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Additional Details
I have no credit card debt, all my bills are on automatic pay from my checking account, and my car is paid for. Good income and I have saved 15% for the down payment.... |
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| i used my roomamates credit card, signed his name, but i had no intent to defr4aud him as i payed the bill in the whole amount. the roomamate still wants to press charges.... |
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 Unsecured Personal Loan? |
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| What is the #1 thing I can do to drastically improve poor credit? Affected by cancer medical problems? |
1.) i have no credit-low credit
2.) im young
3.) i have more negs on my report than positives
4.) i have chargeoffs from medical times, cancer, anyone for them to over see this?
5.... |
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| I use my car to take my disabled mother to and from shopping and hospital ... |
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chuyo | I finance a car for a friend, his name is not on the loan, he is got the car but he stopped paying,? |
now i have to pay off the car but what can I do to get it back? |
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Steveo
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Report the car stolen. |
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CountryGirl
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Nothing. You have no 'title' to the car. Pay the loan so your credit isn't destroyed anymore than it already has been and learn from your mistake. NEVER get a loan for someone else and NEVER co-sign a loan. tsk tsk |
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Sage
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Probably nothing. Valuable lesson learned - DO NOT BE GULLIBLE!!!!!!!! |
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SPIFIMAN1
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What a bunch of messed up answers. Auto finance is what I do for a living and since you financed the vehicle the title has to be in your name which means that the vehicle is your not your so called friends.
Tell him he has 24-hours to bring you the car or you will report it stolen to the police, and then do so if he doe's not return it.
Then you have two choices, you can keep the car and make the payments or you can sell it and pay the difference. |
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blklacquer
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call the local police dept. and get them to go with you to pick the car up. I mean its in your name so technically its yours. You will probably have to take them court or sell it and pay it off. Never do this again, its the easiest way to lose a friend and screw up your credit....Also talk to the loan company and see if they can help you. reposess (sp?) it |
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golightly1963
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If the car is in your name, report it stolen and get it back - at least then you have the car.
NEVER do that again! |
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Jen
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Is the car "title/registration" in your name or your friend?
Since the car is not paid in full, you probably do not have a title (pink slip), so the only thing you can do is reposses the vehicle.
See if you can talk to your friend about the situation, but a lesson learned is never loan money to a friend unless you expect up front to never get paid. |
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ashshortie20
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If you are the only one on the loan then you are supposed to be on the Registration and Title... you can and should take the car or claim its been stolen and have police get it from where ever he lives... NEVER co-sign or get a loan for someone else. You will always be at least Equally Responsible for payments. Your lender will not take pity on your situation either but you can call them and tell them the situation and ask for advise. Pay off the loan ASAP. You can voluntarily surrender the vehicle which will reflect on your credit report however if you have a lot of delinquencies anyway from him not paying it wont matter. Taking the car will be the best way to get back at him. And i wouldnt consider him a friend anymore either.... |
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katzpro
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Well you have to pay it for it so it doesn't bruise your credit, but the lesson taught here is: Truely who are your friends?! |
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tuxcatluvr
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Well then report it stolen. If the car is in your name then its technically your car. It doesnt matter if you have a tittle or not. The registration should be in your name if you have the loan. They wont put registration in anyone elses name that is not on the car. If anything get the car back. Leagally the car is yours. The cops will take the car back where ever it is. Or call the loan company and tell them you want the car repoed because you cant pay for it any more. Tell the repo company where the car is and they will take it away. Never lend money or take out loans for freinds or family. Most of the time they end up ruining your credit as well as the relationship you had with them. You have 2 options: call the cops and report it stolen and tell them where you think the car maybe or call the loan company and tell them where the car is so they can go repo the car. Sorry to say that you had to learn the hard way. Make sure you still pay back the car loan after they take it so that your credit isnt ruined alot by having a deficency balance hanging out there.Or you can just take the car back from him and drive it yourself if you want to pay for it. Sell it if you want or if its better than what you have now sell what you have now and keep that car. YOu have a lot of choices here on what to do with it. Its possible its not a total loss. Regardless you need to get the car back. Good luck and God bless. |
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shiprepairwoman
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Tell him you need to sell the car so to bring it back. Sell the car for what you can get and pay off the loan or keep the car yourself and sell the one you have now. |
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som5enak
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Take him to "People court" . |
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Popper b
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First, you need to verify that the other person's name is not on the loan. If their name does appear on the loan, they would have as much of a right to the vehicle as you do. Once you have verified that the loan is in your name only, you should contact the police and let them know of your situtation. Make sure that you have all of your questions ready when you call. Ask them how you can repo the vehicle. Ask them if you can report the vehicle stolen. Ask them if you should ask for police help to repo the vehicle. They will most likely advise you on what the law is in your state. You will most likely be able to get the vehicle returned to you with their help.
This goes without saying at this point but one should never sign for a vehicle for someone else, especially if their name does not appear on the loan.
Another option: if you are truly ready to payoff the vehicle, you must locate the vehicle, call the creditor and let them know that you would like to voluntarily surrender the vehicle. Do not let them know that someone else has the vehicle. The will advise you of your legal responsibilities before repossessing the car. You must not let them dissuade you from surrendering the vehicle. The will make arrangements to pick up the vehicle so you will not be directly involved with the repo. You will not automatically receive the vehicle unless you contact the creditor after the vehicle has been repossessed and let them know that you would like to redeem the vehicle. If you let the creditor keep the vehicle, they will sell it to a dealer at auction and you will be responsible for the balance left after the sale. The will receive a great deal less for the vehicle than if you were to try to sell the vehicle yourself. If you can afford to pay for the car payments yourself, then do so. If you cannot, then try to sell the car. If you can't sell the car, contact the creditor again and let them know that you would like to surrender the vehicle. If you can pay the vehicle off at any point after the initial repossession, go ahead and do so but do not payoff the vehicle until it is either in yours of the creditors possession. The last thing you need if to have that "friend" driving around in a vehicle that you have paid off. |
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witch hazel
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Judge Judy addresses this question a lot. Try there. But IF you are stuck with paying the loan off, consider it an expensive life lesson and don't ever finance or sign for anyone ever again. Lots of men are users but it can't happen unless you allow it. Consider yourself lucky to learn that he is a user before you became more deeply involved. |
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DaMan
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Whatever happened to loving somebody so much that you simply can't afford to risk losing them through a foolish loan? |
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desiarnazlover
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Without the title you are basically screwed. You can try to reason with him but nothing you can do will MAKE him give you the car. |
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drew12x
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It happened to my sister. Your best bet is to call the place that gave you the loan and do a voluntary repo |
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