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You are are describing a "Driver here, Pay here" situation. DHPH dealerships are notorious for doing this. And it is illegal. It is wrongful repossession. Here's what you do:

  • Take you proof of payments to the dealership, cancelled check, money order receipts, or payment receipts from the dealership.
  • Demand the return of the vehicle or one of greater value immediately if the other vehicle has already been resold. This under the same, existing contract.
  • If the dealership gives you any difficulty, or stalls in any way, notify them that you are going straight to the prosecutor's office with your proof.

Do Not, give them your copies. Provide copies for them, but show them the originals. If you must go to the prosecutor, do so immediately after leaving the dealership. Be prepared to contact your local television news agency too.

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Q: What to do when car is repossessed by financial company when payments where never in default and made to car dealer?
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Can your car be repoed if you are not behind on payments?

Technically yes - the vehicle can be repossessed if you are 'in default' of your obligations under the contract. So while the usual way to default on the contract is by missing payments, it is possible for you to be in default by another way, outlined in the contract you agreed to.

Can the mortgage company call the mortgage early When making payments on time or early if the bank is in financial distress can they call early?

You need to refer to your specific loan documents, but typically the morgage company can not accelerate your loan unless you default on the payments.

Can your car be repossessed in Missouri if you are making payments but 45 days behind?

READ your CONTRACT. Its that simple. If you are in DEFAULT of the contract, they can repo the collateral.

What happens if you default on car loan in divorce?

The car will most likely be repossessed unless you make up the missing payments and penalties.

What can you do legally if your camper has been repossessed without anyone notifying you?

Very little ! If you default on the payments, the finance company are quite within their rights to confiscate the vehicle. The camper does not become your property until you have made the final payment !

What steps are involved in reposessing a car?

As soon as a lease expires on a vehicle that you have in your possession or you default on one of your car payments, the owner has the right to have your vehicle repossessed.

Can a vehicle be repossessed because the payment is 15 days late after 4 years of payments and only 3000 dollars owed?

If you are in DEFAULT of the contract, the collateral can be repoed.

If you live in Virginia and you are behind on your car payments can the car be repossessed without any type of court order?

YES, very much so. If you cant get out of default, get your stuff out of the car.

Can your vehicle be repossessed if you are working overseas for the government?

Yes, default is default no matter what you do for a living.

When can a car be repossessed in the state of Tennessee?

When the contract is in DEFAULT.

How does one define a debit from a default?

To default is to not pay on a loan or other financial arrangement before the due date. Debit from a default is late fees, N.S.F fees or any extra payments created as a result of not paying on time.

What can you do if your car was repossessed but you were not behind in payments?

IF you had ins. coverage and were not in DEFAULT of the loan in any way, CALL AN ATTORNEY NOW ! ! ! Are you sure the vehicle wasn't actually stolen? Usually the only two reasons for legal repossession are being in default on your payment or not keeping the required minimum insurance on the vehicle. This is to protect the finance company from possible loss and basically protect their investment.