Van Repocessed... What Can I Do?

Question

I got a used Chevy van 1998 Venture from a

dealership in Illinois in Dec of 2006. They had a

financial company in Indiana finance it and payments

are 88.00 dollars a week. I moved to West Virginia

after my mother getting ill. I had to change jobs take

less money lose my cell phone etc... to cut back...

They repocessed the van last Friday... I told the and

asked the repo guy first that i needed the van for

work to make the money to pay the finance comp. and

not to take it, i tried to call the finance company

while repo guy was there to see if we could work

something out he took vehicle anyway and told me to

call finance company on Monday morning. I did and told

them I would pay the funds about 790.00 to bring it

current thru this following Saturday... they said thay

needed me to re apply and come up with different

references form the ones i had on the original and go

thru the application process all over again... plus

bring acct up to current status... i have given them

info they asked for plus quick collect a western union

for the amount asked they now have the money that

brings the account up to date thru next Saturday but

still won't allow me to redeem it until they have

verifed all references and plus seemingly come up with

different things i need to sign .... what are my

rights here... once they accept the payment they asked

for aren't i allowed to redeem the van... plus if i

told the repo guy not to take it and then tried to get

him to wait till i contacted them before taking it

isn't that unlawful? I never recieved a letter of the

repo i just witnessed two guys roaming around the

house and when i went out to see what was going on

they showed me a letter saying they were hired to take

the van. what can i do!??

Answer 1

uh---walk

Answer 2

it's not unlawful for them to take the van or to wait until you call them. if you knew the payments were due, why didn't you call your finance company and explain to them that you were in a tight financial situation and try to work out a more doable payment plan? once they get the go ahead to refinance, it's theirs. you'll also be responsible for whatever they don't get to pay off the balance of the van once they sell it at an auction.