View Full Version : Car repossession/ bank advice needed
crashdown
07-07-2016, 01:17
So.....
I paid off a loan on my car with Bellco about 10 months ago, and closed the token savings account I had with them to get the car loan at the same time. I've since re-titled the car here in AK.
Needless to say I was little less than happy when a wrecker showed up in my driveway this evening to repossess my Xterra under direction from Bellco.
I showed the repo guy the title, and pulled a copy of my credit report showing the loan was paid in full and closed. He was cool, and took off asking me to call him tomorrow once this is straightened out.
My concern is that Bellco is such a fucked up, incompetent business, I won't be able to clear this up to a point that I will be comfortable it won't happen again. They haven't tried to contact me once, not that I owe them anything, so I will not be able to assume this won't happen again regardless of what I'm told tomorrow.
Anybody have any idea who I could get in touch with first thing tomorrow to bring the hammer down on Bellco? As far as I'm concerned, this is attempted robbery, but I'm sure local law enforcement won't see it that way when I report it here tomorrow, nor would they have any jurisdiction over a Colorado bank.
crashdown
07-07-2016, 01:32
Did you get a copy of the repo paperwork? It might have some contact info.
All it had was Bellco and a phone number.
Like I said, l will call Bellco, but they are idiots who hate their jobs and won't be able to give me any real answers.
There is a reason they are the poorest rated bank in Colorado. Even if I do get somebody who says "oops, we shouldn't have done that", that will do nothing to ease my mind that I won't find my car gone in another 10 months.
The way I see it, whatever triggered them to repo a car that they don't own 10 months later without any notice whatsoever, and in another state, could happen again anytime regardless of what happens with them tomorrow.
BTW.. They had to look for me, because I didn't give them any forwarding info whatsoever, the account was closed before I sold my CO home.
crashdown
07-07-2016, 01:51
One of my primary concerns is that it gets towed away when I'm not home. I might have the title, but that's not gonna do me any good if the vehicle gets shipped back to the lower 48.
I think I'd call Bellco before you work yourself up too much about other possibilities.
BPTactical
07-07-2016, 05:45
I think I'd call Bellco before you work yourself up too much about other possibilities.
This. Did you have a contact with the CU that you dealt with frequently? If so call them.
Documentation is your friend, call motor vehicle down here as well and both the CU and motor vehicle should have a copy of a "Release of Lien" letter that was sent when the loan was satisfied.
It's a paperwork SNAFU, nothing more.
Be firm but courteous. It's not personal against you, it's business.
sneakerd
07-07-2016, 07:19
Agree totally with BPTactical. Get your paperwork in order and get over it. As someone who was in the repo business for 25 years, I know what I'm talking about. You should hope they come and take it after you paid it off- because that's a wrongful repo, then you can hire a lawyer, you'll get your car back and you'll get a settlement out of it far in excess of the value of the car. It's business.
All it had was Bellco and a phone number.
I'd have taken pics of the tow truck and it's plates, the driver and any documents he had.
No advice but just another person who hates Bellco. I have ENT personally already but a dealer I purchased a car from filed my loan with Bellco because "they could get me a better rate". I paid that loan off and I never received the title at all. Had to got the dmv and file a list title paperwork.
Martinjmpr
07-07-2016, 08:07
I would also pull your credit report. If it's showing a repo then that could hurt your credit. Get that squared away ASAP.
I'd call Bellco and firmly demand a letter stating the vehicle was paid off with date of payment to protect future repossessions. I'd also firmly demand a copy of the letter they are to send TODAY to the repo company stating an error was made and not to repo the vehicle. If they can't provide these documents in a timely manner (same day) I'd contact the local State agency that regulates this type of thing. In Colorado that would be Dora (Dept of regulatory affairs).
I'd also call the repo company and provide them a copy of the title and put them on notice that you own the car. You appear to live in a fairly low population area, if there are other repo companies a call to them might be worthwhile.
If the vehicle does not already have it I'd install an alarm system with motion detection. A cost to you of course but it you feel there is a legitimate risk of a 2nd repo attempt this might help save days without the vehicle and numerous of costs and hassles.
