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OK, I asked another question yesterday about "unknowingly being sold a car with a salvage title" — http://answers.yahoo.com/question/index?qid=20061128073937AAwWAu9 — which the dealership is supposedly still uncertain of.

Well, the saga continues. Now they claim they should get the title today, they’re just waiting for the auction people to send it. I’ve been told that the auction part is normal, though them not knowing any details about their purchase seems odd, to say the least.

They’re claiming they’re in the same position I’m in! Isn’t it their responsibility to know? Plus when I asked they insisted it hadn’t been in a wreck, and they went further to give me a warranty.

Assuming the car has only been in a wreck (that resulted in a settlement for k in 12/2005) how does that effect the so-called "bumper-to-bumper" warranty they gave me? Is this alone fraud, even if it doesn’t have a salvage title?

Shouldn’t they reduce the price? Am I stuck?

(I’m in TX.)
I purchased the car 11/22 but didn’t get the insurance stuff until after the Thanksgiving holiday. That’s when my insurance agent discovered the wreck, on 11/27.

I have called the TX Attorney General and the DMV and they’re telling me to submit a complaint. I’m going to call the legal people provided through my job later today, but I was hoping to settle this peacefully.

Initially they seemed to won’t to resolve this, yesterday they implied they were already looking for a new Ion, and insisted they wouldn’t leave me in a wrecked vehicle.

Now it just seems like they’re trying to get out of it and shirk responsibility. But I don’t think ignorance is an adequate defense. At the very least I think the price should be lowered, or I should be released from the contract.

I do know that I would not have bought the car had they told me it was in a k wreck and they acknowledge that that’s likely the case. Still, they insist the wreck doesn’t effect our deal.
I got it from a smaller local dealer called "Auto Max."

My issue with the wreck is that I specifically asked if it had been in a wreck and they said no. I asked two separate salesmen and they both said no.

My insurance agent only found the k claim through one insurance company — he was checking them all for the lowest price. None of the other insurance companies were showing this claim BUT I’m sure the dealership knew what was what.

I can’t accept that the auction didn’t let them know the history of that car — I’m sure the truth of the matter was in the price they paid for it. If they got a severely discounted price on it they had to know why, in my opinion. I doubt they got gypped too.

Though, I did initially give them the benefit of the doubt, thinking maybe they really didn’t know, but now I’m thinking the shock was more a reaction to the fact that I found out about it, rather than true ignorance/innocence.

And still, they claim they don’t have the title.

I havent made a payment since July 2009. The "bank" has gone to court and been issued a Writ of Possession. They havent shown up to my house yet. I hear that they’ll come with the police and repo guy. I plan to hide out in the house and not answer my door. The longer I string them along/stall for time, the longer I go judgement free. I figure if they get the vehicle back sooner, they’ll sue me that much sooner and start garnishing my wages. Seems to be to my advantage to string this out as long as possible. What happens if they never recover the vehicle? (its in Mexico)
Why would I surrender the vehicle? so they can auction it off for pennies on the dollar, then sue me for the balance? ohhhhhh, and garnish my wages. forget that, I’ll part this sucker out and give it back on blocks, lol
"Also, if the creditor doesn’t receive the vehicle back after going through the court ordered Replevin, then the creditor might include the term ‘P&L write off’ or ‘Subscriber cannot find’ in with their regular negative reporting of the account on your credit reports, which is far worse than just having a repo or a repo and a judgment on your reports." I plan to go chapter 7 BK and wipe everything out
Is it possible to beat the repo man? I’d have to say yes. I’ve beat the repo man like a "yard dog" for the last 2 years, lol. Even if they sue me and get a judgment for the full balance of the loan, plus repo charges, they’ll never recover the vehicle and I’ll declare chapter 7 bankruptcy and wipe out their judgment. I think its funny as hell to see "The Bank" continue to switch repo companies. They’ve burned through 3 different companies in the last 2 years. I think its funny to confuse their "skip tracing" software, by registering my credit cards to a relatives house 2,000 miles away. Also, turing on utilities for a buddy who is attending college out of state confuses them as well. The more time they waste with me, is one more day someone else more deserving gets to keep their car, because the repo guy is spinning his wheels with me. I cant wait until he shows up with the cops. I will come out, get really really really mad, tell them the vehicle "ain’t here" so "get lost." I will also trespass the repo guy in the presence of the officer, and is he returns, it will be considered "disturbing the peace" which is a big No No in the repo world. The cops can only arrest me if the vehicle is here
"Louis and Matt?????" are you serious? Those are actors. google them. You think that show is real? wow.

