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

 
Nyhee7

User ID: 1014671
United States
06/24/2010 10:00 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?
So they can find this guy's car, but they have no idea where Osama Ben Ladin is?
Anonymous Coward
User ID: 1012423
United States
06/24/2010 10:07 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?
So they can find this guy's car, but they have no idea where Osama Ben Ladin is?
 Quoting: Nyhee7


They? Haha! We are American citizens my friend. If they want you they will find you. It's one of those police state perks...
Anonymous Coward
User ID: 1002613
United States
06/25/2010 01:46 AM
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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?
go get a cheap paint job and then go to the junk yard see if you can pull a vin tab off of the left hand side front dash of the car do it carefuly then put it over your vin tab but make it looks good take your time don't do it cheesy like. repo dudes look for the color and vin # on the dash at night so make it hard for them.park it a few blocks away from your house put a cheap bike in the trunk so you don't have to walk so far and watch out for spotters they will follow you to the supermarket or something then call the repo man to come get it while youre shopping bike
Anonymous Coward
User ID: 982773
United States
06/25/2010 01:47 AM
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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?
Insurance company
Anonymous Coward
User ID: 907535
United States
06/25/2010 02:05 AM
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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?
Looking thru the replies, it seems like a pain in the ass dodging the repo guy.....more hassle than its worth, I give it back and buy a used car.....
Anonymous Coward
User ID: 922418
United States
06/25/2010 02:10 AM
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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?
Just so you know, if it is parked in a locked fence or a garage they cannot legally take it but they have been known to follow you until they can get it....like to the store. Park it at another persons house but in a garge or fence. But only if you intend on catching up with your payments don't steal. Nothing wrong with keeping them at bay a bit cause really they can't wait to get it back and screw you worse. Just pay them asap!
I only sympathize because i am 3 1/2 years into a five year loan missed 1 payment and woke up to my truck being towed. Only missed it cause i had alot going on and forgot but got it back the same day. They didnt call me, send a leter or nothing. I really felt cause they had made more than what they had shelled out already i was just about to get screwed. Companies are just dirty dawgs =)
:)
User ID: 1014843
Canada
06/25/2010 02:43 AM
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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 hid my car behind the bank I owed the money to - they never look there.
Anonymous Coward
User ID: 1014953
Australia
06/25/2010 02:44 AM
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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 find you.
all cars a chipped post 1984... some pre 1984
Plainbroke
User ID: 1130682
United States
10/14/2010 11:46 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 did not know so many people felt that they where owed so much, there is no free lunch people. Get a job, pay for your toys, or give them back, it is that simple.. As for the Repo Man, he is just making a living, doing a job, the real person to be pissed at is some bean counter in the loan office you used to buy the vehicle in the first place. Or yourself for being stupid enough to let them talk you into something you could not really afford in the first place. I qualify for a 250K home and at least 2 brand new vehicles. I could not afford to make the payments very long so why would I be stupid enough to fall into that trap. Oh I know so I could blame the repo guy for "taking my stuff" it is not yours if you do not pay for it.. Plain and simple pay for it or give it back.. otherwise you are the thief not the repo man he is just trying to recover the loan offices property, and it is thiers until you pay it off, read your contract before signing it.. Come on people this is why the country is in such bad shape, give me give me give me attitude.. You earn what you get or you do not get it, and if you do not belong in this country duck I shoot illegal aliens and have a license to do so.. ;-) wtf
Plainbroke
User ID: 1130682
United States
10/14/2010 11:47 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?
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

Where do you live I will let you know how fast they will find you!?
Anonymous Coward
User ID: 1124497
United States
10/22/2010 04:04 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?
STOP FIGHTING AMONGST YOUR SELVES AND GO FOR THOSE WHO HAVE LEAD YOU INTO THE SPIDERWEB OF ENSLAVEMENT!

Forgiveness is the answer. If you forgive each other and forgive them, the father in heaven can forgive you. Jesus is the answer.
Anonymous Coward
User ID: 1124497
United States
10/22/2010 04:05 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?
[link to www.youtube.com]

www.letthetruthbeknown.com
weegie

User ID: 1137771
United States
10/22/2010 06:27 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?
zabasearch.com -- for one...there are others that have to be paid for. If you get any bills or have utilities it's EASY to find you. I've found a couple of people who have no idea I know where they are...not gonna do anything about them, just like knowing where the sob's ARE.
Anonymous Coward
User ID: 1143337
United States
10/27/2010 01:57 AM
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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?
deadbeat just do the decent thing and bring in your car now.
 Quoting: Anonymous Coward 830709

repomen think they are above the law.. thanks to mr repoman pulling a 357 mag. on me and i had a video cam on my house pointed at my truck . he went to jail ,then we went to court and guess what??? the thruck i owed 15000 on that i was behind 1200 i ended up taking it as for as i could through the courts.. that was six months ago i still have my truck and now i have a clear title on it... this want a be s.o.b fuck himself and the bank. thanks you dumb fuck. i was a little smarter than you
Anonymous Coward
User ID: 1137951
United States
10/27/2010 02:02 AM
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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?
Best way. trade your car with an out of town friend.
danman

