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How do repo men find your car if the finance company doesn't have a current work or home address?

 
Anonymous Coward
User ID: 736797
United States
07/28/2009 02:15 PM
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How do repo men find your car if the finance company doesn't have a current work or home address?
i am facing repo action next week if i can't pay. they don't have my current info. will they find me?
raxx

User ID: 658249
Netherlands
07/28/2009 02:16 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
RFID/GPS
Anonymous Coward
User ID: 189801
United States
07/28/2009 02:19 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Know what a skip tracer is?

They WILL find you.

It matters not that they don't have your current info.

They WILL find someone who will give you away.
Anonymous Coward
User ID: 713096
United States
07/28/2009 02:21 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
You need to make sure none of your references on your loan form will give them your address. Don't park near your home, whether they have the address or not. Don't drive on any streets that may cross their path while they look at the old addresses and job. Don't get stopped by the police. If possible take the vin # off your dash. (may cause another set of problems)

good luck.
Anonymous Coward
User ID: 688273
United States
07/28/2009 02:22 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Many auto loan applications have a section where you list family and friends. That is for skip tracers.
Anonymous Coward
User ID: 642285
United States
07/28/2009 02:22 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Yes. in time they will. If you have a GPS disconnect it completely. If you have "on star" or some other service that provides voice communication with a manufacturers "center" get rid of that system NOW! Both can be used to locate you within a matter of inches or feet anywhere in the US.

Go to the junk yard and get a ignition key cylinder and then put it in place of teh old one. You will be able to start the car, but a repo man won't have a working key. Won't stop him, but it may slow him down a bit.

Park where they cannot load you onto a trailer tow truck or pick up your front wheels or rear wheels and take it away. A busy garage in a city is a great place for such crowded conditions but be sure to tip the garage attendants well so they'll protect your car by not moving others to create access to it!

In the end they'll get the car no matter what. Get new transport lined up somehow and use the tactics above to forestall the inevitable. Good luck. I once avoided giving a car back for well over a year when a lease was up. And they didn't find it, until I had a friend take the car into them and say "here it is" asshole!
Anonymous Coward
User ID: 713924
United States
07/28/2009 02:23 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
if they know your previous name/address/phone number I can think of many ways to extend that information to find out where you are now. Lets go down the list of the ones I can think of shall we?

- They contact the post office to get your forwarding address, or ask them where they think you are.

- They contact the DMV to get your current residence.

- They contact the phone company and ask for a forwarding address or phone number.

- They contact any friends or relatives, and will most likely pretend to be a friend trying to find you, someone who is "concerned" about you.

Keep in mind they can google you, make connections about where you might be living. I wouldn't put it past these people to goto your previous residence and start asking everyone there where you moved. Or at a minimum what you moved in, say you moved in a Uhaul and they narrow the date down to a weekend back in April.

Now they goto Uhaul and slip the guy $20 to find out who rented on that weekend for that location. Or everyone who rented that weekend and they narrow it down using other methods.

Everyone leaves tracks, these are just the most common ones I can think of.

My best advice is, park your car in a garage of a friend or somewhere far away from you. Then bike/walk to it and make sure you aren't being followed. Once they get near, they'll spot your vehicle and then they can hook it up and drag it off in less than 30 seconds. You won't have a chance to stop them.
Anonymous Coward
User ID: 688273
United States
07/28/2009 02:24 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
I once avoided giving a car back for well over a year when a lease was up. And they didn't find it, until I had a friend take the car into them and say "here it is" asshole!
 Quoting: Anonymous Coward 642285



So in essence you are a low life thief huh?
Anonymous Coward
User ID: 561062
United States
07/28/2009 02:24 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
they will just get your information from the DMV. even the cops help them out
18328

User ID: 18328
United States
07/28/2009 02:25 PM

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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
My late Brother in law owned a skip tracing business and you'd be surprised the resources they have at their disposal for locating people. For one thing if you are using a credit card or ATM card for cash, better stop. They can tap the records of your accounts and see where you have been hanging out.
noKnothing~

