this actually brings me to a good question. When someone has their car repossessed, what paperwork do the repo guys have to have in their possession to legally take the car? I'm not up to speed on having things repossessed. I pay my bills (what a novel idea!) but I can think of many many ways that crimes could be committed under the guise of repossessing a car unless there is some paperwork involved.
Curmudgeon wrote: shtupping
Ahahaha, you said shtupping 
Probally have a copy of the tittle showing the lien and some paperwork showing they work for that said lien holder and a repo licenes. But thats a good questrion, all that stuff could be faked.. When i lived in an apparment i use to watch around 5 am when i was going to work the local repo people picking up cars..
N Sperlo wrote:Racer1ab wrote: My favorite was the dude who caught a weapons charge, after he pulled up his shirt to show the pistol in his waist band.I would have arrested him myself after holding him at gunpoint waiting for backup. Haven't had to use my gun and don't want to, but brandishing is a felony. If I allowed the tow truck (camel towing) to take the vehicle, my car would be getting repoed next. Catch my drift?
That should only be used as a last resort. Even if you're armed security, drawing down on someone who is already provoking the situation like that is never a good idea. To me, at that point the weapon only comes out if its going to be used.
Believe me, I've done exactly what you said before with people in my driveway at 3am. They all ended up in jail, I got my ass chewed out by a bunch of state troopers, and after thinking it over later, it was stupid as hell. That could have gone very bad very quick.
yamaha wrote:N Sperlo wrote:That should only be used as a last resort. Even if you're armed security, drawing down on someone who is already provoking the situation like that is never a good idea. To me, at that point the weapon only comes out if its going to be used. Believe me, I've done exactly what you said before with people in my driveway at 3am. They all ended up in jail, I got my ass chewed out by a bunch of state troopers, and after thinking it over later, it was stupid as hell. That could have gone very bad very quick.Racer1ab wrote: My favorite was the dude who caught a weapons charge, after he pulled up his shirt to show the pistol in his waist band.I would have arrested him myself after holding him at gunpoint waiting for backup. Haven't had to use my gun and don't want to, but brandishing is a felony. If I allowed the tow truck (camel towing) to take the vehicle, my car would be getting repoed next. Catch my drift?
Number three homicide rate in the US, I'm not taking any chances. The last resort is pulling the trigger. I can't do that without having it out. Think of it this way; what woulda police officers's response be? Thats what mine should be. I am the law enforcement for my property.
GrantMLS wrote: Probally have a copy of the tittle showing the lien and some paperwork showing they work for that said lien holder and a repo licenes. But thats a good questrion, all that stuff could be faked.. When i lived in an apparment i use to watch around 5 am when i was going to work the local repo people picking up cars..
They have some paperwork when they show up. I don't know what it looks like. I don't really care. Everything is reported to HR, but beyond that, my job is to make them go away.
They usually say they have a signature allowing them onto the property, but unless the CEO signed it, they wont get in.
turboswede wrote:aircooled wrote:Yup, unless they have an order signed by a judge, served by the police, they can't enter the premises unless granted permission.Brett_Murphy wrote: ..Dude, if the car is getting repossessed and you stop them, you're interfering with the rightful property owners...But it is in his gated property. I am pretty sure trespassing is not legal just because your property is on the premises. Otherwise, I could throw a ball through an open window then legally enter a house without permission. Would be an interesting way for cops to get around search laws...
Been with my Dad many a time when he did this. (He was a repo man)
"You need to get a court order"
"Sir that is fine, we can go that route if you choose. Understand though, when the bank goes to court they will not only get a court order they will press charges for hindering a secured mortgage lien holder, which in Tennessee is a class E felony. Then you will be arrested, the car repossessed anyway, and you will not only owe legal fees for taking you to court on the car, cost incurred to recover the car, now you will owe court costs and legal fees associated with being arrested, and most likely jail.