Sorry to hear of this problem.
OneGuy67
07-07-2016, 08:34
I think I'd call Bellco before you work yourself up too much about other possibilities.
Good advice.
I would also pull your credit report. If it's showing a repo then that could hurt your credit. Get that squared away ASAP.
+1 on this. Defiantly make sure they didn't get it on your credit report.
spqrzilla
07-07-2016, 10:02
Credit Unions are regulated by NCUA
http://www.mycreditunion.gov/consumer-assistance-center/Pages/default.aspx
But also contact Alaska attorney general office.
crashdown
07-07-2016, 10:14
Called Bellco.
They say I owe 4000 dollars still on the car loan.
I told him that is not true, I asked him to look up Sept 2015 records where it shows I paid it off with a payment of around 10k dollars.
I told him that I have the title that Bellco mailed me, signed release of lein, and up until I got the AK title I had a separate letter showing I had fulfilled my obligation to Bellco.
He said Bellco will not mail anything to me regarding this dispute including something showing or proving I owe the money. I obviously can not log into a closed account to see activity. I might have screwed up by saying that Bellco would have reported to my credit report if I had not paid for almost a year, which they haven't because I don't owe them anything.
crashdown
07-07-2016, 10:19
Credit Unions are regulated by NCUA
http://www.mycreditunion.gov/consumer-assistance-center/Pages/default.aspx
But also contact Alaska attorney general office.
Called them, they only deal with Fed credit union, not state.... Calling DORA now
If you received the title they should not be able to repossess it. Check with the local authority that regulates repossessions, I don't think they have authority to repo if they do not have a lien on title. Did you receive the original Note when you paid it off, they should have given it to you.
You are entitled to copies of documents so unsure why they won't send them. Ask for Note, Security Agreement, title, and accounting at minimum.
crashdown
07-07-2016, 12:15
If you received the title they should not be able to repossess it. Check with the local authority that regulates repossessions, I don't think they have authority to repo if they do not have a lien on title. Did you receive the original Note when you paid it off, they should have given it to you.
You are entitled to copies of documents so unsure why they won't send them. Ask for Note, Security Agreement, title, and accounting at minimum.
I have free and clear title. This is getting so complicated. While understand that they "can't" repo when I have free and clear title, it sure didn't stop them from trying. I paid 8500 of the loan on CC for miles. Bellco is saying that 4 months later I reversed 4000 of the charges. I didn't, my CC company says I didn't, and that they have paid Bellco the 8500. Now I gotta try doing a 3 way call with Bellco and the CC company. I'm sure I am just wasting my time until I pony for an attorney.
Most of the bad reviews about Bellco are regarding paying off auto loans, seems to be their thing to do stuff like this.
spqrzilla
07-07-2016, 12:35
Called them, they only deal with Fed credit union, not state.... Calling DORA now
That's odd. Bellco says its regulated by NCUA on their own website.
newracer
07-07-2016, 12:42
Might be easier to just sell the vehicle.
http://www.aapsonline.org/judicial/telephone.htm
Note alaska is a single party consent state. I suggest you record the calls
Zundfolge
07-07-2016, 13:12
I can't imagine that there are very many repo companies in Tanaina, Alaska. Maybe send each of them a registered letter with copies of your lien release and such with a letter explaining that you're dealing with an idiotic credit union that doesn't know their backsides from a hole in the wall. At least this way they won't actually come take the vehicle should they get another copy of a repo order from these idiots.
crashdown
07-07-2016, 13:17
I can't imagine that there are very many repo companies in Tanaina, Alaska. Maybe send each of them a registered letter with copies of your lien release and such with a letter explaining that you're dealing with an idiotic credit union that doesn't know their backsides from a hole in the wall. At least this way they won't actually come take the vehicle should they get another copy of a repo order from these idiots.
The tow truck guy said he was the only ARA certified recovery guy in the state and he was 100% sure that this had to go to an ARA certified company. He said he won't come back.
crashdown
07-07-2016, 13:21
That's odd. Bellco says its regulated by NCUA on their own website.
