Serious Question: Need Help, Please.

[Tiff-O-Bitties]

Long story short: Bought a car with the ex... :rolleyes: Both of our names are on the car, I'm the co-signer. When we split, his GRANDMOTHER harrassed the **** out of me to give the car back (even though I made the payments AND put $4 G's into the damn thing as the down payment)

I got tired of the harrassment and dropped the car off. The next day, she gave it to someone else, they "took over the payments;" however, the car is still in MY name... (Keep in mind, his grandmother's name is NO WHERE on that car) They are always late, but never 30 days. I'm scared they are going to fucc up my credit and my car is about to go ku-put and can't get another loan because that car is still on my credit...

Also, I don't have insurance on it, the ex does. Should I call my insurance company to find out what I need to do?

What can I do? Can I report it stolen without having insurance?!

[Sammich]

HOLY WOW...BUMP FOR SOME SERIOUS LIFE LAXATIVE

[BobbyFresco]

Contact the finance company and see if there's any way that you can be taken off the contract.

Other than that, I don't know what recourse you have but you shouldn't have given his grandmother a car that you have financed in your name but I guess you know that now.

[silver]

Check with the financing company would be my guess. They will know what you signed and whats in your terms.

Also a big one would be are you on the title, becuase if not the only say so you will have on that car would be responsible for making payments if he doesnt.

[Killer]

........... hmmmmm now that's what i call a sticky situation...

[carbon_crash]

Just go blow up his house, get your car back, pimp slap the old lady, and enjoy life!

[Tiff-O-Bitties]

LOL.. I like the last response the best. LOL!

Yes, I'm on the loan, hence, CO-SIGNER status...

I've contacted the finance company and he has to re-finance the car; however, he won't do that.. he's a ****, go figure.

[Ran]

Ohhh sh*t. This is going to be ugly.

[Friggintitsman]

Tie the old bag to her bed and burn her house to the ground.

[carbon_crash]

Id say contact an attorney and take legal action. He could be forced to sell the car as both of you are owners to pay off the loan. But reporting it stolen wont get you anywhere with insurance cause he is the policy holder

[Friggintitsman]

Feed her jimsonweed causing her to slip into senility. Then put her in the worst retirement home you can find.

[Friggintitsman]

Hide her depends and put gorilla glue on her dentures.

[eViLMunkey]

Long story short: Bought a car with the ex... :rolleyes: Both of our names are on the car, I'm the co-signer. When we split, his GRANDMOTHER harrassed the **** out of me to give the car back (even though I made the payments AND put $4 G's into the damn thing as the down payment)

I got tired of the harrassment and dropped the car off. The next day, she gave it to someone else, they "took over the payments;" however, the car is still in MY name... (Keep in mind, his grandmother's name is NO WHERE on that car) They are always late, but never 30 days. I'm scared they are going to fucc up my credit and my car is about to go ku-put and can't get another loan because that car is still on my credit...

Also, I don't have insurance on it, the ex does. Should I call my insurance company to find out what I need to do?

What can I do? Can I report it stolen without having insurance?!

well since you have a majority of the payment receipts and bills the car is technically yours and grandmah can go screw herself w/ her bengay... but I'd consult an attorney about this one

[BobbyFresco]

Damn, basically you're screwed.
I think considering the recent events that you've shared on IA, he most likely won't want to help you out in any way....

[Sammich]

I've contacted the finance company and he has to re-finance the car; however, he won't do that.. he's a ****, go figure.

whoaz

so...basically...if i were u..i'd get the car back, and refinance in your name...and do your thing and tell them to stfu and stick a m80 in their ass:goodjob:

[Sammich]

Hide her depends and put gorilla glue on her dentures.

:lmfao: :lmfao: :lmfao: :lmfao: :lmfao: :lmfao: :lmfao:

[Sport1.3]

I certianly wouldnt allow them to drive the car around with it still under my credit.....what happens when they do just decide to stop paying, you're credit suffers. I would have the grandmother, being that she is the one harrassing you, find a resolution to the problem. Tell her you have spoken to a lawyer, and were told that she must have it taken off your credit/find the necessary means to have it done or you will be forced to take legal action.

[Tiff-O-Bitties]

Damn, basically you're screwed.
I think considering the recent events that you've shared on IA, he most likely won't want to help you out in any way....

And that means what exactly?! Like, what does IA have to do with this?!

[Sammich]

And that means what exactly?!

basically how much of an ass your ex husband/baby daddy is...he's gona screw u over:(

[Tiff-O-Bitties]

basically how much of an ass your ex husband/baby daddy is...he's gona screw u over:(

It's not my baby's daddy.

[Sammich]

whoaz...*shock*

[Sport1.3]

LOL.. I like the last response the best. LOL!

Yes, I'm on the loan, hence, CO-SIGNER status...

I've contacted the finance company and he has to re-finance the car; however, he won't do that.. he's a ****, go figure.


Get a lawyer

[BobbyFresco]

And that means what exactly?!


Exactly what it means.

Seems like there has been a lot of anymosity on both ends and for you to expect that this would be any different is unrealistic.

