Toyota Financial took my out of my account approx. 5 days after they

[JasonM]

repossed a car. Can they do that? A friend was experiencing a financial hardship after injuries sustained in an automobile accident in which an uninsured motorist struck him. He kept Financial Toyota in the loop of the problem and they stated that they had made notation in their system. He eventually was able to make payment on their online site for the amount that was owed. Approx. 5 days later he recieved a call a 2am to come out to his vehicle. It was the repo man and he stated he was taking the car. He explained that he had made payment online. The repo man stated that he had gotten the orders from Toyota that night. My friend attempted to log onto the account and it stated he no longer had access and had to wait until the following day to call Toyota. Toyota advised him that due to the deliquency they did not accept the payment and took the car. They told him he would have the pay the full amount of the loan off as well as associated repo fees before he could have the car back. He asked them why they waited 5 days from the time he paid online to decide to take the car and not contact him and they provided no answer. He again explained his situation and they confirmed that they did in fact see the notes of the times he had called in. They were unwilling to work with him. Now approx. 5 days later he noticed a large amount of money out of his checking account. He looked online and toyota had taken out the amount he was late. 5 days after taking the car! He called them and explained to them again what had happened and that he had made payment 5 days before they came and took the car and it was their decision not to take it. The woman from Toyota told him that it did not matter, he had stated he was not able to pay the full amount of the car loan so they took it upon themselves to withdrawl the amount delinquent after taking the car and they still are requiring him to pay the full amount owed before they will return the car.

Can they just decide after the fact that they are going to take the payment but still keep the car and make him pay the full balance? They are refusing to return the money to his account since they repossed the car and they refused the payment before hand.

 

[ceexmonster]

something similar happened with my mom, and with Toyota too. she bought a $21,000 car, and signed the papers. later, they sent copies to our house, and when she looked them over, she signed for a $38,000 car. but when she looked at her own paperwork, this isn't what she had initially agreed on. so basically, they scammed her. they eventually came around with this story about how it was because of her credit. she called a million different people, and got nothing solved. she eventually just gave the car back - or whatever it is they do. a few months after that, they continuously called our home asking for payments and saying that if she payed half now and half later she could have the car back. and even though she didn't want the car back, they kept harassing her and calling our house. she eventually had to get a lawyer involved, and she got all her payments back that she ever paid for the car. so my suggestion to your friend is that he contact a lawyer. good luck!