On May 15th Capitol One Auto Finance Company repoed are car on a Sunday; they just showed up and said we were months behind on our car payments. We received not one notice by mail nor did we recieve any phone calls saying we were behind on our payments. Needless to say we showed the repo people our payment stubbs and they still took the vehichle.
From reading the other story about Citibank my wife and I have serious health problems.By me having to take two nitro pills for my heart, these bounty hunter and Capitol one didn't care that it about gave me a heart attack. My wife almost had to call the EMS. No matter what these a* wouldn't listen. They took our 99 Chevy Blazer anyway.
In between all of this my wife's blood pressure cme close to meeting each other. I thought that we were both going to have to call EMS to take us to the hospital. Being on Sunday these gutless repo people work most of the time, I had to wait until Monday to call the lawyer.
I told him what had happened and gave him some phone numbers to Capitol One to contact them about the Blazer. While waiting to hear back from the lawyer I called a representative at Capitol One to ask what the hell they were trying to do since we made all of our payments. The Capitol One Rep. Just argued with me and said that's what happens when you don't make your payments. I told him i wanted to talk to his supervisor.
After waiting for sometime on the phone the supervisor finally picked up the phone and treated me like I was a piece of crap under his feet. He said we would never see our f* car again no matter what kind of lawyer we had. He ended up hanging up on me.
Knowing we were in the right we made photo copies of all our payments and faxed them to Capitol One and to our attorney. The Capitol One Rep. Told us that all of these payments still woudn't catch us up.
These gutless people shouldn't even have a job the way they treat you on the phone. About 6 days later we received a letter in the mail stating that our Blazer was going to be taken to an auction to be sold. Whatever the car sold for we would have to pay the difference. We didn't have any idea what to do!
Meanwhile our lawyer was working on the nightmare contacting the people at Capitol One. After 14 days of "Pure Hell" our lawyer called and said that our Blazer was being returned to us. Capitol One made a mistake in their computer system and there was no reason for them to take the car. Of course we didn't receive an apology from Capitol One.
Look at what they put my wife and I through. This could have killed us both because of their a* mistakes. Needless to say this horror story isn't over quite yet by a long shot.
On the 15th day we received a phone call from the Repo People stating that our 4X4 Blazer is being returned but there is a problem with it. The wrecker service dropped the car off the lift and the front bumper was ripped off. I asked what else was screwed up and she didn't know. First of all she didn't want her name mentioned to anyone about this matter.
This was the first time in a repo business that a vehicle was ever returned to a cutomer. She also stated that there was some paper work coming with the returned Blazer that i wasn't supposed to see but she would send them anyway. This woman was scared out of her wits because of the matter. She also sent pictures of our Blazer showing the damage to the vehicle on my son's computer.
The day our Blazer came back to us there were numbers painted all over the windshield. How do you think we felt when all of our neighbors seen this (they aren't stupid). I was told to sign the paper work to get the car back. They told me if i didn't sign that the vehicle would be taken back. I got on the phone and called my lawyer. He told me to sign any papers i had to to get the car back. So i did what he said and signed the papers.
Afer getting our Blazer back there was a lot more wrong with it than we thought. It fell 5-6 feet off a wrecker and caused numerous damages. After driving the car it didn't run the same. It seemed like a totally different car thant he one i had prior to them taking it.
All the brakes sounded like metal to metal, Engine missing out and backfiring, hydrolic hoses were leaking, the front tie rods were bent, front torn off, headlight assembly all loose, windshield had two cracks in it, and numerous item missing out of our car. There is a lot more to say, but to make a long story short; we were screwed like many others from Capitol One.
To this day the car still hasn't been fixed Capitol One, but some work was done out of our own pocket to be able to drive the car to at least get around town.
The lawyer has sent an estament to Capitol One about the damages to the Blazer not counting the engine problems. These damages amount to appox. $1200.
I received a letter from my lawyer that contained information that Capitol One sent him through e-mail. The paper are the ones that i signed to get the car back. The papers stated that Capitol One wasn't RESPONSIBLE for any damages to repossed car. I signed these papers in order to receive the car back. The repo people were in such a hurry to get out of here they wanted me to sign so they could leave.
Capitol One now says that they will pay us $1200 even though they stated in their paperwork that they were not responsible for any damages to the car?
It is now October and we still have a car that could stop running at anytime do to their negligence.
Attorney is still working on case and we will update later on this story. See continued nightmares from Citibank story. Home taken by fraud.
Robert
North Manchester, Indiana
U.S.A.
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