[Sammich]

its not her baby daddy..its her ex-bf...i thought it was the baby's daddy

[BobbyFresco]

its not her baby daddy..its her ex-bf...i thought it was the baby's daddy


Oh.

[4dmin]

repo the car and sell it... i had a similiar situation you better nip it in the butt now ... i found out after 6 months of late payments had been made ;)

[Tiff-O-Bitties]

repo the car and sell it... i had a similiar situation you better nip it in the butt now ... i found out after 6 months of late payments had been made ;)

PM me and tell me what to do?

[Sammich]

you better nip it in the butt now

QFT

[4dmin]

PM me and tell me what to do?

you need to make sure all of the laws are the same but i had this same exact situation probably 5-6 years ago... you can repo a car if your name is on it - i was told at the time if you have your name on a title you have rights to the car. you can literally go pick the car up and do w/ what you will b/c your name is on the loan. i would call local PD to confirm also you may need to get w/ them to do repo...

unfortunately it was too late for me they had already had 4x 30 day late payments and 2x 90 day late payments... it will take 7 years to get this off your credit good luck.

[Scrappy]

similar situation last night but the girl was blind sided when we showed up at her house looking for the car. it WILL hurt ur credit as a co-signer. I know u said ur name is on the loan... but is it anywhere on the title at the finance company?! if not u dont have much say so in going through insurance company to try to fix it. if you get a lawyer notirized letter from the county you live in and notirized that the law applies in the county the car is in. a repossession company can pick it up. alot of liability lies in the repo company once picked up so a good amount will say no they wont. I will call our larger finance companies we repo for tomorrow and ask if we are allowed to secure the unit away from whoever is driving it at the moment til it is figured out and let you know. i know we did this for a lady yesterday and there were no issues but right now the car sits on our lot with no one able to get it until the finance company sends a release hold harmless form to us with which persons are allowed to redeem the unit. ill get back to ya with what i can find out.

[AznTraitor]

You def need to get your name away from that car and loan. It would be in better interest for both parties to both come to an agreement and either just sell the car and split it down the middle and call it a day. OR hopefully you have receipts showing the $4000 you put down and whatever payments you made and take it all to an attorney and also inform them of the harassing grandmother who at this point it really not a player in the big scheme of things, it all boils down to you and the ex or whomever is on the loan paperwork with you.

First thing is first, the car needs to be off the road and not driven anymore until this situation is handled because you do not want something to happen to the car and be stuck with the bill. Call the family up and be polite about it first, and then if all else fails, you can threaten the family that you will notify the police that the car is stolen....granted this is mainly a scare tactic, but you could indeed do it as your name is on the loan and you have no idea on the whereabouts of your car and it will be a HUGE hassle for whoever is driving the car.

Gather up all documents ie: loan paperwork, payment receipts and or checks that have been validated for evidence. Make a note of every conversation from here on out with the family, and be sure to note the time/date and how the conversation went calm/friendly/violent. All cases that I have seen with my sister always boils down to evidence, notations, paperwork....if you want to take it that far, as long as you have every communication between yourself and the family notated, and they are the unwilling party, the judge will more than likely side with you, so be prepared.

You are the victim here, you got bullied by the grandmother....you are a single mother just trying to stay afloat, and you caved in because you were under enough stress as is....that is your story and stick to it.

unfortunately, my sister is an attorney here in Columbus and she'd be able to help you out if you were in Muscogee county because she's pretty well in with the DA, and Judges....and she would not have the time to work cases in ATL, but I'll see if she has any hookups that way.

seriously though......car is in your name, and you do not drive it, and don't know exactly who is or where it is....that's a HUGE problem.

[Friggintitsman]

Fvck it report that sh!t stolen.

[Ed]

you need to make sure all of the laws are the same but i had this same exact situation probably 5-6 years ago... you can repo a car if your name is on it - i was told at the time if you have your name on a title you have rights to the car. you can literally go pick the car up and do w/ what you will b/c your name is on the loan. i would call local PD to confirm also you may need to get w/ them to do repo...

unfortunately it was too late for me they had already had 4x 30 day late payments and 2x 90 day late payments... it will take 7 years to get this off your credit good luck.

this is what i was trying to to tell you earlier.

the car is in your name whether insurance is or not. its your car. just get it back, sell it, pay the financial institution and tada.

[Tiff-O-Bitties]

Okay.. Here's what I've done.

First, I called my insurance company to find out what to do. They were pretty much clueless, but they did tell me:

#1. You can not insure a vehicle that you do not own or is not in your name.
#2. I legally have to have MY name on that car since I am the co-borrower and in the paperwork from Wachovia it states my name must be on all paperwork regarding insurance.
#3. If the car is wrecked and myself or the ex isn't driving it, the car WILL be
covered IF there is a FULL-COVERAGE policy held on the vehicle AND the
person driving the car does NOT live with myself or the ex; however,
when or IF the case goes to court and the person driving the car can be
proven to be the main driver of the car, the insurance company will NOT
pay for the wreck no matter whos fault it may be. That's called Insurance Fraud and is frowned upon.
#4. I'm a complete dumbass for buying the car in the first place with a signer that is not family. (ie. Mom, Dad, Bro, HUSBAND, etc.)

