Chrysler Capital review: repossession 6

I didn't realize until today that Chrysler had so many complaints against them. My experience with Chrsyler was in September 2006, yes I was going into my 3rd month of being late with my payments, only because for the first 3 months when I went to the car dealership in Virginia that said that my finance company was Chrysler and Chrysler sent me two letters saying that our loan had been denied. When I contacted the car dealership who sold me the car they said that they would get back to me on who my finance company would be, I called them and called them no one ever helped me (what I should have done was took the car and dropped it off at the dealers until they were able to correct the problem), so when Chrysler 2 months later contacted me about my late payments it became a mess and that's when I contacted a representative of Chrysler (I can't remember her name) but I asked her to give me until the 19th of September that I would definitely have all of the money to pay my bill and to get back on track with my car note, she gave me the amount to pay including late fees, which was a total of about $1900, I told her no problem I would MoneyGram the money to them, we got off of the phone with that agreement (I thought) in place. On September 16th a gentleman pulled up in front of my home and repossessed my van. We did not argue with him, we gave him the keys and he allowed us to take things out of our van that we needed and that was that. I called Chrysler financial and spoke to a representative (this lady was so nasty, that I eventually called back with a lawyer on the phone to see if he could help with getting my van back) and she cursed him out and myself, and told me the reason why she was not going to allow me to get my van back was because I was rude and nasty, so at first she told my husband and I that we would have to pay the full amount to get our van back which was $28, 000. We didn't even pay that much for the van. So after several times trying to get someone to talk with us in paying the $1900 and the storage fee to get our vehicle back we were not successful, so now it is on our credit report as a repo and owing $13, 000, a big difference from the $28, 000, I am now afraid to call them with seeing all of the various complaints in the finance department that other customers have had. I really don't know what to do, because I want to see how much of a payoff would they accept any order to have this issue removed off our credit or at least as a satisfied account. Please someone help me!

I need to give you a billing CHANGE OF ADDRESS
Account Number [protected]
FROM Bridge City Docks, Inc. 3616 North Causeway Blvd., Metairie, LA. 70002
TO: Bridge City Docks, Inc. 3717 Colorado Ave., Kenner, LA.

I am trying to PAY the monthly bill. However, we have not received it, because it has been going to the OLD ADDRESS. I called your office and they informed me that the could not change the address. I spoke to CHRISTY JOSEPH, who thought that she was the customer and not I. I asked to speak to her supervisor, a Rob Summers. He refused
to speak with me and would not come to the telephone.

ALL WE WANT TO DO IS TO...PAY ...THE MONTHLY BILLS. Please change our BILLING ADDRESS. SINCERELY...JOSEPH BRUNO, SEC.
LAURIE MC GINITY, PRES.

Repo companies working for a reputable company CANNOT open a closed garage, or even a locked gate. Call the cops.
Repo companies MUST identify themselves, and have proper licensing on themselves and their vehicles. If not, call the cops.
If a repo company violates any off these, report them to the finance company as well. They will no longer be able to work on behalf of that company.
Reputable finance companies (Chrysler Financial, Ford Motor Credit, GMAC) typically do NOT start repo procedures until two payments are past due. (A payment is past due the day AFTER is was due. At this point, there would be one a 31 days past due, and one at 1 day past due).
Typically, the customer is given a letter to bring the account current within a certain amount of days. Failing to do this may result in a repossession.

This Place is a Ripoff. They First tell me to get in this crazy deal with 20% interest. Than advice me after a year to refinance the vehicle. However a year past by i go to refinance the vehicle and no bank wanted the terms Chrysler had put me on. Now i Lost my Job don't have no way to pay them, and there is no bank who wants to do a refinance on this car. They managed to [censored] me so hard my only option is to Voluntary Surrender the vehicle and i will be hunted for this FOREVER. Thanks for the Help Chrysler Capital this company is a FRAUD! be carefull on what you sign with them. So frustrated my credit after so much work i have been paying this car for about 3 years now it was 17000 all on time payments. except for 2 extensions i requested because i was going broke trying to pay this car off. When i called to check my status and how much is owed on the car I was told that i am only meeting my interest rate. so out of 412 dollar that was my car note. only 100 was going toward my car payment and the rest was going to interest. now i have 3 years paying this car and i still owe 14000. everything else has gone to INTEREST. I am VOLUNTARILY SURRENDERING this vehicle I WONT BE [censored]ED ANYMORE.