My question involves an auto loan or repossession in the State of: North Carolina or Florida????
What are the laws in NC pertaining to car repossessions?
What are the laws in FLA pertaining to car repossessions?
I ask becuase my car got repossessed today!, however after much research online I have this story/question....I lived in Florida and purchased a car., 1 1/2 year later refinanced the car...2 years later moved to NORTH CAROLINA still making payments until falling behind late NOV (2007). Now I contacted the bank and explained my situation and asked to skip a payment in other words put the past due payment towards the end of the loan, I was told that in order for me to do so my account had to be current, I than asked if i can change my automatic payments from automatic bi-weekly bank withdrawl to Monthly withdrawl again my account had to be current. I paid but my payment were being gobbled by past due late charges as well as new biweekly charges and late charges....ALL my efforts to bring my account to date were pointless! it's like I was digging a BIGGER hole every other week!!!! all along I've delt with a very nice collections rep...sooooo I thought! she never explained anything until I was knowledgeable of what was going on and without any warning BAM!!! my car repo'ed...I called bank and of course the rep is out of town spoke to another rep who was guideing himself based on what was put in their computer system clueless as to the course of events! Anyways he gave me the phone number to the company in FLA whom had orderd my repo in NC with a sister recovery branch???? I called they said they'd call me back...I waited then took it upon myself to find tow truck comp online....I found what I was looking for and drove to my destination, I arrived, tow comp was shocked that I found them? my car was not their it was in another lot near by, however they spoke lies telling me it was 2 hours away when in fact it was two stop lights away maybe 4-5 miles away! I waited for my car to arrive, I got my personal belongings leaving my car NaKED!!!! I WANT MY CAR BACK but that clueless guy I spoke to today had told me that I can't pay for my car and that I won't be getting it back....the nerve of him telling me that!!!!! WHAT CAN I DO after the bank has repossession of the car????? and WHAT state law pertains to my case FLA (state I bought car) or NC (state I currently live in) ??????? I NEED HELP, I really want my CAR BACK!!!!!!!! And I realllllly want for this experience to be painfull and fufilling on both sides.....Is their anything i can do to get my car back and MY LIFE BACK IN TRACT?????