Citifinancial Auto — Citifinancial auto breaks the law with reposessions
After losing my job, and then my husband walking out on me, things got a little behind. I continued to look for work, but nothing permanent came up except for temp jobs here and there.
I don't dispute that the car note was behind (588/mo), but I am upset about Citifinancial not adhering to things that they've told me they would/could do to help me.
Yesterday I was in the shower when I heard a loud banging somewhere in the house. I live in a duplex and figured it was someone for the people upstairs, and I continued to shower.
My bathroom is directly across from a short hallway leading to another small room at the back of my house, where there is a back door. I had come in from taking out trash (which turned into a messy situation) and jumped right into the shower, not taking any heed to the door that was left unlocked, or ajar.
Imagine my surprise when I suddenly hear a man's voice in the back room! I jerked open the curtain and he apologized, and turned around (I don't know if he went back outside but I continued to hear knocking). I got out of the shower, scared out of my mind, and put on my robe and went to the door.
It was Citi's repo guy. He'd been advised to come get the car because, according to the information that was faxed to him, "she has no job and no prospects, and is not looking for work, and cannot afford the car that she has). Sidenote: 588/month for a mazda is a bit steep; i found out later that at the time I purchased the vehicle, the dealership "padded" my income.
Anyway. Not a week earlier I'd spoken to the lady that I"ve been keeping up with since my husband walked out on me, and she told me that there was no repossession on my vehicle, bla bla bla...but this guy, who wore a badge on his hip (but was NOT a sheriff or marshal) said otherwise.
I called Citi and asked what I was supposed to owe.
The rude ***** that I got ahold of this time asked me, "so what is it that happened to make you get behind like this?" I asked, politely, if she had notes on my account, I didn't want to get back into it. She told me "if you aren't going to answer my question, I'm not going to help you." I told her that it wasn't that I didn't want to tell her, but some of it was rather painful and I didn't want to rehash it all again when I'd been in contact with the previous lady.
She told me, "well, SHE'S not going to give your car back to you, I am, and I don't like your attitude."
So I went back into the story of my husband leaving me and losing my job, etc etc.
They tell me an amount approximately 1000.00 higher than what I was advised when I spoke to the lady I'd been talking to, PLUS I'd have to pay 500.00 in repo fees.
My mind was swimming, but all I could think of was getting them the money. You need a car to get a job, and I don't live on a public transportation line.
This "woman" goes on to ask me, "well, if you don't have a job, how are you going to pay for this car?
Even if you paid it all right now, I wouldn't give your car back without you having a job."
I didn't know what to say because I didn't think it was any of her business how I got the money. I could be hooking on the corner (WHICH I AM NOT), but as long as they get their money, who cares?
I told her I was with several temp agencies and had a temp job lined up next week, and she laughed under her breath. Then she told me that she didn't care, I needed to prove to them I had stable employment, and I would need to fax Citi something showing, on company letterhead, that I had a job.
I called a lawyer after I calmed down from being violated and, I feared, robbed (who walks into a woman's house and stands there while she's naked?? COME ON), and they told me that there was nothing legal in how the repossession was handled.
Normally, I would have signed NOTHING, but I was so addled after what happened, I wasn't thinking clearly. The lawyer told me that that's what the guy was trying to do.
Can anyone tell me if it is legal to deny someone their vehicle for not having a job, even if they pay ALL the past due, repo fees, etc ?