They are insured by NCUA, but not regulated by them.
http://www.aapsonline.org/judicial/telephone.htm
Note alaska is a single party consent state. I suggest you record the calls
Does this include across-state-lines phone calls? Seems like something to confirm before he catches a wiretapping charge.
Does this include across-state-lines phone calls? Seems like something to confirm before he catches a wiretapping charge.
Depends on what state the other party is in. If in Colorado, you're good.
I fought with them for 4 years over a loan they said I had a late payment on - 2 years after the loan was closed. Dinged my credit report and I fought it. They filed paperwork that said they were correct and the credit agencies believed them (even though I had a copy of every payment and every statement). Finally took some aggressive legal action to get them to fix the mistake.
Fuck those guys.
I've never had an issue with Bellco, but I've also never had a vehicle loan with them. I have noticed that Bellco isn't quite as "exclusive" as I was under the impression that it as supposed to be. Probably why I was able to get an account there.
I've never had any real issues with Bellco. Had a car loan through them that we paid off last year, no issues. On the new vehicle that we financed last year, the dealer was able to get financing at a better rate than Bellco could, so I'm not enamored with them. Their operation seems to be pretty much a 'mom & pop' type of banking institution with less than stellar customer service. I've pretty much stopped using their Visa for our Chase Visa that gives us cash back, 24/7 customer service, and works with Samsung Pay.
I had this happen with Wells Fargo and the first car I ever financed almost 18 years ago... I paid it off with a wad of cash at the teller, and then a repo guy shows up almost a year later at my job trying to get my car. Luckily my grandma who cosigned for me still had the receipt from the teller. I made a very big deal about it at my local branch... was almost kicked out actually. The manager sat with me for a few hours going over everything. They were actually arguing with me about it being paid off even though I had the teller printed receipt and my title. It was unbelievable. I was never able to sway them and they said they would eventually get my car. So I told them they'd have to deal with someone else about it because I was getting rid of my car to a dealership. Talk about pissing them off... That was the first and last time I ever financed a car. I traded straight across for my first truck. I never heard a thing from the dealership that I traded it to so I assume that nothing ever came of it from Wells Fargo, or the dealership told them to pound sand.
crashdown
07-08-2016, 13:15
So after dealing with Bellco most of the day yesterday, their story is that 4 months after ( they had an exact day of Jan 8th) I paid off my loan, I reversed 4000 dollars of the payoff with my credit card company. After a three way call with the credit card company and sending Bellco my credit card statements, I feel like that was pretty easy to disprove.... Almost too easy.
So when I called today for an update, I got the run around, but it was very clear they are about to drastically change their story about why they think they should be allowed to repo my car. The guy started mumbling something, but said he couldn't talk about it like his team hadn't quite come up with a good story yet. Now it would be great if they would have given me something in writing so I could show whatever powers that be that they are changing their story, and obviously willing to make something up to fit their agenda... But nope.
So... Anybody have an answer on how long Bellco keeps their surveillance footage?
Sounds like it's time to have an attorney have a chat with their legal department.
crashdown
07-08-2016, 13:48
Got an attorney this morning.
She isn't really sure what to do as Bellco hasn't really given me any written notification of debt.
She is gonna start by firing off a letter, but again, not entirely sure what she is disputing.
I just called back and recorded the conversation. Guy said he wasn't really sure why Bellco thinks they are owed 4K. He said yesterday they believed it was because of a credit chargeback, but now they are researching. I grilled him about trying to repo a car when they were not even sure why I owed the money. He agreed that didn't seem right. He aknowlegded on the recording multiple times that they have not and will not send me anything in writing regarding the "debt". He said they would send me something stating that the repo was on hold, but not would reference why it was in repo.
They are gonna spitball until they come up with something I can't prove wrong.
I am here living off my savings this year so I can fish and not work. This is now gonna occupy my thoughts, and probably drain my finances.