Second, I contacted the dealership where I bought the car to get an additional key made. Unfortunately, I can not have a key made for the car w/o the vehicle present because the key has a chip that must be programmed to the car. (Bummer)

Third, I contacted Gainesville City Police Dept. I can report the car stolen and when they find it, they will have the vehicle towed to the local Chrysler dealership to have a key made (provided that the person driving the car is unwilling to give up the key).

Fourth, I called my father to ask him what to do. He was clueless as well; however, he said he will back me in this situation in doing whatever I need to do. (Gotta love dads!!) He told me to have all of my ducks in a row and be ready for a war.

Fifth, I called the angry grandmother. She refuses to answer all calls from me. I left her a calm message stating that she has 24-hours to return my phone call and that I wanted to discuss them refinancing the car, selling the car or trading the car and getting it out of my name. I stated that if she wasn't compliant with my demands that I will report the car stolen. I also stated that I received a letter from the finance company reporting that the payment for the month of September was late.

I've made sure that everything I'm doing is 100% legal (I have quite a few law school friends as well as friends that are attorneys). The police said they will escort me in doing whatever I need to do to get MY car back. I have all the records of the checks written when I bought the car initially, as well as the receipts showing that I traded my Cavalier on the car. I have the insurance paperwork showing the VIN number and the tag receipt from when I bought the first tag. Plus my ID to prove that the car is mine.

So now, it's a waiting game until 5 pm today.:yes:

[©hris]

get a lawyer

[Ran]

Sounds like you're getting things together. Good luck!

[XLR8NMR2]

Lawyer may cost alot and take a longggg time....

If the car/title is under your name that means you have 100% rights to it...If he were trying to sell it he would need the title along with your information.....

Reporting it stolen may not be a bad idea but if the cops find it they may press charges on whoever has the car.

Basically just get with the grandma or the ex and threaten legal action if the car isn't returned.....You don't want to mess up your credit!

[AznTraitor]

Lawyer may cost alot and take a longggg time....


Basically just get with the grandma or the ex and threaten legal action if the car isn't returned.....You don't want to mess up your credit!


sounds like she's already gotten the legal advice she needs.....but remember to take the ones who are in law school with a grain of salt as they have no real world experience and are text book knowledged only....that's why when they graduate, they get paid peanuts for their first few years.

Second, the grandmother can not and will not be held accountable in anything legal....her name isn't on any paper, she was just a third party who did the talking....this is between, Tiffany, her ex, and whomever has been taking over payments and driving the car.

The only reason Tiffany needs to talk with the grandmother is to get names and numbers....nothing else should really be discussed with grandma.

[Jaimecbr900]

As Paul said, you can technically repo the car yourself if you know where it is. If you have no written contract with whomever has possession of the car, then it's simply YOUR car. Personally, I wouldn't report it stolen unless it is last resort since you technically made a verbal deal with his grandmother. Now, since the "deal" was done with Granny, you could argue that since SHE is not the one making the payments nor driving it you could say that it is technically stolen too.

Personally.....I'd repo the car myself and call it a day. But repo'ing a car has to be done really quickly so they don't have time to either hide the car or tear it up. So I would do this like yesterday, Tiff.

When she doesn't call you w/i the 24 hrs you gave her, which she probably won't, I'd leave her another message telling her that you have reported the car stolen and whomever gets caught driving it will go to jail. Maybe that will light a fire under her and get her to give you the car back.

Getting the car back in your driveway is your best bet to get this cleared up. As long as it's in your name, other people don't have any incentive to make the payments on a timely basis.....there is no risk to them.

[Tiff-O-Bitties]

As Paul said, you can technically repo the car yourself if you know where it is. If you have no written contract with whomever has possession of the car, then it's simply YOUR car. Personally, I wouldn't report it stolen unless it is last resort since you technically made a verbal deal with his grandmother. Now, since the "deal" was done with Granny, you could argue that since SHE is not the one making the payments nor driving it you could say that it is technically stolen too.

Personally.....I'd repo the car myself and call it a day. But repo'ing a car has to be done really quickly so they don't have time to either hide the car or tear it up. So I would do this like yesterday, Tiff.

When she doesn't call you w/i the 24 hrs you gave her, which she probably won't, I'd leave her another message telling her that you have reported the car stolen and whomever gets caught driving it will go to jail. Maybe that will light a fire under her and get her to give you the car back.

Getting the car back in your driveway is your best bet to get this cleared up. As long as it's in your name, other people don't have any incentive to make the payments on a timely basis.....there is no risk to them.

That's my only prob. I have no key, although I do have a tow service... Plus, I don't have any clue where the car is!!!

[©hris]

...... kick that womans ASS!

[BobbyFresco]

Sounds like you have a hell of a game plan.
Get your car back, sell it, and be done with it asap.

[Jaimecbr900]

That's my only prob. I have no key, although I do have a tow service... Plus, I don't have any clue where the car is!!!

The key is not an issue once you get the car back in your side of the fence, so don't worry too much about that.

