What to do when car is repossessed by financial company when payments where never in default and made to car dealer?

Answer 1

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.