I know enough that if I have to fight this in court, it will have to be in Colorado, and that will destroy me financially.
FUCK!!!!!!!
edit... I just listened to the recording.... I handed that guy his ass.
crashdown
07-08-2016, 15:47
Okay, no need to overreact. 99 Problems qued. Not a guarantee this will pull the information you need but it should (they may not have filed one but they kind of should....), and you don't need to pay someone $200 an hour.
Step one: Register here: cocourts.com provide a CC, it's okay. $5.00 is all you will ultimately incur.
Step two: Search yourself. Use your last name, and a first few of your first in case they mispell it. If you have multiple nicknames or aliases etc, then read the instructions on the search page so you only pay for one. Don't include a date of birth or anything, just your name.
Step three: Research and sift your record. Look for any county court or district court actions opened with you as a Defendant - called "Replevin". If you find one, let me know.
Standard Disclaimer: This is not legal advice, consult your attorney for legal advice (Attorneys by operation of law are the only ones whom can provide legal advice) anyone who hasn't gone to law school would have no clue. It's not like I have any experience with smacking the %$%$ out of people in Replevin or anything, or can cite critical case law from memory...
Fuentes v. Shevin, 407 U.S. 67 (1972)
Metro Nat'l Bank v. District Court, 676 F.2d 19 at 23 (Colo. 1984)
Done.. I just paid 7 dollars to see I was divorced in 98. I didn't think they had any court proceedings as that would mean something would be in writing, but I did as I was instructed....
Now what?
edit... I just did it again without putting in middle name or DOB, and still nothing, but I feel roughly 14 dollars lighter.
Great-Kazoo
07-08-2016, 16:58
but I feel roughly 14 dollars lighter.
The real question is. What's biting this time of year, besides mosquitos ?
crashdown
07-08-2016, 17:03
The real question is. What's biting this time of year, besides mosquitos ?
I've never seen a real Hotdog fish before.
crashdown
07-08-2016, 17:28
I've seen a real Hotdog fish before.
Terrible angle on a King Salmon. Most of the fish is underwater. You can't legally lift it out of the water. I had a trooper video me doing it in the same spot the day before and I got out of the ticket by pleading ignorance... Wasn't gonna risk it for a picture.
You're really not allowed to lift them out? I imagine it is a catch and release as well. That's interesting. Nice catch. You can see just how big it is in your picture.
crashdown
07-08-2016, 17:45
You're really not allowed to lift them out? I imagine it is a catch and release as well. That's interesting. Nice catch. You can see just how big it is in your picture.
The rules here are overwhelming. Times, dates, hook sizes, literally which side of a road you can fish on which days.
Catch and release fishing only states that no part of a fish may be removed from the water, so technically even the little bit I did lift out was still illegal.
If you are fishing waters that allow rainbow but not salmon fishing, law enforcement will put a micrometer on your line to determine if you are using line that could feasibly land a King and you could be ticketed.
crashdown
07-08-2016, 17:48
Hmmm, What exactly as far as paperwork was concerned were you provided with when they showed up to tow?
Nothing at all. The driver just had my info, the vehicles info, and Bellco Credit Union with a phone number.
This was all the tow guy had, he had nothing to give me, but showed me everything he was given to do the repo after he believed this was a bad repo.
He was dispatched by ARA, so maybe they had more info at their Texas office. I tried calling them but no answer. I doubt they would help as banks are their client.
crashdown
07-08-2016, 18:29
I ETA'd my original post up there. Multitasking at work -I'll try to research AK statutes when I get a chance, but many States require either an affiant or LEO notification or both under statutory repossession. Not that it matters much, nothing would come of it anyway. This would have to have been done under AK law, so it's more curiosity.
FYI: Make sure your attorney is a CO attorney unless Bellco is operating in AK. If they don't have any business up there, nothing can be done against them in AK. They way they were acting I was wondering if they had a Replevin open themselves they didn't want you to know about because of the f-up. But this is just statutory. If you're concerned, have your attorney right up a cease and desist letter and deliver it to their agent/service address (not a bank branch, look up where subpoenas are delivered). They'll probably pay attention to that. Realistically, I think the chance of them coming back are slim with all the phone calls.
