Car repossession/ bank advice needed

[crashdown]

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]

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]

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]

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]

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]

This thread is the scariest I have read. What a nightmare, that really sucks and I'm sorry for your troubles, crashdown.

[hurley842002]

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.

[jmg8550]

Yeah, especially since my car is financed thru Bellco.

You can always refinance it.

[KestrelBike]

You can always refinance it.

Ssshhhh! Bellco can hear you!

[crashdown]

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.