User ID: 994330
United States
10/27/2010 02:05 AM
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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?
same way a bonds man does..friends/informants/cops/snitches and legwork...DONT BUY SOMETHING YOU CAN NOT AFFORD ...I am tired of losing half my check to taxes because of mismanaged w money from idiots like YOU
you're a dick mr. hand
Anonymous Coward
User ID: 1071852
United States
10/27/2010 02:08 AM
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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?
how about, PAY YOUR FUCKEN BiIIS
Anonymous Coward
User ID: 1137636
United States
10/27/2010 02:12 AM
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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?
Insurance company
 Quoting: Anonymous Coward 982773

THIS

HOLY TROLLA MOLLIE
Anonymous Coward
User ID: 1138091
United States
10/27/2010 02:21 AM
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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?
Almost all late model computerized pieces of crap have a type of Lojack installed.This is why the push to get older cars off the road(even 36mpg imports).

You will be found and your car will be taken and the money you already paid will be kept and your car will be auctioned off for a fraction of it's value and you will be billed the difference between it's inflated Kelly Bluebook Value and what it sold for at auction.

You would be better off to strip the car for parts and send the empty hulk to the bottom of a strip pit(right along with it's tracking device).
Anonymous Coward
User ID: 621620
United States
10/27/2010 07:02 AM
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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?
sheesh, I can't beleive all the bad advice that the OP is getting to commit illegal behaviour. What are you trying to do here, get him arrested??? Do some people get their kicks out of this kind of thing?

To OP: Dont even think about doing anything illegal.

I was a skiptracer for over 10 years for 2 major fiancing companies of autos. here are the REAL facts

1-there are no secrets anymore, the smallest thing can get you found. I once found a car from a newspaper article where the debtor had previously had an article in his state printed about him where his horse had won some kind of event. I simply called the debtor's local horse stables and clubs and got put in touch with him.

I once found another car by knowing that the debtor always bowled on Tues nights. Repo guy simply checked the 2 local bowling alleys on Tues nights, until the car showed up.

2- A Skiptracer CAN call your relatives, neighbors etc, what they CANT do is discuss with those people why you need to talk to them or what its about, that is considered giving info to third parties and IS illegal. All a ST can do is leave a message, or try to get info by pretending you are a long lost friend, etc. ST can NEVER pretend to be a cop.

3-The auto co's really do not want their cars back, they are too devalued, they would prefer you man up, call them and make arrangements and DONT make them hunt you down. (then they have added costs in paying a skiptracer)

if you simply have been out of work for too long to even consider making any kind of payment, turn the car back in, again DONT make them hunt you or their car down. THAT is when you get those law suits for the balance of what they couldnt get for the car at auction. Otherwise, if you just try to keep working with them, and just cant pay, they generally write off the balance without trying to get it from you after auction

4-while I realize it's a vicious cycle in that no job= no money to pay for the car and no car =no way to look for a job, it is still best to do the right thing, even if you have to ride a bus to job hunt for a while. you WILL eventually recover and be able to get another car.

5-There are 3 situations where a car cannot be repo'd without your signing an agreement to it (at least there used to be , I have been out of it for a couple years now,) but the states of Louisiana, Michigan (or it might be Minnesoto, cant rememeber) and an Indian reservation all have these laws. it is then up to the repo guy to talk the debtor into signing the form that allows them to legally repo it.

6-Do NOT destroy their car, again this is when you get those after auction lawsuits.

7-If you are employed and you tell them to stop calling your job,, they HAVE to immediately. If you tell them to STOP calling your house, then this must be in writing. If they break those laws, now YOU have the upperhand. so know your rights. There are also laws about the TIMES of the day that you can be called, as well as how MANY times per day they can call you.

8-While it's true that they cannot open a garage or a locked fence gate to get the car, unless you plan to not ever use it to go to a store etc, why are you even hanging onto it? beleive me, they will be watching for the first slip up of your moving that car into neutral territory such as a store, or a friend's house.

9-if you do manage to keep it hidden for about 6 months, they generally write off the car, but beleive me, you are now flagged and on a regular basis, they look at your credit report, and other sources, for your next job, and THAT is when the straight out garnishemnts begin. You will never be free of this debt, if you do not handle it right.

There are statutes of limitations as to how long they have to file lawsuits, but they simply get their judgements during that time, and can then COLLECT on that judgement whenever they can, via your next job, etc. OR ANYTHING you own of value, such as a bank account that you may get in
the future.

10-All this biz of the cops helping to find your car is crap, they dont care, its a civil matter, unless the ST has a connection in your local police dept, which is always very very likely, trust me.