The finding the car??? Well, that's why I suggested using Granny to flush it out. She obviously knows who has it. So if you get her riled up thinking that whomever that is may get arrested for driving a "stolen" car, she may just give in and tell you where it's at or better yet.....tell her that if she doesn't want her "friend" arrested that he/she can just drop off the car and keys off at HER house and you'll come get it. No harm, no foul. If she doesn't go for that, just tell her you'll have whoever is driving the car when they find it arrested for car theft.

[©hris]

Hire a PI if you have the money. that could be cheaper than a Lawyer

[Tiff-O-Bitties]

The key is not an issue once you get the car back in your side of the fence, so don't worry too much about that.

The finding the car??? Well, that's why I suggested using Granny to flush it out. She obviously knows who has it. So if you get her riled up thinking that whomever that is may get arrested for driving a "stolen" car, she may just give in and tell you where it's at or better yet.....tell her that if she doesn't want her "friend" arrested that he/she can just drop off the car and keys off at HER house and you'll come get it. No harm, no foul. If she doesn't go for that, just tell her you'll have whoever is driving the car when they find it arrested for car theft.

That's my plan... Thanks!! If she wants to play hard ball, I'm game. I'm assuming she thinks I'm some young dumb kid and she can bully me again... I'm past that... :goodjob:

[NevrNufTorq]

btw, you have no verbal cantract with said grandmother if she gave the car to someone that is not on the loan :2cents:

hope this all works out, i would have one of your lawyer friends call the grandmother, she could be found partially liable if she gave the car to someone else and a call from a lawyer could 'scare' her into doing the right thing if the car is not in possesion of you or your former bf

[Vteckidd]

if you are on the contract/lease agreement, its yours.

PERIOD.

GO get the car back. Call the grandmother and say you want to pick the car up. If she gives you lip, hang up, go tothe house, and call the cops report it stolen.

Get the car back, turn it in, or sell it an profit.

/thread

[AznTraitor]

life lesson for everyone.


NEVER co-sign sh*t unless you are 100% sure this person has the cash to pay it or not a deadbeat.

I did this once, looooong ago for a buddy who wanted a CC with hifi buys so he could get a stereo, he had a job, known him for a while, but then he lost his job and got his phone turned off and basically stopped making payments....after the first call from the creditors, I hunted him down and pretty much took him straight to the bank so he could get a loan through his bank and pay off the hifi buys account and be done with it.

Never again have I ever put my name in sh*t for anyone.

[Vteckidd]

run a carfax, looks for last known area for emissions and ask the finance company who is making th payments writing the checks, maybe someone has an address :)

[NevrNufTorq]

if you are on the contract/lease agreement, its yours.

PERIOD.

GO get the car back. Call the grandmother and say you want to pick the car up. If she gives you lip, hang up, go tothe house, and call the cops report it stolen.

Get the car back, turn it in, or sell it an profit.

/thread

not a bad idea and the cops may get the grandmother to fess up to who she gave it to and then she would have a police report witht the grandmother involved to take to court or give to a lawyer :goodjob:

[Tiff-O-Bitties]

run a carfax, looks for last known area for emissions and ask the finance company who is making th payments writing the checks, maybe someone has an address :)

How do I get a carfax? Also, emissions aren't required in Gainesville/Hall Co, I do know the car is in Hall County.

I will call the bank and see if I can find out who's making payments and get an addy.

[Tiff-O-Bitties]

Called the bank. Unfortunately, it's what I expected. The checks have been written out of the company account (the company his grandparents own) BLAH!

[Vteckidd]

Tiff it really is a moot point.

The car is YOURS, the grandmother CANNOT HOLD IT FOR RANSOM.

I dont give a RATS ASS WHO SHE GAVE IT TO.

It would be like me loaning you my car, and then you saying its now yours.

As long as you signed NOTHING with the grandma, go to the grandmas house, call the cops, and say the car was stolen.

with any luck they will arrest HER.

I would say"i let a friend borrow my car and now she refuses to give it back to me".

She will HAVE TO GIVE UP THE LOCATION of the car to the cops.

CHA CHING ill be here all week

[Vteckidd]

i know what you are going through though i just broke up with my GF and shes being a raging ***** about paying me back the $2000 in deposits i laid down for our new apartment (that she now gets to live in)

Unfortunetly for her im evil, and always have an insurance policy :)

[Tiff-O-Bitties]

LOL.. I know.. I know.. But I want to stick to my word and wait til 5.

[QuickBrick]

Tiff call the insurance company that is listed for the vehicle, tell them that you are on the title and would like to know the address of the current policy holder. Being on the title they shouldn’t refuse the request and hopefully lead you to the car. If the address listed is the company writing the checks give me a call.

Tom

[Scrappy]

I can have a repo truck go to her house and demand unit. she wont want the embarrassment and disturbance of us sitting there. just let us know.

[Tiff-O-Bitties]

Tiff call the insurance company that is listed for the vehicle, tell them that you are on the title and would like to know the address of the current policy holder. Being on the title they shouldn’t refuse the request and hopefully lead you to the car. If the address listed is the company writing the checks give me a call.

