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today, a Represenative from Cogdill Dodge informed the boss of my boss that they were going to repossess my car if i didn't send them a title for it. I sent the title to chrysler financial about a year ago..(not certified mail..my fault..) They lost it.. this has already started causing me trouble at work...now people think i have trouble paying my bills!! i'm furious! I have never missed a payment..in fact I pay early a lot of times..and usually over the minimum. Has my right to privacy been violated? Can they repossess a car with no payment violations? I bought the car in TN and live in NY Thanx
State/Country relating to Question: Tennessee Already Tried: I got into a shouting match with the guy from cogdill dodge.. He was telling me that Chrysler Financial was going to force them to pay for my truck if Chrysler financial didn't get the title. I called chrysler financial..and spoke with a manager.. again a shouting match ( I was still furious) She said that my truck would be repossessed if I did not send the title to Cogdill Dodge. I don't have the title..and havent had it now for over a year( because i sent it to Chrysler Financial). I can get a new one..but only at an inconvienence. I told her that i had paid ever payment on time..and usually over maximum...all my payments are on their server..and my account is in excellent standing!
Hello,
I would recommend sending a certified letter to Cogdill notifying them that you had sent the title in the Chrysler Financial and no longer possess it. I would further state that you will consider any further contact from them Harassment and will file appropriate criminal and civil charges if they do not cease and desist.
You could potentially have an action for invasion of privacy by publication of private facts. Public disclosure of private facts arises where one person reveals information which is not of public concern, and the release of which would offend a reasonable person. These are fairly hard to prove as the courts normally require that the person have acted with malice.
With regard to repossession, if you have not breached any of the terms of the purchase agreement, then they have no legal grounds to repossess the car. If they did, you would be able to sue them for "conversion", or civilly taking someone's property.
Thanks.
Matt
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12 yrs practice, Realtor, Landlord 20+ yrs