Titlemax / TMX Finance

My name is Melissa Muse and I am a single mother of three children, one of which is disabled. Over the course of this past year I was diagnosed with Type 2 Bipolar Disorder, with hypo manic episodes, currently depressed. Along with osteoarthritis of the hip and lower back. With these two combined I have become disabled, so I currently live off a very tight budget. With that said I needed go to Titlemax. I have become late and was sent out a Right to Cure letter, the letter had a payment deadline of December 8, 2015. On December 1, 2015 I sent the payment requested in the letter via Western Union. It has been a very crazy 2 weeks here in our household and didn’t even think about calling to make sure they got the payment. I used my account number on the Western Union website and made my payment. On December 12, 2015, I went to leave for the store to find my car gone. Before calling the police I called Titlemax of Columbia Missouri. They informed me that they needed to research my claim about my payment and stated that I needed to call them because they didn’t know I sent a payment in. I’ve used Western Union BillPay for a long time and have NEVER encountered an issue like this. The company’s website states that they “conveniently accept” Western Union payments and nothing stating to call after I paid. They researched the issue and noted that I paid on the 1st. They also told me because I didn’t call them they are keeping my car as a repossession. This car is our families’ livelihood, on top of taking myself to the doctors frequently I also need to transport my disabled son and my other three children to doctors’ appointments. I don’t have immediate family here in Missouri and am very much alone with just my kids. I am disappointed that a company this size doesn’t have their payment options more organized. There is only ONE corporate office in this company and someone had to set up the Western Union account meaning that someone must also receive notification when monies are received. Everyone does, for one thing or another. I believe that my rights under the Missouri Statue 408.555.1 were violated, I paid the outstanding amount stated on the Right to Cure letter before the date given and they still repossessed my car. When Titlemax was aware a payment had already been made to their company, my car should have been RETURNED. It’s 2 weeks before Christmas with addition, I have to transport my disabled son to Denver to meet up with his activate military father, who only sees his son 3 times a year. I have NO idea how I am going to get to the airport now and have no way to purchase groceries or pick up medications at this point. Titlemax has left our family in a very horrible situation as well as broken the law. I need someone to help me fight this company since they feel they are above the law.