Get your fucking tow truck off my fucking car or I will make you regret the day you decided to be a repo-man.
Fucking car credit places. Look, I had a nervous breakdown, quit my job and went into seclusion for a few weeks. When I came out of seclusion, the job market sucked and I couldn’t find one, so I couldn’t pay you. That’s why you haven’t been paid.
I get paid in two weeks. I wi8ll send it then. Good enough?
What do you mean NO???
Fuck you, Ford credit. And fuck my fucking car. And fuck the fucking salesman who ripped me off.
Fuck it.
Three posts in one day, and they’re all in the Pit.
Dude, it’s NOT your car until it’s paid for. Until then it’s owned by whoever loaned you the money.
I’m sorry you have a nervous breakdown and lost your job. In fact, I am so fucking sorry that if I was the asshole who loaned you money for the car I’d probably give you the extra two weeks. Problem is (for you) I’m not the one making the decisions here.
Unfortunately for you, Ford credit is ruthless. If you’re old enough to buy a car you’re old enough to know how car loans work. If you don’t - well, you do now. No, two weeks is not “good enough” for Ford.
From the point of view of Ford and the salesman it is YOU who are doing the “ripping off” by not delivering the payments on time as you promised at the time of the sale.
And don’t take it out on the poor repo man - he’s just doing his job. He didn’t decide to repo your car, he’s just the hired hand. Most tow drivers hate doing repo because it’s fucking dangerous - you never know who’s going to flip out and get violent.
Also, did you try to call them as soon as you knew you wouldn’t be able to make the payment on time? Creditors are usually a little more understanding if you don’t wait until after it’s due to try to put it off. Much as I’d like to be sympathetic–and I’ve been where you are, believe me-- fact is, you promised to send them money every month and when you don’t, they have every right to come take the car back. You don’t own it until the title has YOUR name on it instead of Ford Credit.
Adding to the choir of voices here… in fact, it’s not your car. It has a lein against it, and it serves as security for the loan - the loan you defaulted on by not making payments during your “seclusion.”
It’s not Ford Credit’s fault that you had a nervous breakdown, or that the job market sucks. They are not a charitable organization. They are in the business of loaning money. You borrowed money from them, and then didn’t live up to your repayment agreement. They took the car, which was the piece of property intended to secure the loan.
Could they have been more compassionate? Sure. And perhaps a more compassionate company would earn your gratitude. But you know something? I don’t know how much “gratitude” is worth in the consumer credit business. Five years from now, are you more likely to say, “I’ll go with Company A, even though they’re more expensive, because they didn’t repo my car even though they could have,” or are you likely to simply compare rates and take the best deal that’s then available to you?
I think it’s the latter. But I could be wrong.
In any event, the fault for the repo’d car lies with you. Not Ford Credit.