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Help. need letter to dispute repo

Discussion in 'Credit Talk' started by james35, Feb 15, 2003.

  1. Feb 15, 2003 #1
    james35

    james35 New Member

    Can someone direct me to a letter which would be appropriate to send to an auto creditor to dispute for removal. I have a two year old repo I'd like to at least attempt to remove. thanks for any help!!
     
  3. Feb 15, 2003 #2
    HDAlex

    HDAlex Well-Known Member

    What state are you in, and is the creditor the OC or a CA?

    -HDAlex
     
  4. Feb 15, 2003 #3
    james35

    james35 New Member

    Oklahoma, and it is the original creditor.
     
  5. Feb 16, 2003 #4
    uniondiva

    uniondiva Well-Known Member

    try disputing with the cra first.... who is the oc?
     
  6. Feb 18, 2003 #5
    HDAlex

    HDAlex Well-Known Member

    James,

    Try WhyChat's site - he has good information on repossession. I think, but could easily be wrong, that the UCC only allows 2 years to collect defiency balances on repos, in which case your SOL might already be up. If that's the case, at the very least you can get the balance on your reports zereod out.

    First and foremost, though, check the Oklahoma laws and make sure that they were followed to the letter. In most cases, they are not, and as such, no defeciency can ever be collected.

    -HDAlex
     
  7. Feb 20, 2003 #6
    hollypc

    hollypc Active Member

    Do you know the address of the site?
     
  8. Feb 20, 2003 #7
    HDAlex

    HDAlex Well-Known Member

  9. Feb 20, 2003 #8
    hollypc

    hollypc Active Member

    THANKS!!!!!!!
     
  10. Feb 20, 2003 #9
    HDAlex

    HDAlex Well-Known Member

    Most welcome. I saved about $25,000 because of his site, so the least I can do is pass it on - LOL.

    -HDAlex
     

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