Car repossession/ bank advice needed

[crashdown]

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.

[newracer]

Might be easier to just sell the vehicle.

[Wulf202]

http://www.aapsonline.org/judicial/telephone.htm

Note alaska is a single party consent state. I suggest you record the calls

[CS1983]

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.

[00tec]

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.

[Zundfolge]

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]

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.

[asmo]

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.

[Irving]

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.

[Gman]

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.