User ID: 631297
United States
07/28/2009 02:26 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Your odor is strong. Watch out for Canines
(.__________________________________.)
Anonymous Coward
User ID: 736604
France
07/28/2009 02:26 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
sell the car for cash tonight!
Anonymous Coward
User ID: 713096
United States
07/28/2009 02:26 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
another thing to remember is that skip tracers buy names and addresses from pizza places and check cashiers. everyone orders pizza and if you have money problems you may go to a check cashier.
Anonymous Coward (OP)
User ID: 736797
United States
07/28/2009 02:31 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i am actually considering having it "disappeared" out of state over the weekend and reporting it stolen and filing my insurance.
Anonymous Coward
User ID: 688273
United States
07/28/2009 02:31 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i am actually considering having it "disappeared" out of state over the weekend and reporting it stolen and filing my insurance.
 Quoting: Anonymous Coward 736797



I hope you get 2-5 years.
Anonymous Coward
User ID: 432008
United States
07/28/2009 02:32 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i am facing repo action next week if i can't pay. they don't have my current info. will they find me?
 Quoting: Anonymous Coward 736797


So your being unable to make car payments is the banks fault how? You signed an agreement using the car as collateral for the loan. You are an adult correct? Understand what a contract is?

If you cant pay, dont make a repo man find your car. Let them have it and run your life in a responsible manner.
Anonymous Coward (OP)
User ID: 736797
United States
07/28/2009 02:37 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i am facing repo action next week if i can't pay. they don't have my current info. will they find me?


So your being unable to make car payments is the banks fault how? You signed an agreement using the car as collateral for the loan. You are an adult correct? Understand what a contract is?

If you cant pay, dont make a repo man find your car. Let them have it and run your life in a responsible manner.
 Quoting: Anonymous Coward 432008


i've been unemployed since march and unable to land another job. fuck off.
Anonymous Coward
User ID: 432008
United States
07/28/2009 02:42 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i've been unemployed since march and unable to land another job. fuck off.
 Quoting: Anonymous Coward 736797


So again... your being unemployed and possessing no marketable skills is the banks fault how? You think the bank 'owes' you a free ride? You think you were somehow taken advantage of by the bank when you got your car loan?

Be responsible, not another bottom feeder.
Anonymous Coward
User ID: 618412
Canada
07/28/2009 02:47 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Bury it and report it stolen.
Anonymous Coward (OP)
User ID: 736797
United States
07/28/2009 02:49 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i've been unemployed since march and unable to land another job. fuck off.


So again... your being unemployed and possessing no marketable skills is the banks fault how? You think the bank 'owes' you a free ride? You think you were somehow taken advantage of by the bank when you got your car loan?

Be responsible, not another bottom feeder.
 Quoting: Anonymous Coward 432008


i will no longer respond to this self-rightous shill. i am talking about survival here. and i have marketable skills, just in the wrong market. you stupid bitch.
Pheenix11

User ID: 665901
United States
07/28/2009 02:51 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Lets get down to brass tacks, who owns the loan? Are they an asshole bailout bank? If so fuck em!
Anonymous Coward
User ID: 705617
United States
07/28/2009 02:55 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
My late Brother in law owned a skip tracing business and you'd be surprised the resources they have at their disposal for locating people. For one thing if you are using a credit card or ATM card for cash, better stop. They can tap the records of your accounts and see where you have been hanging out.
 Quoting: 18328



Yep, skip tracing. Used to do this myself for law firms. They can even find who your neighbors were 15 years ago.
Anonymous Coward
User ID: 432008
United States
07/28/2009 02:57 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i will no longer respond to this self-rightous shill. i am talking about survival here. and i have marketable skills, just in the wrong market. you stupid bitch.
 Quoting: Anonymous Coward 736797


Survival off anothers dime. No different than an ordinary thief stealing a pack of smokes from a 7/11, only you are stealing something worth thousands of dollars. Steal that much normally and you are a felon and do 5 to 20, do it by skipping out on a loan and you want pity and a feeling of self-righteousness in doing so.
Anonymous Coward
User ID: 723107
United States
07/28/2009 02:57 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i am facing repo action next week if i can't pay. they don't have my current info. will they find me?