If they do pull it in the middle of the night, first call of course would be to 911. Tell them you have title in hand and some tow truck just drove off with your vehicle. It's essentially a civil issue but you will want the report, and some officers will make a few contacts which might make them reverse their present course of action. Filing Replevin is probably the last resort, but it's available if you need a quick order to get it back. (disclaimer: often the court sets a surety bond in order to physically pick up the vehicle, so that can limit people).
Standard disclaimer applies, this is not legal advice.
The tow guy did say that sometimes they let local law enforcement know about a tow, but not always.
I would imagine it would be done all of the time so LE isn't responding to stolen vehicles every time a car is towed.
Honestly I don't think Bellco has filed any legal action in any state. They don't seem to even have a reason why they think I owe them money.
I would say that this is going to blow over, but my experience is that once Bellco fucks up, they like to stand around and kick the shit out of dead horses for a long time while denying ever seeing a horse.
I tried filing an attempted burglary report today knowing that it would just end in the cops telling me it's a civil matter, but the cop did bring the issue of identity theft. I don't think it's that either as Bellco originally seemed to think that the money was refunded to my card, but it did make me wonder if this wasn't something done by the loan officer that I got into with when he called me a liar and tried to humiliate me until he realized he was in the wrong. After that, he was extremely intimidated by me. Of course there is no way I would be able to prove anything.
I do feel like I should walk into the local lot and repossess a truck, after all it would just be a civil matter and the cops wouldn't get involved until the dealership was able to get a title and prove ownership to a judge. Once the judge gave the dealership a court order and the dealership got the truck back, it would still just be a civil matter as I would just say it was a bad repo, sorry.
hurley842002
07-08-2016, 19:32
On a side note I think a repo driver is about the last profession I'd ever want to be. I'm surprised it doesn't rank as the highest in dangerous professions, kind of hard to be super-quiet loading up a car at midnight.
I can agree. Quick story off topic as far as the OP, but in regards to tow companies.
When we moved into our new apartment complex each apt had a reserved parking space, recently after lots of parking issues (not enough spaces), management decided to make it open parking with the option of paying extra monthly for a reserved spot (with permit and sign). The whole thing was a cluster fark, but one night we heard a tow truck out front, and upon looking outside, noticed they were hooking up our neighbors car. We quickly knocked on their door and let them know what was happening. After lots of foul language, going back and forth, and myself and several other random residents explaining to the tow truck driver that it was open parking, and the spot in question had no sign, he unhooked the car and took off. Apparently some lady hadn't gotten the memo on the parking situation, and our neighbor was parked in what used to be her spot. Not sure how the tow company didn't also get the memo on the parking situation, but the driver was one of the most unprofessional people I've ever dealt with, and came close to getting physical with our neighbor.
crashdown
07-08-2016, 19:33
The recording I got today was golden.
Problem is.. the only time it would mean anything was if I was in court.
If I was in court, that would probably mean Bellco grabbed the car and I was in Colorado.... Neither of those are good things.
Still not sure why I can't go grab a new Super Duty.. Don't see how me going onto a dealership lot is any more trespassing than someone coming onto to my property. Bellco has zero ownership of the vehicle, and they can legally take it according to popo. If I got a new Super Duty I would put facing naked chick mudflaps on it so at least I was somewhat vested in the vehicle.
KestrelBike
07-08-2016, 20:12
This thread is the scariest I have read. What a nightmare, that really sucks and I'm sorry for your troubles, crashdown.
hurley842002
07-08-2016, 20:17
This thread is the scariest I have read. What a nightmare, that really sucks and I'm sorry for your troubles, crashdown.
Yeah, especially since my car is financed thru Bellco.
Yeah, especially since my car is financed thru Bellco.
You can always refinance it.
KestrelBike
07-08-2016, 20:34
You can always refinance it.
