Can payment stop repo on truck?

[advicepleaset]

I had my loan set up on auto debit. My house was broken into and though everything forgot to call and switch my account info with my bank. My truck is now in repossession (or the letter said I had until 4 days ago to bring it current). I called they day it was due and asked to send cash via Western Union (so the payment would post faster) and the lady said you need to make it by phone. I called by that evening to do a check by phone (the first lady said call before 9pm) and when I did she said I could only pay for it via Western Union! I explained at this point that it was 8:00pm and that they bank was closed to get cash and send and that I was simply doing what the first lady had asked (paying via phone). She told me that it HAD to be paid by 9pm and that is the only option I had. I called back the next morning and explained the situation and the lady promised to call me back and didn't. I have all the Western Union information and have the cash to bring the loan current and could send next months payment as well. My question is, if I send it though Western Union (though bill pay) so that the account is current will that stop the repossession? I don't want to send $3,000 cash and still have the car repossessed tomorrow. In that case I'd rather keep the cash and work it out. I'm thinking that if I send it Western Union and then it posts to my account they can't still take my car correct and how can they refuse the payment if I pay cash at West Union? Please advise. I'd like to take care of this and send if off today.

 

[lucy]

when they did not call back, you should have recalled them.

1st; call again; have pen/paper ready.

ask name of person you are talking to; ask they spell their name and ask for their id or badge number

if they say go to western union and pay now, do so. ask if there is someone to call to let them know after payment made.

make sure you have all of the confirmation information of your transfer so they can note your account. i would even wait an hour or so after talking to someone of your payment to verify noted again.

if they repossess your vehicle, not only will you owe the past due, but you will owe the tow fees and storage fees.

until payment and confirmation the creditor has, i suggest you "hide" your vehicle to make it more difficult for them to find.

my step daughter had this problem, she waited and had till 8pm to send. her mother went with her to verify she did this. it did save her from having her car repo.

 

[lucy]

when they did not call back, you should have recalled them.

1st; call again; have pen/paper ready.

ask name of person you are talking to; ask they spell their name and ask for their id or badge number

if they say go to western union and pay now, do so. ask if there is someone to call to let them know after payment made.

make sure you have all of the confirmation information of your transfer so they can note your account. i would even wait an hour or so after talking to someone of your payment to verify noted again.

if they repossess your vehicle, not only will you owe the past due, but you will owe the tow fees and storage fees.

until payment and confirmation the creditor has, i suggest you "hide" your vehicle to make it more difficult for them to find.

my step daughter had this problem, she waited and had till 8pm to send. her mother went with her to verify she did this. it did save her from having her car repo.

 

[Billy]

If the pick-up order has already been issued to the tow truck driver then the payment won't stop it and you can;t pay the tow truck either, he's not allowed to accept any payment. Its bye-bye auto.