So your being unable to make car payments is the banks fault how? You signed an agreement using the car as collateral for the loan. You are an adult correct? Understand what a contract is?

If you cant pay, dont make a repo man find your car. Let them have it and run your life in a responsible manner.
 Quoting: Anonymous Coward 432008



People, don't let assholes like this detour you. The blames falls on the lenders that knew full well what they were doing when they lent to high risk individuals. They're greedy fuckers that shamelessly utilize loopholes to charge you usury rates. They were LOOKING to find people like you. They're not losing money on you, they're likely making it, and to your demise.
Anonymous Coward
User ID: 432008
United States
07/28/2009 02:59 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
People, don't let assholes like this detour you. The blames falls on the lenders that knew full well what they were doing when they lent to high risk individuals. They're greedy fuckers that shamelessly utilize loopholes to charge you usury rates. They were LOOKING to find people like you. They're not losing money on you, they're likely making it, and to your demise.
 Quoting: Anonymous Coward 723107


Yeah! And how dare those farmers selling us suckers that food they know we obviously need but can't always afford. They are looking for people like us to make money from. I say we should just storm the farms and take the food. They made enough money on me over the years.
Anonymous Coward
User ID: 116502
United States
07/28/2009 03:02 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Survival off anothers dime. No different than an ordinary thief stealing a pack of smokes from a 7/11, only you are stealing something worth thousands of dollars. Steal that much normally and you are a felon and do 5 to 20, do it by skipping out on a loan and you want pity and a feeling of self-righteousness in doing so.
 Quoting: Anonymous Coward 432008


\
Big business and government rob us everyday. Everyone knows cars are overpriced pieces of crap.
Anonymous Coward
User ID: 736829
United States
07/28/2009 03:03 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i am actually considering having it "disappeared" out of state over the weekend and reporting it stolen and filing my insurance.
 Quoting: Anonymous Coward 736797


Your not bright are you sparky?
You just wrote that on line for everyone to see.
geeeeeezzzz
Anonymous Coward
User ID: 657905
United States
07/28/2009 03:03 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Not only will they find you, but they can involve the sheriff, which means you'll face criminal charges for theft. Repo guys can't just show up at your house and take your car. Prior to that, they actually alert the local police department, so the cops already know. While they won't do anything because this is a civil action, they can provide info. And the sheriff CAN get involved if the bank/creditor files a theft charge against you. Give it up and take the bus.
Anonymous Coward
User ID: 681616
United States
07/28/2009 03:04 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
fuck the haters

the banks are the bottomfeeders here

make a car payment and the bank says ok payment times 10 and loans it out again at usurious rates.

so ten car payments and an auction and the bank has a hundred grand to loan out . plus you are still on the hook for any unpaid balance.
Anonymous Coward
User ID: 711304
United States
07/28/2009 03:06 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
i am actually considering having it "disappeared" out of state over the weekend and reporting it stolen and filing my insurance.
 Quoting: Anonymous Coward 736797



Dont do that.. Insurance Fraud is punishable with jail time..
Anonymous Coward
User ID: 432008
United States
07/28/2009 03:07 PM
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Re: How do repo men find your car if the finance company doesn't have a current work or home address?
Big business and government rob us everyday. Everyone knows cars are overpriced pieces of crap.
 Quoting: Anonymous Coward 116502


Then dont buy one! Nobody forces you to sign a loan and they justify what amounts to grand theft. So damn many people looking for justification for their inadequacies.

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