Sir we ask that you surrender the keys and take all personal belongings out of the car. Anything attached to the car is considered part of the car and you are not allowed to remove them. This includes stereos, wheels, tint, etc. You have 10 working days to make arrangments with the bank to retrieve you car. In Tennessee Saturday is considered a working day.
The keys please, Sir."
19 out of 20 the response is:
"Fine take the berkeleying thing. Let me get my E36 M3 out of it."
He was not a fan of the snatch and grab. Too many issues. We would go that route if we knew the person would be an issue.
As far as documents, a hold harmless letter from the bank giving them authorization to take the vehicle and a copy of the title. That's about it.
All I'm saying is that if somebody agrees to pay for something and then doesn't do that, the people who own said property have a right to come and get it. As long as they are being professional about it, I don't see the point in giving them a hard time.
In reply to I Am Keyser Söze:
Thats what I would suggest, but my response would be "Leave or I will be arresting you for trespassing."
Not to be mean, buy like I said, its my job.
I Am Keyser Söze wrote: "Sir that is fine, we can go that route if you choose. Understand though, when the bank goes to court they will not only get a court order they will press charges for hindering a secured mortgage lien holder, which in Tennessee is a class E felony. Then you will be arrested, the car repossessed anyway, and you will not only owe legal fees for taking you to court on the car, cost incurred to recover the car, now you will owe court costs and legal fees associated with being arrested, and most likely jail.
You realize that the guy is the gated communities security detail - not the car owner right? So without a court order I'm pretty sure you are just wasting breath with all that diatribe. He is not getting in a lick of trouble for telling you to pound pavement. You have every right to the car - but not to the property where it sits. Without a court order you are really just someone who should have known better than to show up without one.
N Sperlo wrote: In reply to I Am Keyser Söze: Thats what I would suggest, but my response would be "Leave or I will be arresting you for trespassing." Not to be mean, buy like I said, its my job.
We have been told to leave before. That is when we usually go off premises and stakeout or investigate to find the persons schedule.
Snatch and grab at this point.
We also make sure we inform them that their property told us to leave or have us arrested for trespassing. That is why their stuff is being removed at the Piggly Wiggly.
This puts them in an interesting position. They want to go to management about you but if they do, then management knows they are a dead beat and probably won't be paying rent, but it takes the focus off of us and puts it on you.
Less physical confrontations that way. If they cooperate we give them rides home and help them take the things out of their car.
We aren't there to be shiny happy people, we are just the shiny happy people there to do the job.
I have actually done many a gated communities. We let them know when we get there what we are doing.
Looking the other way is a common practice, and court orders are in the newspapers, no one wants those.
ESPECIALLY in gated communities. Those people actually read the papers.
There is the letter of the law, and then there is reality. Professional Repo people live in reality, which tends to be a whiter shade of grey.
In reply to I Am Keyser Söze:
The last guy I had here was an shiny happy person, but it doesn't change too much on my end. He got really shiny when I recorded his tag number. Thats when I got to turn into an shiny happy person. I'm extended that courtesy by management.
I mimic the respect shown to me, but my job still gets done. 
We have never been rude to the help, chances are who we are after has been.
You catch more flies with honey than vinegar.
In reply to I Am Keyser Söze:
THE HELP?! 
In reply to N Sperlo:
Lol, repomen are just one rung above the people they take stuff from.
gimpstang wrote: I'm not up to speed on having things repossessed. I pay my bills (what a novel idea!) but I can think of many many ways that crimes could be committed under the guise of repossessing a car unless there is some paperwork involved.
The finance company will have made about 9000 phone calls to you before you get to the point of having your car repoed, and you should also be aware that you haven't been making your payments, so you will know it's coming.
rotard wrote: Lol, repomen are just one rung above the people they take stuff from.
Dad?
