My question involves an auto loan or repossession in the State of: Illinois
Hello, thank you in advance for any response you leave.
I bought a car from a "buy here pay here" place. They repossessed it one morning (2AM) because I had not made the payment. I had made the payment, but the person who ran my credit card input the wrong expiration date into the card machine.
Anyhow, the person who repossessed my car was not from a tow company, they were from the dealer. I know this because I woke up, went outside, and started arguing with him. He does not have a license to repossess cars in Illinois.
Also, the dealer has not sent me any letter saying how they intend to dispose of my car, and they also haven't sent me an affidavit of defense. All I got was a letter saying I owed double what I actually owed, and I had 21 days to redeem.
From me doing research, it seems that I have a case; I would like to hear your thoughts on the matter. I have spoken to two lawyers, they haven't gotten back to me yet, so I was going to just file myself in small claims, I want this to be over.
Your help is appreciated.