Ssshhhh! Bellco can hear you!
crashdown
07-08-2016, 21:23
This thread is the scariest I have read. What a nightmare, that really sucks and I'm sorry for your troubles, crashdown.
Thanks...
As I keep telling my wife... I can't just clear this up. Bellco has not once asked or even insinuated I should pay them this 4K, they just want the vehicle. I'm not going to offer as it might be some type of acceptance of responsibility, but I kind of wonder what would happen if I brought up re-payment. Since they can't figure out why they think I owe it, I don't think repayment is on their radar at all...... So sketchy.
You should go talk to a lawyer.
hurley842002
07-08-2016, 21:51
You should go talk to a lawyer.
See post #35
I recently paid off my truck with Bellco and have the title. I've been with them for over twenty years and they seemed fine for the first 10 years. They actually changed their credit union classification a while back. That is when they started expanding like crazy and sponsoring dumb shit. I've had quite a bit of credit card issues with them, every interaction is a pain in the ass. I switched and find the CapitolOne card has better cash back and online stuff is 10 times better. When I refinanced I checked their rates and they were terrible. If I weren't so lazy I switch to another bank. They suck. Though the people at my local branch are nice enough.
A number of years back a repo tried hooking up a neighbors car in the middle of the night...right outside their bedroom window. They ran out and started yelling bloody murder. According to them they bought the car outright. Never had a loan. The tow driver fled. Never showed any sort of paperwork. Never came back either. To this day I am pretty certain they were just trying to steal the car. The owners never called the police as they were here illegally.
BPTactical
07-09-2016, 05:41
Not that I am a fan of the guy, and he is a first class arrogant douchebag- but Tom Martino may be of some help in this case.
Certainly worth a phone call.
Not that I am a fan of the guy, and he is a first class arrogant douchebag- but Tom Martino may be of some help in this case.
Certainly worth a phone call.
Agreed. It'd make great press for him so he'd be more likely to help you.
crashdown
07-09-2016, 12:58
I'll see what I can do about contacting him on Monday.
My guess is won't be interested. He likes to interview the person wronged, gather evidence, and approach the offender.
My situation won't let him do any of those things. He isn't gonna come to AK, the bank isn't giving me anything to give him, and it's not like he could just walk up to somebody handling this at Bellco.
If Bellco had provided paperwork that they were repossessing the vehicle based on me owing 4K on "x" account and I could provide paperwork to disprove that, than maybe........ But if I had that I could also fight Bellco in a dozen other ways too.
edit... emailed TM the story and provided callback number.
DireWolf
07-09-2016, 13:08
One thought (not a lawyer, so this may be totally unrealistic) would be to file a lawsuit against Bellco for attempted theft/wrongful repo, subpeona all of the documentation, including email and phone records to see what employee/manager authorized it (e.g. - if repo co only has limited info, then find out where the call originated), then sue them personally as well....would probably get it cleared up, jam up those shitheads a bit (I hate Bellco, but that's another story), and jam up the individual shithead that authorized it...side benefit would be that full timeline, including payoff evidence, would then be on record.....Also, if a lawsuit against them got any traction, it may be picked up by the media (because fuck them) and no need to rely on someone like TM for that....
Sent from my SM-N920T using Tapatalk
crashdown
07-09-2016, 13:40
One thought (not a lawyer, so this may be totally unrealistic) would be to file a lawsuit against Bellco for attempted theft/wrongful repo, subpeona all of the documentation, including email and phone records to see what employee/manager authorized it (e.g. - if repo co only has limited info, then find out where the call originated), then sue them personally as well....would probably get it cleared up, jam up those shitheads a bit (I hate Bellco, but that's another story), and jam up the individual shithead that authorized it...side benefit would be that full timeline, including payoff evidence, would then be on record.....Also, if a lawsuit against them got any traction, it may be picked up by the media (because fuck them) and no need to rely on someone like TM for that....
Sent from my SM-N920T using Tapatalk
While that sounds great, not sure what grounds a could file a lawsuit. Remember, Bellco has talked a lot about 4K dollars, but has yet to even insinuate that I owe them any money. They have said they are owed the money, but have not actually pinned it on me. If they said I owed them money, I could at least get an account number that that dollar amount is tied to, and begin fighting them knowing what I'm swinging at.
