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Category: Legal
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Experience:  Licensed attorney helping individuals and businesses
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We had our truck reposessed. Bank of america took the money

Resolved Question:

We had our truck reposessed. Bank of america took the money from our account but didnt transfer the funds to chase bank who is the lean holder. There for they showed no payments made and came and took the truck. After a 22 day battle we are finally getting our truck back but they are making us pay the repo fees and storage, can they do this?
Submitted: 6 years ago.
Category: Legal
Expert:  INFOLAWYER replied 6 years ago.


Hello, I am legal expert at Justanswer and I will be helping you with your question today.


I am afraid legally those fees are valid


but often can be negotiated for a reduction


and possible refinancing of the loan terms


if you can show hardship


They do not want to drive you into bankruptcy


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Customer: replied 6 years ago.

Wouldnt that be a wrongful reposession since the payments were taking out of our account when they were scheduled and on time?

Expert:  INFOLAWYER replied 6 years ago.
If you were current, you should have all fees waived and returned where wrongly taken and further compensated for any expenses incurred in the interim including rental expenses and other direct expenses resulting from the premature and illegal repo.
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