Hello, my name is ***** *****.
JA: Thanks. Can you give me any more details about your issue?
Customer: This is an excerpt of what I sent to another individual about my issue earlier today: 1) Effectuated Refi. of vehicle in Mar. '12 with Workers' Credit Union2) Utilized same firm to purchase separate commercial vehicle in May of '123) Opted to garage 1st vehicle in winter of '12/'13 and drop private ins. coverage for same vehicle whilst utilizing my comm. property policy
for the vehicle while in storage on the premises4) Despite this, W.C.U. instituted its own force-placed coverage on the vehicle and added the $3,000+ premium
onto the loan
balance of the first vehicle, and doubled the note payment amount.5) I disputed the force-placed ins. policy but kept paying my normal note payment amount (not the doubled payment); despite the continuance of the regular note payments, the bank reported my loan as 120+ days "late" to the credit reporting agencies.6) As of the fall/winter of '13-'14, this "late" reporting destroyed my credit and resulted in my other personal and business creditors closing and credit lines, vastly reducing credit availability and raising my interest rates. 7) In summer '14, I met with the firm's attorney and he agreed to advise the firm to split the cost of the original ins. premium with me whilst fixing my credit to report as "timely paid" since inception. I assented to this.8) Against his advice, the firm chose to stick me with the whole amount of the insurance
premium but agreed to "fix" my credit.9) I reluctantly agreed to this.10) As such, I made several attempts to furnish a check to the firm in the total amount of the force-placed premium but I had been "locked" out of all of my accounts at the time.11) After several repeated attempts to furnish the check, the account was finally "unblocked," thus affording me the ability to make the payment.12) After making the payment in good faith, the firm then turned around and stuck roughly $1,300 in additional amounts due on the account (ostensibly for legal fees). This was never discussed, disclosed or agreed to by the attorney and me. The attorney was unaware that they had done this.13) The credit union then asserted that all of the "regular" note payments, which I had made hitherto, were insufficient and they also wanted me to make all of the "differential" payments for the add'l amounts which they asserted were due as a result of the "doubling" of the original note payment (despite the fact that I had just given them a check for the full amount of the original force-placed premium).14) When I disputed their actions, the firm, nonetheless, kept the full amount of my good faith premium payment of $3,000+ and still refused to fix my credit, whilst keeping the note payment at the "doubled" amount for the entire time moving forward.15) Despite this, I continued making my original note payment for every month moving forward and refused to pay the "doubled" amount which they demanded under the auspices of the fact that it was in violation of the original note agreement.16) In the fall of '14, the firm's actions had decimated my credit and created a real liquidity crisis for me, both, personally and in my business.17) Due to this crisis in the Oct. of '14, I had missed a couple of payments on the second commercial vehicle.18) The firm issued a demand notice for the second vehicle and I made a payment to bring it to current at that time but questioned the late fees as they were in excess of what the note agreement allowed for.19) A rep' agreed to look into it and get back to me; they never did.20) In the wake of no real solution in sight and the impending liquidity crisis, I made no payments on the second vehicle in 2015 but continued to make all my payments on the first vehicle.21) On 01/07/16, a repo. agent showed up to my NH residence (when I wasn't there) and, despite being told that he was breaching the peace, asked to leave and having the police called, he threatened my elderly parents to give him the keys to the 2nd vehicle (which they did).22) I'm now looking to seek recovery of the vehicle and any and all other relief afforded at law.
JA: OK got it. Last thing — Lawyers generally expect a deposit of about $36 to help with your type of question (you only pay if satisfied). Now I'm going to take you to a page to place a secure deposit with JustAnswer. Don't worry, this chat is saved. After that, we will finish helping you.