Steal my car, I'll wreck your life.
Back story, i am apart of a small family-owned type used car dealership (cue used car salesman joke here) we have maybe 50 cars on the lot at any time and our main business is sub-prime or people with less than perfect credit. We truly want to help the people that can’t afford/have the credit to buy from a new car dealership. We’re actually very liked in our small community.
So recently I had these customers, lets call her wife and him husband (They’re early 20’s). They come into my store and I like them, they seem like a nice young couple trying to start their lives out, they have two very sweet little girls, and could just use a break. They have made some mistakes in their early lives and have less than perfect credit. I coach them on how to improve their credit and they seem sincerely interested in fixing it so I bust my ass to get them a loan with the wifes mother cosigning on a nice third row SUV. Wife is literally crying hugging me because every other dealer turned them down. Now they are a little short on the down payment so i take a check for the balance and we agree i’ll cash it on his next payday (Mistake number one) but pretty common in this line of work.
I forget about them until the next week when I drop the check at the bank along with other deposits. The next thing i know i receive a notice that the check has bounced. Along with a couple NSF fees attached for me, and the check comes back. It’s a dollar amount that is considered a first degree misdemeanor in our state, just under a felony. I reach out to wife to see what happened and how we can make arrangements to get this taken care of. The last thing I want to do is go after a young couple with two small kids. At first wife is a little shocked and insists the funds were pulled from their account and I show them the picture of the NSF check. She understands and says they can pay half in 2 weeks when she’s paid again and in another 2 weeks pay the other half. I agree to this and just take them on their word (mistake 2).
A couple weeks rolls around and I don’t hear from wife or husband and am now thinking i’ve been taken for a ride Ignoring my calls/texts/etc you get the point. I get a call from the bank and come to find out they haven’t made their first payment either.
Now with this particular bank if the customer does not make their first payment we have to “Buy Back” the deal. Basically we have to give the bank the money they sent us for the loan. After blowing up their phones and facebook they finally call me back. I get the sob story he got let go from his job and he just started a new one and mom is going to help them get back on their feet. I go through hell and high water with the bank to make a deal that if they make their payment they’ll keep the loan but i’m still on the hook if they miss any of the next 3 payments. Wife also tells me they’ll make payments to me on the bounced check once he starts getting paychecks. So i agree, they make their payment to the bank and i go about my life….Until the next month comes around.
I get an email from the bank saying wife didn’t make the next months payment and won’t answer their calls. At this point i’m furious and ready to just go get their vehicle. They won’t answer any of my calls and call mom, mom scrounges everything in her social security paycheck to help try to make the payment for them and is short. Wife and husband tells her they’ll cover the balance and of course don’t pay. Bank says deal is a buyback we need our money back for the loan within 7 days. Now the only way I can payback their loan is if my floor plan (Basically giant credit card we buy cars on) gets pictures of the car in my possession.
I try to call/text/email/message on facebook to get ahold of both wife and husband and they block me on everything. They’re basically just stealing the vehicle without paying. They even blocked mom who has been trying to help them get this handled, yes they screwed over their own mother in this ordeal. I just want the vehicle back and move on with life. So this is where i go @prorevenge on them.
I begin by dropping the check off at the local prosecutor, and they’re delighted to file charges against them. I do some skip tracing calling family members, all of which are more than happy to help because come to find out husband has had 7 jobs in 4 months and has burned every single family member with money they’ve borrowed. I find wifes Father on Facebook, Father has been trying to take custody of deadbeat wife and husbands 2 kids because of how they treat them. He informs me they are staying in sisters house right over the border (we are on the state line of 2 states remember this) I call up a repo company and even myself drive the hour to go get the vehicle. They’ve been hiding it in the garage (according to neighbors and repo company). I do some searching and find out they’re both on probation for stealing a bunch of stuff from multiple stores. So I of course find and call up Mrs. Probation officer to see if she has a last known address. I then mention to her they’re staying above the state line and bounced a very large check to me, and they’re facing fresh charges in my town, she appreciates the knowledge.
Now while I was up at their house one evening I talk to one of the neighbors (Who also hate them they’re always yelling at their kids and eachother) and convince neighbor to call me if they see the vehicle outside. It took one day, I get the call, I send a very large friend who lives nearby them to go get the vehicle. After many expletives, berating my friend, they hand over the vehicle. But not before finally calling me while he was there and tell me how they’re going to sue and blah blah.
I’m out quite a bit of money from the ordeal, but here’s the best part. I just found out by living out of state they violated probation and just got sentenced to 30 days in jail from that, and they also just had their “video court date”(because they’re currently in jail with the probation violation) with the local judge on the new charges of the bounced check. I got my vehicle back and guess what? Deadbeat wife’s Father got custody of the 2 kids.