In August I was forced to take out a loan on my car when my step-daughter wrote us several hundred dollars worth of bad checks and rent was due.
The total of the loan was $1,050 at an impossible interest rate, but I was desperate. I was asked to hand over a key for the vehicle, a 1998 Sable. The key is one of those theft deterrent keys with the security chip in it.
The loan was totally paid off in June. I was told I would receive a 'release of lien' and could pick up my key within a week.
I didn't receive the release of lien after a month so I went back to the office. Not only could they not tell me why the paperwork was never sent; they couldn't find my key! I was told they would find the misplaced key and make sure the 'release of lien' was sent to me. After another month, still nothing.
I went back again. This time I was told that because I had filed bankruptcy in March that the key had been sent to their lawyer. Why is beyond me as the loan was not part of the bankruptcy! I was told they would contact their lawyer and get the key back. After another monthor so, still no contact from them, their lawyer, or any paperwork to clear my title!
I went back AGAIN! This time I requested a manager. I was told she was 'out' but they would make sure she called me. It's been several months and still no call, no key, no release of lien!
A new key is going to cost me $100 or more, and I can't sell my car even if I wanted to because the title still has Wisconsin Auto Title Loans listed as a lien holder!
I'm tired of getting a song and dance routine from the Kenosha office, but there is no head office or web address to complain to! I have the paperwork that shows the loan as being paid off but nothing else to clear my title or get my key back!
All I want is a clear title and my key back. If they have lost the key then I want them to pay for a new one. I should be charging them the 540% interest rate they charged me for the key, but all I want is my property back!
I have satisfied my side of the contract, I expect them to satisfy their side of it!
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