kiranlightpaw: kiran_likeshine (Default)
[personal profile] kiranlightpaw
So this morning, I'm getting into my truck to leave for the office. As I'm backing out, I notice a wrecker sitting halfway out of my neighbor's driveway and halfway out into the street. Annoyed, I make a mental note to back out of the driveway at an angle so as not to hit the guy.

As I'm waiting for the garage door to go down (I have this pathological fear that I've left the garage door up, so every morning I have to wait for it to go down before I can leave), I hear a tap on my window. I turn, and, standing outside my window is a big, intimidating-looking black guy.

Now, I live in a pretty nice area. Not the nicest, but hardly the like the area my shitty apartment was in; large, intimidating people are not a common sight. He taps again. I notice he's wearing a logo on his shirt matching the one on the truck, so I figure he's with wrecker company. Against my better judgement, I roll the window down.

He starts asking me a barrage of questions, like I'm in some courtroom.
  • Where is your neighbor, she's not answering the door? I don't know. She has two kids, maybe she took them to school?

  • There is no school, it's fall break. Oh, I didn't know. I don't have kids.

  • Does she drive a Toyota Corolla? Yeah, I think so. Never really paid attention.

  • Is it this one in the road? (Points to a red one sitting kind of in front of the empty house next door) No, it's a different one.

  • What color is it? I don't know, I can't remember.

  • Is it red, white, black? White, I think.

  • Do you know where she keeps it? In the garage, I think.
After that, he seemed satisfied, thanked me and walked back to his truck. Frankly, I was pretty disturbed by the whole experience.

Hell, I have no clue about my neighbors. We don't talk much (no one in this neighborhood really does). They stay out of my business and I return the favor. All I know is that she's a single mom (I never see any men at the house) and has two kids, one a teenage male who I usually see mowing the lawn and one younger girl my wife has met.

So I make a mental note to look up the wrecker company and complain about their rude tow driver. But then I got to the office and started working and forgot about it. Until just a few minutes ago when it randomly resurfaced in my head. So I googled the letters "UAR". No relevant hits. Thinking it stood for "United Auto" something, I started there, and, the first hit with a logo matching exactly what was on the guy's shirt and truck:

United Auto Recovery
United Auto Recovery provides professional, industry leading repossession services with an emphasis on client satisfaction through cutting edge technology initiatives.
My neighbor is a single mom with two kids, and I helped get her car repossessed. FML.

(no subject)

Date: 2010-10-05 08:26 pm (UTC)
From: [identity profile]
Well its not like you did it on purpose. Still is shitty though.

(no subject)

Date: 2010-10-05 08:32 pm (UTC)
From: [identity profile]
He couldn't have gotten in her garage though, could he?

(no subject)

Date: 2010-10-05 08:43 pm (UTC)
From: [identity profile]
Nope, that's breaking & entering. :)

(no subject)

Date: 2010-10-05 08:35 pm (UTC)
From: [identity profile]
Yeah, that definitely sounds like a repo man. I used to sit at work and read the repo reports when I had to sort them for scanning. There were some good ones in there... >_>

As long as she's keeping her car in the garage she's probably safe. The vehicle needs to be in sight AND somewhere that is not considered "breaking and entering" (so inside a fenced yard behind a locked gate) for them to be able to repo it. Even if they see the car in the garage they can't break in to get it. She may already know that, hence why she's keeping it in the garage. ;)

Really does suck that they're after her car, but sadly having worked at an auto finance company really did teach me that staying current on your car note is extremely important. Some of the shadier finance companies (and sled lots in particular that do "in-house financing") will repo your car if you are even a single day late in your payment. Without a car, you can't get to work, without work you can't pay bills, so time to cancel the cable, scale back on the phone & internet speed and get those bills paid. :\

(no subject)

Date: 2010-10-05 10:30 pm (UTC)
From: [identity profile]
My neighbor is a single mom with two kids, and I helped get her car repossessed. FML.

I'm taking the unpopular route, here...She helped herself. You don't pay, you lose your stuff. Credit is awesome!

-Tiger Nick

(no subject)

Date: 2010-10-06 09:02 am (UTC)
From: [identity profile]
I actually agree with you, as well.

Though, honestly, who knows what all the circumstances are.

(no subject)

Date: 2010-10-05 11:21 pm (UTC)
From: [identity profile]
And on the other side of the coin, I wonder if she got screwed over by some accelerating payment thing, a ridiculous balloon payment, or some other issue that the average person probably wouldn't notice way down deep in the fine print. I despise finance people intensely. I think it should be mandatory law that contracts must be only one page, and must be in at least 10 point type. Lets see them cram all that legalese mumbo jumbo in there then.

(no subject)

Date: 2010-10-07 01:13 am (UTC)
From: [identity profile]
I wouldn't feel too badly. I think her car is going to get repo'd with or without your help.


kiranlightpaw: kiran_likeshine (Default)
Kiran Lightpaw

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