Q: Can my car get repossessed after one week of no payment in the state of Oklahoma?
I financed a car through a car lot. I was one week and 3days late then got threatening text messages from the financier saying they were going to call the authorities if they did not receive a payment I paid them half on Friday (the day of the call) and they agreed to receive the other half Monday when I got paid. Saturday morning they came and repossessed the vehicle. When I tried to pay the remaining balance on Monday plus a tow bill. they told me they did not feel comfortable giving me a loan anymore and if I wanted the vehicle I would have to pay in full? is this legal how can they do that I also have several things in my truck that they are not allowing me to get they will not even tell me where my vehicle is. I have filed a police report but the police said there was not much that they can do. What can I do legally.Because I feel cheated from this company and I just put $1,200 in the truck that same Friday. If they are repossessing the vehicle can I charge them my mechanic bill?
A: I would have to see your contract, but it appears as if they did not follow the Fair Debt Collection Practices Act. They cannot threaten criminal charges, or negotiate in my opinion negotiate for further payment only to repossess. You need an attorney to look at the contract and then potentially take them to small claims court.
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