My question involves an auto loan or repossession in the State of: VT
I want to say thanks for all who take a look at my question, I regrett having been put in but my lack of urgency put me here so I admit wrong doing first of all.
I had defaulted on my auto payment and was a month and a half past due, on thursday last week my bank (lender) called and said it was urgent I contact them in the matter at hand, I returned the call without response by the bank twice telling them I'd be in on August 2nd (today) to make payments and bring car note current but didn't receive any phone call.... however on the Saturday following the calls made I received a certified letter that stated I needed to make the past due payment before august 6th 2012 or repossession may be made with no further notice made in that reguard.... I knew that my calls were made stating I would be in today to make payment and that I would be fine going in four days before the said date (6th of this month)
Well Tuesday the report man came to my work and straight out took my car! That's the 31st"!! I was shocked and didn't know what to do but call the creditor about the matter they didn't respond to my calls and I was left to fend for myself to get to and from work until today and just continue to contact the bank with no response I went on in today with payment as letter stated but was hoping to get the vehicle back and be on my way well they said I needed to pay all fees and that the letter I forgot and couldn't just drive home to get was not going to help me anyways because I am now responsible for all of it. I calmly said I would be right back tomorrow but felt I needed legal advice before compliance at least and I said I felt like I wasn't given a fair shake based on there written document sent certified to my door.
I've got a meeting Friday morning with a local attorney but was hoping for some insight on the matter. Again I know I'm in the wrong for not paying on time and that I accept full blame but I assumed the letter was there form of a olive branch to help me nip this in the but correct?
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I wanted to write back on my post last night I talked with my attorney and was given great advice in this regard! He was able to give me a letter to bring into my creditor and I was granted the fees assessed and storage fees as well as no blemish on my credit report!!! There truly was no wrong doing in my behalf and they were more then nice this morning when I was able to show my findings and I'm blessed to have had this opportunity to make my accounts current and pay my current balance for this next months payment in advance. Thanks for anyone who may have responded I can't imagine what would of happened if anything went in the banks favor!