Tom

Tom, I would LOVE to, but I don't know which insurance company insures the car, and according to Wachovia, there isn't a policy... I tried that.

Krissy - Lets do it!:D

[B18c1Turboed]

Well what happens if the Ex is driving the car? Their is nothing you can do, since you ar both the owners! I would have never given them the car to begin with,unless they returned all your money!

But if her Ex has the car then it will be a civil matter, you cant take something away from another tited owner!!

I think your best bet is try to locate the car, and go take it!! And make him fight you in court, eighter way i see this becoming a civil matter, and thats what the police are going to end up saying, since their are 2 owners on the title and you are 2nd.

[B18c1Turboed]

Tiff call the insurance company that is listed for the vehicle, tell them that you are on the title and would like to know the address of the current policy holder. Being on the title they shouldn’t refuse the request and hopefully lead you to the car. If the address listed is the company writing the checks give me a call.

Tom


Wrong! We cant not disclose no information, you must be a policy holder. They can get in real trouble by ithe insurance commissioner office, if they give you info.and not being listed on the policy!!

[RandomGuy]

cav e r, if you know the owner's full name just post it up

let teh cybersleuths on IA do the dirty work and locate the car ;)

[Julio]

Well what happens if the Ex is driving the car? Their is nothing you can do, since you ar both the owners! I would have never given them the car to begin with,unless they returned all your money!

But if her Ex has the car then it will be a civil matter, you cant take something away from another tited owner!!

I think your best bet is try to locate the car, and go take it!! And make him fight you in court, eighter way i see this becoming a civil matter, and thats what the police are going to end up saying, since their are 2 owners on the title and you are 2nd.


The only good advice given in this thread.



The only right you have is.. go and get the car.. and keep paying for it. you cant refi without your ex.

But your ex has it.. Nothing you can do... If your ex has it.. you can't repo it of him.. You will be in trouble even though you are on the tittle. So you have to be careful if you going to take the car though.. make sure is not your ex driving it. Why would you get in trouble, because you are the co signer... Youre the person who basically guaranteed the loan and responsible for it. If you cant pay as the co signer cars get rep'd by bank.

You are stuck.... even if you go get the car.. you can't do **** without the ex.. you cant sell it, you cant refinance it... only thing you can do is pay for it.

Yeah, you can go to civil court.. nothing will happen.. yeah, you can get a lawyer..nothing will happen... a contract is a contract..

ONly way out is to refinance it...and you are going to need your ex for that.
You can def get the car though...


How I know.. I'm in similiar situation.... but I have the car.

Chalk it up as a lesson learned....

[LaurenK]

Long story short: Bought a car with the ex... :rolleyes: Both of our names are on the car, I'm the co-signer. When we split, his GRANDMOTHER harrassed the **** out of me to give the car back (even though I made the payments AND put $4 G's into the damn thing as the down payment)

I got tired of the harrassment and dropped the car off. The next day, she gave it to someone else, they "took over the payments;" however, the car is still in MY name... (Keep in mind, his grandmother's name is NO WHERE on that car) They are always late, but never 30 days. I'm scared they are going to fucc up my credit and my car is about to go ku-put and can't get another loan because that car is still on my credit...

Also, I don't have insurance on it, the ex does. Should I call my insurance company to find out what I need to do?

What can I do? Can I report it stolen without having insurance?!

I would contact the finance company and get taken off of the car immediately (if at all possible - I don't know how those things wk)! Sometimes, you just have to eat the money. I have a friend who shared a Best Buy card with a Boyfriend...when they broke up, she went to take him off of the card, but he had already purchased a 50inch name brand TV. She was contemplating fighting him on it, but since he is psycho and she wanted him out of her life for good, she decided to just pay it off to be done with it. it sucks, but eat the 4k, get your name off of the car, and go and finance a new one if you need another car. Hope you get through it!

[B18c1Turboed]

I would contact the finance company and get taken off of the car immediately (if at all possible - I don't know how those things wk)! Sometimes, you just have to eat the money. I have a friend who shared a Best Buy card with a Boyfriend...when they broke up, she went to take him off of the card, but he had already purchased a 50inch name brand TV. She was contemplating fighting him on it, but since he is psycho and she wanted him out of her life for good, she decided to just pay it off to be done with it. it sucks, but eat the 4k, get your name off of the car, and go and finance a new one if you need another car. Hope you get through it!


Getting taken off an Auto loan isn’t easy,. There is a reason he needed a co signer. Basically his credit sucked or he didn’t make the income. I’m sorry but when dating someone if eighter one of those are a problem. LEAVE THEN.

obviously 1 he don’t make any money or 2 he isn’t responsible to pay his stuff on time anyways!!

Never co-sign unless you married!!

And as far as Lauren , yes you could remove him if he was a Authorized User, but if that card was in his name also.. Good luck!!

[buddha@TeamFX]

Tiff...I don't know if you've thought about it...But the grandma likes me...remember I might can talk to her and find out something. Plus I'm pretty sure I know who has the car and where they live.

[PRiMAdonna]

Contact an attorney.