So I’m currently working with bf’s parents to help bf get his car back. (He’s in Afghanistan at the moment).

The car was reposessed and bf’s parents contacted the company, Santander to see if we can recover the car with full payment. Santander said we had until 5/30 to pay off the car. Keep in mind the car was just repossessed.

We wanted this in writing so that we can pay and get the car back. We didn’t get a Letter of Intent, but instead got a Payoff Letter saying that if we paid the remaining balance, plus the repo fees, they will mail us the title. Of course there’s nothing here stating the possibility of being auctioned off, nor does it say anything about a reposession. it just lists our account number and our car make/model/year as collateral. Letter was addressed as "to Whom it may concern"…..Also lists an address to mail payments to, but was told over the phone to make a payment via Western Union. Here’s the website with the same instructions they gave over the phone – http://www.santanderconsumerusa.com/customers/make_payment_western.aspx

Not sure of the laws and if this is right.

I just want to help pay the remaining balance on the car to get it back for my bf. But not sure if these should set off some red flags? Should I be getting a Letter of Intent? Or does it sound like the Payoff Notice suffices?

Oh, one more thing, they did say we had until 5/30 before car goes into auction, but when they sent the letter of intent, they listed the date as 4/30, and the car was repossessed on 5/9.
i know there are storage fees, that’s why I want to pay off as soon as possible. what i’m wondering is with this Payoff Notice, is this good enough for me to pay the total amounts (not including storage fees), to insure that Santander will give me back the car? I"m afraid if I pay off the car, and then they will still auction it. can they do that?

should i still ask for a letter of intent on top of this payoff notice?

I am shopping for a used car. I am looking for something right around ,000, good on gas, a mid sized sedan or small SUV. I have thought about an Accord, CRV, RAV4, Camry, etc. What is the best one? What are some others I am not thinking of?
Just thought I would add a little more info. This will be my husbands car to go to work. I drive a Honda Odyssey. It will also be what I drive when he is with the kids in the evenings, on the weekends, etc. The kids will not be it in very often. Right now my husbands commute is only 6 miles one way but that could change to 20 if he gets a new job So we need to be practical but he would of course like something a little fun too. Almost bought a 04 Passat GLX today with 31000 miles for ,000 but back out.
robert s: If you can’t figure out what I am looking for from what I have listed the "da" is to you (I think you meant duh by the way). The whole point of yahoo answers is to get others opinions, I think you should have kept yours to yourself.

I am thinking about buying a car at an auto auction, and I know when you buy a car with a lien, you get a title from the DMV with my name and the lien holder’s name, but what if I want to sell the car at a later date? How do I transfer the title since it has both of our names on it?
Is there anyone that understands how buying a car at an auction with a lien works? I would really appreciate any help since the only person that answered obviously has no idea how it works. When you buy a car at auction with a lien you are not responsible for the lien, the only thing linking you to the lien is the title, there is ZERO chance you will have the car taken away or have any link to the debt. Thanks anyways, but please don’t comment unless you have an answer.
Here is a little bit of information, since no one on this answer has any idea what they are talking about, and I don’t want anyone looking at this to get their wrong information about liens at auction: "if you are the highest bidder, you get the auction papers to the car, when u go to the DMV you will register the car as your own, the title will come in the mail and show an existing lien on the car it says the banks name and your name yet, the person who originally requested the auto loan will have to pay for the car even if it is in your possession, so you are not responsible for paying the lien and no one has the authority to take that vehicle away from you as long as you bought it legally in a auction and keep copies of all the auction paper work cause one day you might need it."

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