B430 wrote:gimpstang wrote: I'm not up to speed on having things repossessed. I pay my bills (what a novel idea!) but I can think of many many ways that crimes could be committed under the guise of repossessing a car unless there is some paperwork involved.The finance company will have made about 9000 phone calls to you before you get to the point of having your car repoed, and you should also be aware that you haven't been making your payments, so you will know it's coming.
yea.. having your car repoed should not be a surprise.
years ago, my father had a 1st gen Hyundai Sonata. It was a nice car except for the three transmissions it went through in 100K miles (he was a salesman)
When my parents got divorced and went through bankruptcy, he left the dead car (bad transmission) at my uncle's WAY out in the woods where it died. It took the repo guys 6 months to find it... and yes, they had the address where it was
i've worked for a repo company to make extra money and the paperwork we have is a lot less than you would think. it's basically just a sheet of paper with the debtor's info and the make model and vin. sometimes we get a color, sometimes we don't. it really isn't that big of a deal. most people know they haven't been making the payments and don't put up too much of a fuss. we have had a few less than fun moments though. I'll say this i would much rather repo a car in the worst inner city neighborhood than go out into the sticks. just about every major issue I've ever had has happened when dealing with "good ol' boys"
There was a repo guy who hung around my dad's speed shop back in da day, he was really into it. I think he would have done it for free. He had bought one of those 'wheel lift' trucks, the first one I had ever seen and took great pride in always getting his target. He came in one day and could not WAIT to tell us about his latest.
It seems the owner of the car had been playing cat and mouse with the bank for a long time, somehow he was always one step ahead. The bank's instructions were 'we don't care how you get it, just get it'.
So the repo guy did his search thing, he finally tracked the owner and the car down and showed up to repo it. The wner was sitting on the front porch with a couple of other guys, the car was on the street but with two other cars parked so close there was no way to get the wheel lift in. The guys on the porch looked at the paperwork and started laughing.
At this point, the repo guy could have called the cops but chances were the three guys would move one of the other cars and the repo would be driven away. So he got back in the truck, turned it 90 degrees to the car, raised the boom and extended it through the side glass, picked it up by the roof and hauled ass. 
We thought he was BSing us, but when he got to the bank he took several Polaroids and had them with him. He said the bank mgr. came out, verified the VIN and handed him a check, never said a word about the busted glass or bent roof.
At my old apartment (a E36 M3ty people-storage concrete box), I was awoken one night, actually morning, at about 3:30 AM by some strange sounds. Look out the window, and someone's car is getting towed. It freaked me out because it was right next to where my car was parked, and I'd had problems with people berkeleying with my car before. I was literally ready to jump out of bed and grab the shotgun, but after closer inspection I decided it wasn't mine, and as it pulled away, I saw it was a neighbor's BMW Z4. His recently-ex-wife had it repo'd somehow. Oh, young love.
Moved out of there about a month later. Good riddance.
N Sperlo wrote: Number three homicide rate in the US, I'm not taking any chances. The last resort is pulling the trigger. I can't do that without having it out. Think of it this way; what woulda police officers's response be? Thats what mine should be. I am the law enforcement for my property.
I completely understand that point......for myself, 911 call means 30-45min away, the sigs or the m1 are seconds.....
I Am Keyser Söze wrote: We have never been rude to the help, chances are who we are after has been. You catch more flies with honey than vinegar.
I did repos and tow aways for a while when i got out of school. I had a big white truck that was lettered and for the company I worked for generally was upfront with people like Keyser Söze's father. The wanna be cowboy in the black sneaker trucks generally don't last long as they piss off the wrong person or do something incredibly stupid and expensive as teh steal back peoples cars. The banks love them because they work cheap to pay the note on a truck they can't afford but if they had something those clowns couldn't get they they would come to us. When you look like you know what you're doing and treat people right it goes a long way. There were several garages in NYC I got into just by talking to the attendant like a person instead of trying to kick the door down. In six years I'd never had a serious problem with someone during a repo and the worst that happened on a towaway was having some groceries thrown at me.
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