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I was never given any information about what was to be done with the car (auction, private sale, etc). Now a couple of months later, I have a collection agency (AIC) calling me. I haven’t answered yet because I really don’t have the time to talk when they do call so I don’t know if it’s post auction or pre auction.
If it’s pre auction, I’m guessing they are just trying to collect the total amount -
Oh, and on a side note, never deal with HSBC or Ed Voyles in the Atlanta area. 2002 Jetta TDI that was k got financed by HSBC for k. That’s 50% interest and Ed Voyles had to lie to the bank saying I was putting k down but wrote me a k ‘miscellaneous’ check and withdrew it after I deposited it into my checking account using the k check I wrote them to be cashed after theirs cleared.
- However, if it’s post auction and they are trying to collect on the remainder of what it didn’t sell for, I’ve never received any written or oral information from the bank regarding what they were going to do with the car. If I’m not mistaken, I was supposed to be informed as to the course of action they would be taking prior to it being taken. If so, I was not.
What ‘rights’ per se do I have if this stipulation holds true?

Thanks in advance.
Ok, you first 3 posters are idiots and trolls.
Read the information. I’m not asking ‘oh lordy lordy what do i do?’

I admit I should have stated that I co-signed with my brother who ended up losing his job [when the layoffs started] just over a year ago and all attempts to keep the payments up HAVE been made, so I’m not some punk who signed a contract and said ‘nah, i don’t wanna pay it.’
I TOLD them to repossess it because they kept calling me asking about when I was going to bring the payments up to date.
My question isn’t How will they, why have they, or when will they repossess it. Those of you who read it as such are retards.

What I asked was [due to some information that I had read regarding Rights of People Going Through a Repossession] if anyone knew of a law that stated what happened when a creditor doesn’t inform you of what will be done to said repo’d property. Such as ‘Breach of Contract’ on the creditor’s end.

Not all repo’s are the fault of the person being repo’d.