Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Random guy shows up with letter from VW Credit at my house!

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Random guy shows up with letter from VW Credit at my house!

    My girlfriend filed CH13 a few days ago. Been ignoring the calls from VW credit for the last few months. As she just got her case number she called VW credit to give it to them this morning.

    Tonight a random guy comes with an envelope hand written with her name on it. States he is not collections, works for a company that VW credit hires to hand deliver letters to debtors who aren't communicating. The letter has the right account number, the right number to call VW etc. He takes a few pics of the car in the driveway and off he goes.

    WTF!?

    Whats got my hackles raised is how unprofessional it all was. The handwritten envelope, the guy had no business card etc.

    Company name was "sand" something... like an idiot I failed to get enough info from him, just noted the license plate!

    Anybody ever see anything like this!? Legit or... did we just get targeted for crime?

    FYI we live WAY out in the sticks, no crime here.

    Thanks!

  • #2
    I would expect my creditor or a representative to show up, sooner or later, if I did not pay and have not answered any communication. The mortgage companies certainly do this same thing. That is, they hire someone to go out and "inspect" the property and make sure everything is okay. They often leave a letter as well which advises the debtor to contact them.

    As far as the major automobile creditors doing this, I have only read about this happening once before -- and it may have just been a credit union or smaller bank. It seems as though the creditor really does not want to repossess and preferred trying to contact the debtor before taking action. It also provided the creditor with a way to "inspect" the collateral by having pictures taken so they know if it's worth their time. In fact, I'm thinking the photos, and having the person go out there, was cheaper than them hiring a repo-man who could come and find the car in a condition that would not even raise enough at auction to pay the repo-man's fees. Especially since you are "out in the sticks".

    You may see it as unprofessional, but it shows how desperate the creditor is. The creditor is not receiving payments and doesn't know where the car is, whether the debtor (owner) still has it in her possession, and the condition of the vehicle.

    Grabbing the license plate is always prudent when you live in the sticks. From what you stated, it doesn't seem like this person was up to no good.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog


    I am not an attorney. Any advice provided is not legal advice.

    Comment


    • #3
      Originally posted by justbroke View Post
      I would expect my creditor or a representative to show up, sooner or later, if I did not pay and have not answered any communication. The mortgage companies certainly do this same thing. That is, they hire someone to go out and "inspect" the property and make sure everything is okay. They often leave a letter as well which advises the debtor to contact them.

      As far as the major automobile creditors doing this, I have only read about this happening once before -- and it may have just been a credit union or smaller bank. It seems as though the creditor really does not want to repossess and preferred trying to contact the debtor before taking action. It also provided the creditor with a way to "inspect" the collateral by having pictures taken so they know if it's worth their time. In fact, I'm thinking the photos, and having the person go out there, was cheaper than them hiring a repo-man who could come and find the car in a condition that would not even raise enough at auction to pay the repo-man's fees. Especially since you are "out in the sticks".

      You may see it as unprofessional, but it shows how desperate the creditor is. The creditor is not receiving payments and doesn't know where the car is, whether the debtor (owner) still has it in her possession, and the condition of the vehicle.

      Grabbing the license plate is always prudent when you live in the sticks. From what you stated, it doesn't seem like this person was up to no good.
      Yep, I think it shows desperation on their part.

      And it sure made an impression on this person.

      It is far more effective than making phone calls.

      It gets the debtor's full attention immediately.

      I'm surprised that more creditors don't do this same thing.
      The world's simplest C & D Letter:
      "I demand that you cease and desist from any communication with me."
      Notice that I never actually mention or acknowledge the debt in my letter.

      Comment


      • #4
        We called VW the next morning. It was a valid visit, but far from professional.

        I contacted the company VW hired to deliver the letter, Sand Castle Field Services. The woman I spoke with was extremely polite. She informed me that the representative was in error not having and showing proper ID and fully explaining the validity of his visit. She also went over the images of the car she had in their database and at my request removed images of my car they had that is not part of any collections action. She apologized profusely that the agent did not perform his job properly, leaving me wondering about the legitimacy of his visit.

        So, yes it was legit... but it certainly might not have been because the agent did a crap job.

        Did it get our attention? Yes, but certainly not regarding the debt. It got our attention because it was amazingly shoddy field work. It looked more like somebody scoping out for a future theft than a legitimate field operation on the behalf of a legitimate creditor seeking information regarding their collateral.

        Comment


        • #5
          I agree that any visit from a creditor's representative should be highly professional and they should provide appropriate credentials even without demand from the debtor! I'm glad that you validated the visit. Hopefully your input into the process will be taken into consideration and they'll use it as a learning opportunity and train their "field" reps better.
          Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
          Status: (Auto) Discharged and Closed! 5/10
          Visit My BKForum Blog: justbroke's Blog


          I am not an attorney. Any advice provided is not legal advice.

          Comment

          Unconfigured Ad Widget

          Collapse
          Working...
          X