CitiAuto Finance Complaint - Humiliated by Citi Auto
We have a car loan with CitiAuto at 18% interest with payments of 476.00 per month. My husband and I are now both on disability and finding it hard to make that payment. Last April 08, I made arrangements with "Chris" at Citi to redo our loan. I was under the impression that it was all set up so dutifully made my decreased payments of 350 each and every month. On 2/19/09, while we were out of state attending the funeral of my husbands father, we came out of the church and our car was gone! We called the police and they said it had been repossessed. We live in MT and were in MN for only 2 days when this happened. We were so humiliated, not to mention the fact that we had no verbal or written notice of this action. This is lower than a snake in a rut to do this at this time. How can anyone take your car from a funeral? The repo people even took the magnetic funeral flag that was on the car. I spent over 3 hours trying to find out what happened and was repeatedly put on hold or ignored. My cell was in use the whole time with 5 different people. My husband's medical supplies were in the car when they took it also. He is a diabetic and took his insulin!!!
Then, they broke into the car and removed all of our possessions and threw them on the floor. We did get access to them, but only for the medical, nothing else. We had to pay a 20.00 fee to get our possessions back. The next day, I started at 8 in the morning and at 2:00 received our car back. It was a nightmare from hell. Nobody wanted to claim their fault in this. I had to borrow over 2000 from my mother to get our car back, plus a 370 repo charge (this included towing/personal property). When we were looking at the paper given to us to sign (by Citi) they had the wrong address on it. That address was over 2 years old and I know they have our right address as we get statements every month. Is what they did legal? Don't they have to inform us of their actions? This put undue stress on my husband with his medical problems (high blood pressure; dialysis patient, cardiomyopathy) and could of very well caused a stroke (especially since he was attending his father's funeral).
Does anyone know if we have any legal avenues to pursue?? Please contact me at firstname.lastname@example.org if you do.