I feel like I’ve read about what happened to me before…last year when the banks were being exposed for rushing foreclosure procedures and using legal loopholes to swindle people out of their houses. Only difference is, this happened to my car loan. I had two unpaid speeding tickets which led to a suspended license back on 7/23. I got pulled over for ‘failure to indicate my turn 100′ prior to initiating it’, they ran my license, and impounded my car around 11-11:30pm Saturday night. From 7/23 to 8/2, I did everything I could to pay off the tickets, reinstate my license, and get my car completely legal again as soon as possible – all told, it was around 00. I don’t make a lot of money, so coming up with over half my monthly income in just a week is quite a challenge, to say the least. When I got to the Police impound department for my appointment on 8/2 at 2:30, with all the documentation and money they requested to release the vehicle to me, the clerk said "Oh, your bank didn’t call you? They repossesed your vehicle this morning." WHAT?!? I have had a near perfect payment history on my loan, never falling a full payment behind…except for last month, when I had to make a payment arrangement with the credit union’s risk management department for the half payment ( of the 7 I pay bi-weekly) that I had to put off because I had just renewed my registration and paid rent. I haven’t even been behind for a full pay cycle (30 days), but when I called my credit union’s repossesion dept, they said it was enough to deem it a ‘risk to the asset’ and they weren’t required to notify me that they would impound it. Their solution to minimize the ‘risk’ was to tack on a 4 repossesion fee, not to mention the damage that will do to my credit, the impound and Tempe Police fee (I have no problem with those two items) plus demand that I come current on my loan including the upcoming payment for this week, despite my payment arrangements. I incredulously asked if they even give people time to work things like this out themself, and was told there’s 10 days normally, but they don’t have to give me the full 10 days or notice of repossession, which is why they repo-ed it after only 9 days. So the past 2 1/2 years of loan history, the fact that I have a payment arrangement with THEIR in-house risk management, and the fact that I had an appoinment that very day to get the car out myself, made no difference. In fact, Jorge, the first person I spoke to, seemed to take pleasure in the fact that I was upset, and gave me useful gems like ‘its not the banks fault you’re in this situation. We aren’t responsible for your finacial problems, and ‘it looks like you got yourself in this situation’, and what’s done is done. Its in your contract, if you read it you would know.’ And ;If you want your car back, you need to fulfill your financial responsibility’. What a waste of humanity that person is…who purposefully says things like that to an obviously distraught (soon to be former) customer?? I have been treated as if I am some delinquent bill dodger, when my only fault was failing to deal with a few speeding tickets as quickly as I should have. I’m not asking for the credit union to wipe the slate clean. I’m only asking for someone to look at the whole picture instead of a small part. I am shocked, bewildered, and angry that for the past 4 years that I’ve had accounts with them(checking, savings, car loan and line of credit) I’ve never had any indication of such shady dealings, and have been on the credit union versus big banks bandwagon for as long as I can remember. This incident, regardless of how it turns out, has completely shaken my trust in any financial institution. If anyone has any advice, I’d welcome it. I have 7 days before they sell my car at auction.
To Common Sense…if you read my entire statement, you’ll see that I’m not denying that I fell behind, or that I didn’t meet my financial obligation. My issue is that for the first time in the 2 1/2 years I’ve had the loan, this is the first problem I’ve had, yet it seems like the maximum punishment is being doled out. If you break the law the first time, whether its jaywalking or murder, there are different levels of consideration that are taken into account before you are sentenced.
Your response is geared toward someone who is just whining about their problems…which I am not. I am outlining a situation where I feel I was punished far beyond what the situation called for. I wasn’t several months behind, I was less than two weeks into being a month behind, with payment arrangements made to catch up.
Before you get on your high and mighty horse, have some consideration for the fact that some people fall on financial difficulties at one point or another in their lives, des
*despite their best efforts.

Government police auctions and government seizure auctions are usually a cheaper alternative available to those who battle to secure enough of a budget to be able to afford to purchase a car from a new or used car dealership.

Often by scouring the locals adverts in newspapers regarding government car auctions as well as a search for police auctions and government auctions online will yield positive results for those looking to take advantage of these car auctions.

The government will have seized these cars from those who may have outstanding speeding tickets. Banks and financial institutions are another avenue that brings these cars to the auction block through bad payments and are often sent to repossession auctions held with other types of car auctions to provide a diverse offering to the public.

The government and state department that often put these cars up for auction are not in the habit of trying to wait for their price as it is often better for them to return the funds generated to monetary circulation so that they can generate more bank interest and revenue. This means that there are some great deals to be found at government and police auctions.

Buying the same cars from a used car lot may sometime cost in the region of 300% more than you could secure a decent car or SUV for at an auction.

Being sharp witted and wise to the price for certain cars on the open market could even yield a handsome profit if you were to decide to speculate a little of your saving and approach the car auctions as a business venture. There are often many students who search for cheap and affordable cars with often quite a decent budget. This opens up a whole new revenue stream for those folk who regularly attend auto auctions to understand the market prices for cars.

There is a benefit in knowing that these cars that are bought through police and government auction are definitely road worthy and should be easy to license as their source is the police after all.

Government police auctions and government seizure auctions are usually a cheaper alternative available to those who battle to secure enough of a budget to be able to afford to purchase a car from a new or used car dealership.

