Legal Question in Credit and Debt Law in Indiana

I fell behind on car payments and my car was taken by them I live in Cedar Lake, IN under a central time zone and was told my vehicle was in Michigan City IN, also in the central time zone. After I settled everything with my lien holder I drove to Michigan City knowing I had until 4:30. What I was not told was the call center I was calling operated on eastern time zone. I spoke with a representative at 3:00 pm (central) on Friday to see if any word had come through on the release. I was told no and I would be contacted as soon as it did. I informed the employee that I was not from the area and drove over an hour and was sitting in a Speedway gas station parking lot downtown Michigan City and asked if I was at least close to them so I could get there ASAP(they wouldn't give me an address until car was released, just town). She said yes you are two blocks away from us. She then said I will call as soon as it comes through. At 3:17 pm (central) my lien holder called me to inform me everything had gone through and the release was done. I didn't want to rush the employee since she ensured me she would call so I gave her 15 minutes thinking I had until 4:30. At 3:35 pm (central) I called since I had no word and was informed nobody was there, everybody left and I was out of luck. I then stated that was not possible you close at 4:30, she then said yes but we are in Eastern. I informed her I was never told that even though everything I was dealing with was central that homebase was in Eastern. She then became very rude and hung up on me. I took all the appropriate steps to retrieve my vehicle and feel I was misled and scammed so they get 3 more days of storage fees over the weekend. I also wasted gas driving over an hour there and another back and now have to do it again Monday. As a business in operation over 10 years I would expect this can not be the first time this has happened and that it should be stated you are actually calling eastern time even though you are dealing in central. Do I have any rights to fights those extra fees?


Asked on 6/21/14, 6:28 am

1 Answer from Attorneys
Kenneth Wilk Rubino Ruman Crosmer & Polen

You might have some rights under the circumstances, but the legal costs of trying to fight over them would most surely exceed the damages many times over.

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Answered on 6/23/14, 3:13 pm


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