They will probably try to help you get the car back or help you sue the ex for the down payment & any other money you put into the car. The finance company won't "take your name" off of the contract until it is financed through someone else. So if your ex leaves the car under his name, your name will always be on there as the co-s. And also, if the person they are "letting make payments" on the car defaults, it will mess up your ex's credit before it will mess up your credit. They will try to get the money out of him first before they try to get it out of you.

Good luck, but I would at least CONSULT with an attorney & explain the situation to find out what the best course of action to take will be..

[Tiff-O-Bitties]

Okay... pretty much, the cop I talked to was a dumbass... made a report and called me this morning to tell me that we can't play the stolen car game b/c technically the car isn't stolen.

I have to contact a civil attorney, which I have done. He is calling me back in a few minutes so I can schedule an appt. I will fill everyone in when I find out more.

Also, the ex doesn't have it. I know that for sure.

Chris, talk to her - see what you can find out... I don't dare step foot on that property, she'll shoot me!!! LOL!

[B18c1Turboed]

I have to contact a civil attorney, !

JUst like i stated yesterday, this will turn into a civil matter!!!

[Vteckidd]

the hell its not stolen!

Call the grandma, say you want your car back, record it.

If she refuses, then call the cops and say "I WANT TO REPORT MY CAR STOLEN, I LET SOMEONE BORROW IT AND THEY WILL NOT GIVE IT BACK TO ME"

get car back

take pics of stupid granny

????

profit

[B18c1Turboed]

the hell its not stolen!

Call the grandma, say you want your car back, record it.

If she refuses, then call the cops and say "I WANT TO REPORT MY CAR STOLEN, I LET SOMEONE BORROW IT AND THEY WILL NOT GIVE IT BACK TO ME"

get car back

take pics of stupid granny

????

profit


How is it stolen, if her ex let the grandmother or the other person borrow it? Its still his car also. And he can let who ever he wants drive it. Its not stolen just becasue she doesnt know who has it, she should be talking to her EX not the grandmother!!

[Tiff-O-Bitties]

How is it stolen, if her ex let the grandmother or the other person borrow it? Its still his car also. And he can let who ever he wants drive it. Its not stolen just becasue she doesnt know who has it, she should be talking to her EX not the grandmother!!

BUT I CAN'T GET AHOLD OF THE EX!!! :no: :doh:

[B18c1Turboed]

BUT I CAN'T GET AHOLD OF THE EX!!! :no: :doh:


Ok what says he dont have the car? or let someone borrow it? Im sorry but all you can do is hire a lawyer and force him to return your money or the car.

its a suxy situation, only other option is you have to go take the car,from whoever has the car and make them fight you for it,but it will be in your possesion then! Thats what i would do.. I wouldnt contact them anymore i would just try to locate the car!!!

[PhatbacK]

tiff I say you just blow the damn thing up!! :ninja: ooorrrr hire someone to steal it and drive it off a cliff or something!

[AznTraitor]

BUT I CAN'T GET AHOLD OF THE EX!!! :no: :doh:


Talk to Buddha@TeamFX? I mean, he offered? Right now you need to focus all your energy on Buddha for getting the info you need since he's in good with the family and will lead to the whereabouts of the ex and then the car. It's obvious Grandma is not going to budge, because your deadline was 5pm yesterday and she could give a crap.


My suggestion, CONTACT BUDDHA@TEAMFX get a plan together with him at this point.

[Tiff-O-Bitties]

Ok what says he dont have the car? or let someone borrow it? Im sorry but all you can do is hire a lawyer and force him to return your money or the car.

its a suxy situation, only other option is you have to go take the car,from whoever has the car and make them fight you for it,but it will be in your possesion then! Thats what i would do.. I wouldnt contact them anymore i would just try to locate the car!!!

I know he doesn't have the car because his GRANDMOTHER gave the car to her neice along with my $9000 engagement ring. That's how I know.

I am awaiting the phone call from the attorney.

[Tiff-O-Bitties]

tiff I say you just blow the damn thing up!! :ninja: ooorrrr hire someone to steal it and drive it off a cliff or something!

Kali, you crack me up and that'd be a brilliant plan, but my biggest issue is that I DON'T KNOW IF IT'S INSURED!! LMAO... I would hope and pray that it is, but that's why I need to take action sooner than later! The bank has no record of insurance after I took it off in February when I gave the car up and they will take the car if the insurance info isn't called in!!!



Talk to Buddha@TeamFX? I mean, he offered? Right now you need to focus all your energy on Buddha for getting the info you need since he's in good with the family and will lead to the whereabouts of the ex and then the car. It's obvious Grandma is not going to budge, because your deadline was 5pm yesterday and she could give a crap.


My suggestion, CONTACT BUDDHA@TEAMFX get a plan together with him at this point.

I talked to Chris (Buddha) last night.. he's my best friend.. he knows what's up and is working on it too. Thanks for all of your advice!

[AznTraitor]

I know he doesn't have the car because his GRANDMOTHER gave the car to her neice along with my $9000 engagement ring. That's how I know.

I am awaiting the phone call from the attorney.


jesus....$9k ring? I surely hope it wasn't your money or credit that bought that ring.