11-beleive me, all I need is your name, and ANY city you have ever lived in to find you, I dont even need your SSN. All of which are on the credit app that you originally filled out.
Anonymous Coward
User ID: 1136348
United States
10/27/2010 07:17 AM
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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.


i've been unemployed since march and unable to land another job. fuck off.
 Quoting: Anonymous Coward 736797


If you can't pay it will be towed away , and yes I will find it "stolen" or not.
Anonymous Coward
User ID: 1136348
United States
10/27/2010 07:21 AM
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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?
go get a cheap paint job and then go to the junk yard see if you can pull a vin tab off of the left hand side front dash of the car do it carefuly then put it over your vin tab but make it looks good take your time don't do it cheesy like. repo dudes look for the color and vin # on the dash at night so make it hard for them.park it a few blocks away from your house put a cheap bike in the trunk so you don't have to walk so far and watch out for spotters they will follow you to the supermarket or something then call the repo man to come get it while youre shopping bike
 Quoting: Anonymous Coward 1002613


that doesnt make it hard for me, i just get the donut wankers involved and the soon to be walkin the dog no house motherfucker ends up with jailtime and fine on top of it. )
Anonymous Coward
User ID: 1141206
United States
10/27/2010 07:27 AM
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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?
same way a bonds man does..friends/informants/cops/snitches and legwork...DONT BUY SOMETHING YOU CAN NOT AFFORD ...I am tired of losing half my check to taxes because of mismanaged w money from idiots like YOU
 Quoting: danman

You do lose half your check due to mismanagement of funds but get the bigger picture it isn't because someone missed a car payment. The problem is much larger than that.
Anonymous Coward
User ID: 1138091
United States
10/27/2010 07:28 AM
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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.


Yeah, how dare those banks loaning people money for things they dont have the cash for. Bastards! They even make money off the deals! What the hell do they think they are, a for profit business or something?

And the nerve of them actually wanting me to pay back the cash I was given. Dont they understand I HAVE PROBLEMS!
 Quoting: Anonymous Coward 432008

They spent the last 40 years destroying our purchasing power so they could get us hooked on usury. Before their interference a kid with a minimum wage job could buy a NEW CAR ON 6 MONTHS PAY!

Hanging is too good for them, take anything you can and if you ever catch one of those bastards alone,do the world a favor and hold his face in the toilet for about 10 minutes!
dumbass
User ID: 1178742
United States
11/29/2010 06:03 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'll call all your credit references: provided by you.

then I'll call your mom,
then I'll call all of your step dads.
then I'll call your cohabitating women of history...
then I'll call their moms. (they always hated you)
then I'll call of the people who have fired you...
then I'll chat with your kids on myspace...

Then I'll call the guy that lives across the street from your brother.

Then I'll call the management of the trailer park/ apartment complex.

Your car will get picked up.

Then, I will get a check. $100
 Quoting: Anonymous Coward 737098

I was assalted by a repo dick head and guess what we went to court his ass went to jail and the company he work for shut down due to bein sued so FUCK all you repoman.. i can run i can hide . if you dont use real refferences then he cant call them
dum ass
User ID: 1178742
United States
11/29/2010 06:12 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?
a repo driver can not touch you if you are in the car and will not get out. let them touch you i dare you because you will end up keeping your car and they will go to jail..
and as for as it being elegal to hide your car , they have to prove you are hiding it .. example you have two jobs, when you get home your wife takes the car to work.. even if you are hiding it they cant prove it.. take and trade cars with your brother , or go rent a car for 19.95 a day when my car is home I sleep in my car with a 357 mag. and somethimes i leave my dog in the car at nite repo man will get a big supprise
angel
User ID: 1209646
United States
12/28/2010 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?
Can you gift it to someone, sell it for a dollar. If repo hasn't come for it yet, that may work.


You can't sell a car which you don't have a title for.
 Quoting: Æon_Epinoia


I drove & drove it , Blew the transmission up , let it sit up the Repo people never found me , so I sold my 2002 trailblazer to a junkyard made 500.00 because I wanted it outta my yard . To this day everything all good.
gamerprincess81

User ID: 1033168
United States
12/28/2010 03:26 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?
Many auto loan applications have a section where you list family and friends. That is for skip tracers.
 Quoting: Anonymous Coward 688273


That's why you never put names and numbers of real friends and family!
:gp81:

"Staring down the hole again. Hands upon my back again. Survival is my only friend. Terrified of what may come.."

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XBL- gamerprincss420
Anonymous Coward
User ID: 1055544
United States
12/28/2010 03:54 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 trace you just like a private investigator would. They'll find you and if they don't they'll file theft charges for the car. It's best to give in.
 Quoting: Anonymous Coward 1012423


So many idiots think they can file theft charges. If it were that easy, they wouldn't need skip tracers and repo men.

You posess the car legally. They do have the right to reposess (if and when they find it), you have not stolen it and no charges can be filed. It's cat and mouse. If you can keep away, then you get away.
Anonymous Coward
User ID: 1029269
United States
12/28/2010 04:19 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?
11-beleive me, all I need is your name, and ANY city you have ever lived in to find you, I dont even need your SSN. All of which are on the credit app that you originally filled out.
 Quoting: Anonymous Coward 621620


Really? That is all you need is a full legal name and anywhere I lived? I am so tempted to try you out on this.