Often by scouring the locals adverts in newspapers regarding government car auctions as well as a search for police auctions and government auctions online will yield positive results for those looking to take advantage of these car auctions.
The government will have seized these cars from those who may have outstanding speeding tickets. Banks and financial institutions are another avenue that brings these cars to the auction block through bad payments and are often sent to repossession auctions held with other types of car auctions to provide a diverse offering to the public.
The government and state department that often put these cars up for auction are not in the habit of trying to wait for their price as it is often better for them to return the funds generated to monetary circulation so that they can generate more bank interest and revenue. This means that there are some great deals to be found at government and police auctions.
Buying the same cars from a used car lot may sometime cost in the region of 300% more than you could secure a decent car or SUV for at an auction.
Being sharp witted and wise to the price for certain cars on the open market could even yield a handsome profit if you were to decide to speculate a little of your saving and approach the car auctions as a business venture. There are often many students who search for cheap and affordable cars with often quite a decent budget. This opens up a whole new revenue stream for those folk who regularly attend auto auctions to understand the market prices for cars.
There is a benefit in knowing that these cars that are bought through police and government auction are definitely road worthy and should be easy to license as their source is the police after all.

Two of my car’s were repo’d last year after I lost my job and I believe they still had valid registrations, so out of the blue my insurance statement says my fees are going up cause I have two speeding tickets, which I never got in the mail or anything…could it be that the cars are still registered in my name and so maybe a camera caught them speeding and automatically blamed me? what do i do to fix this?

Most believe that some enforced highway speeds are unreasonable. Because of this, some arm themselves with car radar detectors. Laser radar detectors can be installed easily and quickly in any vehicle. Also, they are cheap and available in most stores that carry electronics.

These small devices are sometimes referred to as ‘fuzz busters’ because they help people travel faster in an automobile and get an alert when an officer is measuring the speed limit of passing vehicles using a radar gun or other device. It is easy to move, even rather safely, and get caught in a radar speed trap. These little devices are very high in demand because people hate getting tickets. Small radar detectors for many vehicles are cheap and are compatible with any car that has an outlet for power; typically the lighter socket.

Radar detectors are quite different as compared to jammers and photo radar, because these tiny tools are real and detect signals that law enforcement’s radar guns emit. Many people think they are profiled for their race, creed, the way they dress, the kind of automobile they drive, and other reason. Because of this, many individuals find it life or death to evade law enforcement. In addition, many states within the United States are notorious for overbearing and ridiculous ticketing. Some people are aware of these locations and drive accordingly.

Because this system can be seen as evading proper speeding limits, law enforcement has came up with other devices, of stronger abilities, making most detectors insufficient. However, manufacturers have hollered back to this by building ones that detect all radar speed detection.

Some think this determination is dishonest and a recipe for danger. Others think that it is only dangerous when you are going over 80 mph.. It is highly debated whether or not it is ethical to purchase a device such as these, but the the determination is made by the individual state, and in some instances, nation. Some areas prohibit the possession of these devices and prosecute those found in possession of them. The fines associated with this offense can carry a hefty burden on motorists.

Another group of consumers believes that it is unsafe for the law to detect motorists’ speed. Their contention is that state trooper cars and law enforcement vehicles hidden in the road causes a hazard to all motorists, especially when the officer has his/her lights are turned on. Some states and governments force officers and state troopers to keep the lights off while taking radar, others require law enforcement to keep them on for speed traps. Whatever you believe, it is not possible to deny the fascination of these small fuzz busters. The capability of these small machines is brilliant!

When you are looking at the various devices that you might want to get, it is important to think about what the devices mean to you and what they’ll be used for. When it comes right down to it, you’ll want to look at the various facts that surround the Road Angel, so that you can know this is the best thing for you to use.

The Road Angel is actually a rugged device given that it was designed for the inside of the car. The device can actually be used on boats for maritime navigation, and supports additional maps via memory cards. So whether you are hill walking, boating or driving – the Road Angel could be the device you need. With this device you can put your ordnance survey back in the draw.

A good thing with the Road Angel is that the device comes with ordnance data built in, so you can hit the ground running (well driving!). One of the most expected features is that these devices wil give you audible directions, and the Road Angel certainly does that. This is a really useful features as it enables you to be given directions whilst you drive, as opposed to having to stop and look at maps. A key reason for many people on this type of product, is that it comes with support for detecting, or identifying, speed camera locations. The Road Angel comes preloaded with an initial set of speed camera locations, although you may find a subscription is needed to get updates.

Not only that, but the Road Angel is very easy to use. You can enjoy using it, straight out of the box, without needing to set it up or install things in it. You simply take it out of the box and turn it on, and its ready to go. It has a 3.5 inch touch screen that is colour and touch sensitive, and it is also backlit for you to use in any situation.

If something is easy to use, then we use it – which is true enough in the Road Angel. Portability is also important, and with a long life battery in the form of a lithium battery makes this possible. Do not worry if you are travelling, as the devices comes with a USB Car Charger too. The device is easy to connect for charging, aiding to its simplicity. The device can also be charged from a computer, or anything with a suitable USB charger.

To allow you to start using the Road Angel straight away, the system is supplied with mapping data straight out of the box. Also supplies is software of your PC, enabling you to print and review maps.

The reality is that if you want a device that works out of the box, is easy to use and makes your life easier, then Road Angel is for you. The device is one of the best for usability too, and also includes safety camera locations. For personal navigation, Road Angel is a great choice, making driving easier, and safer.