Waiting on that attorney will not do much because it'll be held up in litagations with he said/she said, it can be delayed to the moon and back because one party can't make appearances....all while racking up legal fees...

edit in***
BINGO, you are in business....the Niece has the car, so just need to find out where she is and where she works or what she does....and get Scrappy's company to go get it.

[Tiff-O-Bitties]

jesus....$9k ring? I surely hope it wasn't your money or credit that bought that ring.

Waiting on that attorney will not do much because it'll be held up in litagations with he said/she said, it can be delayed to the moon and back because one party can't make appearances....all while racking up legal fees...

LOL... yes, it was beautiful.. here's a pic.. right at 2 cts... platinum and diamonds (with lil' footballs, lol!) No it was his grandmother's credit, lol!

I still can't do anything until I press charges in court and I am not going in without an attorney!

Sorry - the car and the ring... pics.. had to resize!

[PhatbacK]

[QUOTE=Cav-E-R]Kali, you crack me up and that'd be a brilliant plan, but my biggest issue is that I DON'T KNOW IF IT'S INSURED!! LMAO... I would hope and pray that it is, but that's why I need to take action sooner than later! The bank has no record of insurance after I took it off in February when I gave the car up and they will take the car if the insurance info isn't called in!!!




Ugh ****ty. why do ex's have to be an everlasting pain in the ass! its alllwaayyss something. hope you get it all figured out! god knows you want to avoid having to go to court and all that crap!

[AznTraitor]

I still can't do anything until I press charges in court and I am not going in without an attorney!


Okay...first, what are you pressing charges for? Stolen Property? Theft by taking? those will not bide well since he is on the loan too.

After all that has been said and done, you really only need to get an attorney to represent you and draft a binding contract that is reasonable for you and the ex on how to handle the car, either selling it and split the money , or he and the grandma/niece re-fiance the car without your name...

so find where the niece has the car, get scrappy to go repo it and hold it at their lot, call grandma/niece/ex to meet at said attorney's office and have meeting and lay the plan out.

a reasonable attorney will only charge you $125 an hour which you can have the attorney draft up that they will pay half the charges since they made it come to this.

[Tiff-O-Bitties]

Okay...first, what are you pressing charges for? Stolen Property? Theft by taking? those will not bide well since he is on the loan too.

After all that has been said and done, you really only need to get an attorney to represent you and draft a binding contract that is reasonable for you and the ex on how to handle the car, either selling it and split the money , or he and the grandma/niece re-fiance the car without your name...

so find where the niece has the car, get scrappy to go repo it and hold it at their lot, call grandma/niece/ex to meet at said attorney's office and have meeting and lay the plan out.

a reasonable attorney will only charge you $125 an hour which you can have the attorney draft up that they will pay half the charges since they made it come to this.

I'm not exactly sure what I need to do, that's why I'm waiting on him to call me back and tell me what I'm pressing charges for... (I'm really clueless when it comes to law stuff... I majored in psychology and journalism, lol!)

[Kasper]

Hey gurly.. Im sorry that your goin threw this.. I wish there was something i could do.. (cleans sniper rifle). But i know that the lawyer should help ya out with some things to do in order to get the car back. (pulls out ghillie) It may take time to get everything worked out (puts on BDU's) But in the mean time find out all ya can about where the cars at and get everything ready for civil court (jumps in truck and heads north)! I hope that ya get things worked out.

[Vteckidd]

Ok what says he dont have the car? or let someone borrow it? Im sorry but all you can do is hire a lawyer and force him to return your money or the car.

its a suxy situation, only other option is you have to go take the car,from whoever has the car and make them fight you for it,but it will be in your possesion then! Thats what i would do.. I wouldnt contact them anymore i would just try to locate the car!!!

i totally agree with you, but you can still make it a living hell for them.

you just have to play dumb. dont tell them the full story.

"I let someone borrow the car, not they cant locate it and they wont give it backl"

Then do as Azntraitor said, repo that ***** to an impound lot

[B18c1Turboed]

How much do you owe on the car? And if there is no insurance on it, you are screwed .WHy? becasue you will be liable if any accidents occurs.

Meaning you will be sued, go too tag office and they can tell you if the car has insurance on it. Since the state requies insurance to be downloaded to them.
They cant see with what comapny,but they can see if it has insurance.

Something you can do, go too tag office and suspend the tag, and whoever gets pulled over will get arrested for driving with no registration. Go tell them the car is broken down and you would like too suspend the tag for the time being.And the car will get impound!

[AznTraitor]

I'm not exactly sure what I need to do, that's why I'm waiting on him to call me back and tell me what I'm pressing charges for... (I'm really clueless when it comes to law stuff... I majored in psychology and journalism, lol!)


Okay....I think you need to drop the pressing charges line...don't mention that to the attorney anymore.

Do you know this Attorney ie family/friend referal? or was it just someone you found on your own with no prior dealings before?

You need to tell them you need representation and a legal contract that is removing you from a co-signed loan between yourself and ex with a reasonable timetable and that the car will not be driven anymore until the matter is resolved. Don't worry about all the details and over loading the attorney, just get the straight points and facts across. You can then make this a civil case if they sign and break the contract or pass the timetable dates.

