Legal Question in Credit and Debt Law in Florida
Car Repossession
I had a lease for over a year and it was set up on direct debit from my bank account. My car got repo'd because the creditor said I have not paid in 2 months. I called the bank and they have not denied any direct debit requests, and i have documentation showing that there were sufficient funds in the account on the date the money should have been withdrawn. Is it legal for the finance company to take the car and ruin my credit due to their error
1 Answer from Attorneys
Re: Car Repossession
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No. If the lessor somehow messed up, you can hold them responsible. You should call an officer (president or vice-president) of the company and make your complaint known. Let them know you will take legal action if they do not return your car (if it was taken from you) and/or reinstate your lease immediately. Also demand an apology letter explaining that it was their fault in case this appears on your report at a later date. Failing such, hire an attorney to immediately take action to protect your good name and credit history.
Scott R. Jay, Esq.