I'll hopefully know more when my attorney has time on Monday to look at this. She was a former client of mine in CO, and somewhat of a personal friend. I reached out to her because she specializes in bankruptcies, so I figured she knew her way around bank issues. She was the first to admit that this might be out of her league and she might have to refer me to someone else.
Delfuego
07-09-2016, 13:41
Not that I am a fan of the guy, and he is a first class arrogant douchebag- but Tom Martino may be of some help in this case.
Certainly worth a phone call.Agree. He actually helped me out on car-deal gone wrong with Gateway CU in Aurora. If not him maybe some other tv news "investigative" reporter.
Just a thought; maybe the universe wants to keep you in Alaska? Just a thought. All of the sudden I am hungry for salmon.
crashdown
07-09-2016, 13:50
Agree. He actually helped me out on car-deal gone wrong with Gateway CU in Aurora. If not him maybe some other tv news "investigative" reporter.
Just a thought; maybe the universe wants to keep you in Alaska? Just a thought. All of the sudden I am hungry for salmon.
I never had any plans to leave, this place is great. If I ever do leave, it will be a short trip somewhere like Hawaii, not to Colorado to deal with Bellco.
I've never heard anything bad about Bellco before and this thread is making me nervous.
sneakerd
07-09-2016, 15:32
You can't sue the repo company- they will be operating under a hold harmless agreement with the bank. Especially since they walked away when you presented your case. What wrong did they do? Nothing.
crashdown
07-11-2016, 14:16
Update.
Filed formal complaint with DORA.
Filed formal complaint the CO Attorney General.
Did my best to talk to Tom Martino after receiving an e-mail and VM that they wanted me on the live show, but busy signal every time I called.
Everything seems like it's gonna be pointless, but on a good note, I have 24 hours of light to stay awake all night staring at my car in the driveway making sure it doesn't get towed.
Based on pure definition of terms, this is not a repossession as the bank does not hold title.
It does however fit the definition of identity theft as the bank has used personal information to create a debt unauthorized by me.
It benefits the bank greatly to classify this as a repossession as to make it a civil matter, and not a criminal.
68Charger
07-11-2016, 14:56
take a picture of your title and lien release and put it on the window of your truck when it's parked, along with a note that if you have an order to tow from Bellco, it's an illegal order and you will be seeking damages if they tow it?
May not stop them, but could make them second guess before they do...
BPTactical
07-11-2016, 19:51
Still keep after Martino
68Charger
07-11-2016, 19:59
must be Denver stuff... never heard Martino nor Bellco before (I think I heard the name Martino, but never Bellco before this thread)
I must be missing out on something- like invalid repos on my vehicles... [Coffee]
jerrymrc
07-11-2016, 20:58
must be Denver stuff... never heard Martino nor Bellco before (I think I heard the name Martino, but never Bellco before this thread)
I must be missing out on something- like invalid repos on my vehicles... [Coffee]
After looking at your age I take it you must not have children. Just wait, they like to use mom and dads address so the repo guys come and park in front of your driveway looking for something that is not there. This does not end well for them as old guys like me open the door and they start spewing about a vehicle. Knowing who it might be I ask them if it belongs to XXXXXX. they say it does and to give it up now. The last one I told that XXXXX was my step son and has not lived here in 10 years. I also explain they might want to look up because it is past my bedtime and the wife in the window is cranky and wants to shoot someone that has disturbed her sleep. [LOL]Been almost a year since the last one but this game has been going on for over 15 years with some of them. [Beer]
must be Denver stuff... never heard Martino nor Bellco before (I think I heard the name Martino, but never Bellco before this thread)
I must be missing out on something- like invalid repos on my vehicles... [Coffee]
Bellco is a Colorado based credit union. I thought it was all over Colorado, but they are only in the metro area. I was always under the impression that it was difficult to get an account with Bellco, but apparently they've really lowered their standards.