What you can bring to the table...
1.)you have a company (Scrappy's) that will take the car and hold it until it is all dealt with
2.)receipts of the downpayment you made, and first few payments
3.)dates/times you have tried to make contact with ex with no action

have everything done at the attorney's office, ie meetings and contract signing.

[Tiff-O-Bitties]

Okay....I think you need to drop the pressing charges line...don't mention that to the attorney anymore.

Do you know this Attorney ie family/friend referal? or was it just someone you found on your own with no prior dealings before?

You need to tell them you need representation and a legal contract that is removing you from a co-signed loan between yourself and ex with a reasonable timetable and that the car will not be driven anymore until the matter is resolved. Don't worry about all the details and over loading the attorney, just get the straight points and facts across. You can then make this a civil case if they sign and break the contract or pass the timetable dates.

What you can bring to the table...
1.)you have a company (Scrappy's) that will take the car and hold it until it is all dealt with
2.)receipts of the downpayment you made, and first few payments
3.)dates/times you have tried to make contact with ex with no action

have everything done at the attorney's office, ie meetings and contract signing.

Right. Will do. Thx.


How much do you owe on the car? And if there is no insurance on it, you are screwed .WHy? becasue you will be liable if any accidents occurs.

$15k - I am very familiar with the laws of owning a financed vehicle (this isn't my first rodeo!!!) and having FULL-COVERAGE insurance on the car.

Read 1st post, please.:goodjob:

[B18c1Turboed]

Right. Will do. Thx.



$15k - I am very familiar with the laws of owning a financed vehicle (this isn't my first rodeo!!!) and having FULL-COVERAGE insurance on the car.

Read 1st post, please.:goodjob:


You are aware of the laws? But you gave the car back!! Doesnt make sense to me,but OK!!

[Kasper]

just wondering.. um can he get on here and read this at all?? Cause i mean if he knows whats goin on it'll give them time to do whatever. and then you'll be on a level field which is what you dont really want seeing as he holds the car.

[Tiff-O-Bitties]

You are aware of the laws? But you gave the car back!! Doesnt make sense to me,but OK!!

No no... I was bullied out of the car because at the time I was uninformed about the laws.. NOW, I know.;)

[Tiff-O-Bitties]

just wondering.. um can he get on here and read this at all?? Cause i mean if he knows whats goin on it'll give them time to do whatever. and then you'll be on a level field which is what you dont really want seeing as he holds the car.

Nah... He doesn't use the comp. much.. (He's not that bright!)

[Kasper]

Ok just checking..

[Julio]

A LAWYER CANT DO ****.. GO TO COURT ALL YOU WANT..... DON'T WASTE YOUR TIME. THATS IF YOUR EX HAS THE CAR..... IM TELLING YOU.. DONT BELIEVE ME? GO AHEAD , GO TO COURT.. NOTHING WILL HAPPEN.

[Julio]

You have a better chance at this :

1 - Go get the car..

2- Keep it for 2 month

3- Get insurance and make the car payment for 2 month aswell as the insurance.

4- Then throw the mofo into lake lanier

5- report it stolen

6 - hopefully you have Gap or are not upside down


7- Let insurance handle the claim



haha, I know is crazy.. but your only hope.. lol

[alpine_aw11]

http://i34.tinypic.com/bdv1ur.jpg

[Tiff-O-Bitties]

You have a better chance at this :

1 - Go get the car..

2- Keep it for 2 month

3- Get insurance and make the car payment for 2 month aswell as the insurance.

4- Then throw the mofo into lake lanier

5- report it stolen

6 - hopefully you have Gap or are not upside down


7- Let insurance handle the claim



haha, I know is crazy.. but your only hope.. lol

haha, I read your ummm, LARGE post -

THE EX DOESN'T HAVE THE F-ING CAR FOR THE 50TH TIME!!

Sorry, had to!!! I do have GAP and I've never been upside down in the car because I put so much down...

[Friggintitsman]

No no... I was bullied out of the car because at the time I was uninformed about the la[img]ws.. NOW, I know.;)


http://sub2change.com/wp-content/uploads/2007/07/the_more_you_know2.jpg

[B18c1Turboed]

haha, I read your ummm, LARGE post -

THE EX DOESN'T HAVE THE F-ING CAR FOR THE 50TH TIME!!

Sorry, had to!!! I do have GAP and I've never been upside down in the car because I put so much down...



AND NEIGHTER DO YOU!

[Julio]

haha, I read your ummm, LARGE post -

THE EX DOESN'T HAVE THE F-ING CAR FOR THE 50TH TIME!!

Sorry, had to!!! I do have GAP and I've never been upside down in the car because I put so much down...



Neither do you... Im just saying your ex.. because you cant do NOthing without your ex.

Only thing you can do is go repo the car from the person who has it. BUT... BUT.. If its beeing payed on time, your ex can simply say he was making the payments and take back from you LEGALLY. Because he is the main guy in the contract.

Seriously.. You might as well.. hold on tight ;)