I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear that this happened.
California law unfortunately does not require lenders to give a consumer any notification before repossessing a vehicle. The loan itself is notice that payments must be paid. The day a payment is late, they're allowed to take the car unless there is a grace period in the loan itself. So, the lack of a separate notice does not mean that you are entitled to get the car back, I'm sorry to say. The notices they're required to give kick in AFTER the car is taken.
Look at your loan paperwork. Sometimes, you're able to get the car back as long as you bring the loan current, paying any past due amounts, interest, and costs associated with the repossession. Sometimes, there's an "acceleration clause" which means that you'd only be able to get the car back if you pay the loan IN FULL. They have 48 hours after the car is taken to give you a notice telling you where the car is, who took it, a list of personal items within the vehicle, and giving you 60 days to collect those items. This notice also should contain a notice of how much is owed and what you have to pay to get the car back. They're also required to give you 15 days notice before they can sell the car, and under California law, you have until the sale to repay the loan and get the car back.
If it's been less than 48 hours, you'll be getting a notice soon. If that time passes and they don't give you the documentation, call the lender to see what they can tell you about who took the car. Or if the car was paid and the repayment was a mistake, try calling the lender as soon as they open for business.
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