...whatever the proper terminology for a group of kids (e.g. a murder of crows, an aneurysm of children or something)...
I think the proper term is an "annoyance of children".
68Charger
07-12-2016, 06:39
I have three girls (which is officially called a giggle), and a boy.... only one is driving, and she still has her first car... and I was the creditor on that one.
Turned 46 last month, that count as old yet?
crashdown
07-12-2016, 12:38
Went on the TM radio show this morning, and just finished emailing the show a bunch of evidence including recordings with Bellco.
I imagine he probably is the squeakiest wheel around, so waiting to see.
Theu seem to think something can get done before the show ends today.
Snowman78
07-12-2016, 12:42
Ya I heard you on the show today, sounds like you have a good case!!
crashdown
07-12-2016, 12:55
Ya I heard you on the show today, sounds like you have a good case!!
Did you hear that part when TM said it was still a repossession because they have a lein against the vehicle?
I don't think I'll ever get anyone to understand my point that it's not a repo. They have no ownership, nor have they filed anything with the courts.
colorider
07-12-2016, 13:24
Did you ask Tom about his foreclosed home ?
Snowman78
07-12-2016, 15:31
Did you hear that part when TM said it was still a repossession because they have a lein against the vehicle?
I don't think I'll ever get anyone to understand my point that it's not a repo. They have no ownership, nor have they filed anything with the courts.
Ya I did, he haft ass listens to people on the air. I think Mark and Susan (on his staff) are going to help you more then him.
crashdown
07-12-2016, 18:53
Went to the AK DMV today and got a copy of the original title....
So I have a shit ton of evidence and nobody of authority to look at it right now and stop Bellco dead in their tracks.
BPTactical
07-12-2016, 19:30
Fax that to your contacts at TM
crashdown
07-12-2016, 19:44
Fax that to your contacts at TM
Facsimile machine?
It's 2016, we email now.
Now where did I put that blunderbuss I need you to put some that new fangled "rifling" on?
...and yes, I sent it over right away. I think you are right about TM probably being the most aggressive in getting something done. They have already been in contact with the president of media relations. I'm guessing Bellco really isn't wanting their name on the radio anymore. I was thinking how funny it would be if it was being played on the radio in some loan officers office with a client present. Would the loan officer turn it off, or just let it runs it course and not look petty by turning it off after Bellcos name was mentioned.
crashdown
07-15-2016, 16:15
THANK YOU BERT!
Without Berts recommendation I wouldn't have thought about contacting Tom Martino.
Without him following up with a phone call to make sure I did it, I wouldn't have followed up with trying to call TM after my one attempt.
Got a VM from Bellco basically saying they know I have "experienced some inconveniences in this situation", and they "now consider this matter closed". There was no reason given for initiating, or ending this, nor was there an apology, but it was just voicemail. The guy said they would be following up with a letter confirming that the case is closed.
I'll wait until I have the letter in hand before deciding how I want to kick them in nuts.
.... I'm giving TM the credit for this because Bellco had my new number, and I only gave it to TM. I wouldn't give it to Bellco because I wanted them to communicate with me in writing.
BushMasterBoy
07-15-2016, 16:32
Hope you get a nice settlement check too!
He's not going to get a settlement check, nothing happened to him.
Glad to hear you finally got through to Bellco. Must be a bit of a relief.
crashdown
07-15-2016, 16:40
He's not going to get a settlement check, nothing happened to him.
Glad to hear you finally got through to Bellco. Must be a bit of a relief.
Thanks, but not sure that nothing happened to me.
I retained an attorney. I spent many hours filing complaints, making calls, sending emails, driving to DMV and waiting for them to get a copy of my original title, going on a radio show, sending supporting documents to various entities, etc. Also spent a couple of sleepless nights expecting the tow truck to come back, and a lot more nights getting up every time I heard an engine noise in fear that they were hooking up the car.
I don't know that any of that entitles me to anything, but I don't know that it doesn't either.
It's certainly not anything I'd want to go through.
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