronically on the reps ipad. He was to e-mail me a copy but never did. I requested a copy of the contract several times via e-mail and verbally only to learn that the rep was no longer with the company. I had no idea what the payment terms or due date were. I believe I was behind in a payment due to a notice that I received in which I ultimately made the payment into their account. When I called to inform them payment was made the lady said it was too late and they were repossessing the vehicle unless I paid $1,648.75 that day. I again requested the contract in which she said she no longer had my file, it was with the repo company so I asked her to e-mail it since it was electronically processed, then she hung up on me. Is is a breach of contract on their part since they did not provide me with the terms? PLEASE HELP!

  2. #2
    Join Date
    Sep 2011

    Default Re: No Contract Provided on Auto Title Loan

    Regardless of whether you received a copy of the terms, you likely signed a disclaimer on the check agreeing to them, if you did not sign it beforehand.
    Teach a man to fish, you feed a village. Give a man a fish, the ever growing village demands free fish. We will now spend trillions on social services and SSI for people who don't know how to fish.

  3. #3
    Join Date
    Sep 2005
    Behind a Desk

    Default Re: No Contract Provided on Auto Title Loan

    If they complied with the contract, their failure to email you a copy of the contract does not transform their repossession into a breach.

    If the repo company has your file, perhaps they will provide a copy of the contract.

    1. Sponsored Links

Similar Threads

  1. Sale and Deficiency: Auto Title Loan Gone Bad
    By fundispencer in forum Auto Loans and Repossession
    Replies: 1
    Last Post: 01-28-2011, 08:35 PM
  2. Repossession: Auto Title Loan Repo
    By barbarian in forum Auto Loans and Repossession
    Replies: 6
    Last Post: 07-20-2009, 08:20 AM
  3. Debt Collectors: Auto Title Loan
    By holymosy in forum Debts and Collections
    Replies: 3
    Last Post: 11-10-2008, 08:51 AM
  4. Repossession: Auto Loan Approved Without Lien On Title
    By newjersey2008 in forum Auto Loans and Repossession
    Replies: 1
    Last Post: 04-24-2008, 10:07 AM
  5. Chapter 13: Auto Loan With No Secured Position On Car Title
    By wisdom_seeker in forum Bankruptcy Law
    Replies: 2
    Last Post: 05-15-2007, 07:39 AM


Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
Forum Sponsor
Bankruptcy Lawyer
Recover From Your Debt. Free bankruptcy evaluation by a local attorney.

Untitled Document