I was 1 month behind on my truck payment because of a flood in the town I lived in had shut down my place of employment. I had contacted my loan officer and explained the situation. She stated that she has already contacted both my uncle and my roommates parents about me being behind on my loan payment. She stated that if I couldn't come up with the month that was late and the next months loan payment by the time I was 30 days past due she was going to repossess. Neither my roommates parents or my uncle were on my bank account or co-signers on the loan. They were just personal friends of that loan officer. But she contacted them as a members of the bank during business hours. On day 31 of being past due she repossessed my truck while I was at work. This caused me to loose my job. I've been paying off the balance of the loan ever since.
I am not licensed to practice law in your state.
The credit union is the original lender and not covered by the federal Fair Debt Collection Practices Act. There may be violations of your state's collection laws. Use the "Find a Lawyer" feature to connect with an attorney in your area. Many will offer free initial consultation.
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