I will try and make this short. I moved from NJ to PA and since that time I have been arguing back and fourth with my finance company on registering the car in PA. PA DMV requires to see the original title with the lein attached to do their job. My finance company at first said that they don't do that, then I was told that before they send it they needed to see that the car had PA insurance (although it had NJ tags) but I changed the insurance because it was suppose to be done within 3 days after they received the paper work from me. I did't hear from them and kept calling and always heard a different story. I heard that they didnt do transfers and that I had to keep the car in the state where it was originally purchased, they won't send PA what they need and I need to tell PA to work with whatever they send, that they are in the process of sending it (then when they did, it was a copy which PA said was unaceptable)
During this time, NJ sent a letter that they were going to suspend the registration because of the insurance. I sent the letter to the finance co and was told that they took care of it. I also spoke to someone at NJ DMV and was told they understood it was in the process of being transfered. I asked if I should change the insurance back to NJ and was told no since I no longer lived there.

Fast forward to two weeks ago, as I was driving to work a NJ state trooper advised me he had to impound my car because it had a suspended registration. I told him what was going on and he understood but said he had to do his job (which I understood) When I got home I called the finance company and advised them of what happend and said that in order for me to get the car from impound, NJ needed to see that it was registered in PA. I was told "oh well we don't send the title for any reason" and then after speaking with a supervisor I was told that they don't send the title but what they were going to do was send someone to get the car from impound and contact a dealer in PA to assist with registering it in PA and then tell me where I need to go to complete the paper work and get the car. Then after all of that I got a letter from NJ DMV that the same date the car was impounded, the registration was reinstated.
Well here it is two weeks since the car was impounded, I have no car and and all I have heard from the finance company is "We don't send the titles" "The situation is almost done"( but yet according to PA nothing has been done yet.)
" we have the car but PA wont take a copy of the title so we guess you are out of luck, but would you like to make November's payment" I have had reps and supervisors tell me that this is too compliacted for them and then they hung up on me. In the middle of all of this, I haven't been able to get to work and it looks like I could be losing my job any day (I can't blame them because I keep telling them I don't know how much longer I will be out because I am stuck in the middle of the finance co and the state of PA) I have called the offices of GM Financial since they oversee my finance co and have been told that someone from uppermanagement would call me back. I call every day 2-3 times a day and I am still waiting for the call back.
I went as far as looking into getting another car, but unless I could somehow come up with $2000 which I don't have at the moment, no one can really help. Three dealers told me that they can get me financed into something else with a different bank, but because the loan on my car is just a year old and my credit isn't the greatest that they are requiring the deposit.
Thanks for letting me vent..if anyone has any suggestions on what I can do about dealing with the finance company, I'd greatly appreciate it

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~~~~**Maryann**~~~~

I just got a firm grip on reality....
Now I can strangle it

Who is the finance company? We lived in NJ and had 2 financed cars when we moved to PA. One was with GMAC and the other with Chrysler Financial. I do not recall what we did to get the registration switched to PA but it wasn't a hassle. That was back in 2004. Sorry you are going through such a rig-a-ma-roo.

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Omg Maryann I am dearly sorry you are being put through the ringer as they say. I swear everything in life today with all our modern update computers and all, I feel it has only made some things or problems worst...You hardly ever get to speak to a person in person, it is all automated...then they tell you to log onto their website which for me gets more confusing. Again so sorry this has happened to you and sincerely hope it all works out for you soon hugs sweetie....Peace . Catherine

Sounds like you're in a Catch 22 situation. You probably need an attorney who knows what he's doing to get you out of that mess and yet you probably can't afford one

You might try calling attorneys and ask if attorney fees can be recovered- you're sure to win.

Also, who's paying for the impound and storage fees? I would sue all of them to recover. I think you could probably do that in Small Claims Court.

Thanks everyone for your replies. Chelmo, I am dealing with AmeriCredit, they were just acquired by GM financial last year. I wish I was able to do some research about them before signing this car loan, because just by googling customer complaints against them I would have saw that they are no good. But at the time, my PT Cruiser had just been totaled and I needed a car and didn't have the time / money to argue with the dealer. Mrsnudge, I did call a few attorney's yesterday, and I am waiting to hear back from them (hopefully today ) I am still not sure who is paying for the storage and towing fees. Everyday I hear a different story from these people, the last I heard was that they paid it when they got the car because they aren't sure how this is going to work out.

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~~~~**Maryann**~~~~

I just got a firm grip on reality....
Now I can strangle it

Wow,I would be majorly PO'd !Sorry this is happening to you . This would be a great case for one of those TV court shows.

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Wow! This stinks!!!! We sometimes have new stories where the reporter will get involved in situations that seem to involve a lot of red tape and help the person find resolution. It's amazing how quickly ongoing, strange situations can get resolved when there is a lot of visibility. Any chance you guys have something like that?

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Kim

Have you searched through your papers from when you bought the car for the title...I know that I always have the title papers for any car that I have purchased and then when it's paid off I get the "real" title. You should have these papers. Other than that I cannot imagine what else you could do, it sounds like a complete and total clusterf**k to me! UGH!

I am so sorry this is happening to you. At this point I would contact your local TV station. Most have a Consumer Reporter that help people with problems that they can't resolve themselvs. Somehow everything clears up when the reporter gets involved. People move from state to state everyday. I never have so I don't know what to do. Didn't realize it would be such a hassle. Why is this case so difficult? I hope it gets resolved soon.

I don't know if this will help, but it might be worth a try. The New Jersey AG may have someone who can give you advice. Someone in their department should be assigned to consumer affairs and fraud. This is basically fraud on the lender's part.

I like the idea of contacting a TV or radio station. There may also be a local newspaper columnist who writes about things like this. Be sure and mention the GM finance part because they are the ones hurt by bad publicity.

You might also contact some, or all, of your state senators and representatives. Might help, might not. Worth a try.

Keep a log of what you have done and when. Who you have talked to and why. The responses, if any. I would also look into the FTC and perhaps send them a letter of complaint with a copy of the complaint to the head of GM Finance or whoever it is that currently holds title. In fact, send a copy to both the head of GM Finance and whoever is in charge of the original company now that you dealt with.

My husband, many years ago I admit. had a problem with ATT credit card company and we got nowhere on our own, but the FTC letter worked like a charm. It's not fast though and unfortunately you need fast and as far as I can see there is not going to be anything that will work fast.

I wish you luck. You have my sympathy, big time.

Kindly update us hon when you get a moment and again I totally feel your frustation in this matter...peace to you...Catherine

***UPDATE**** well nothing new has changed. I spoke to an attorney and he called them for me and the woman he spoke to told him that she has my car listed as a vol. repo. He asked her why and she said oh i see it in the notes it says "title problem, vol repo" Umm no I never agreed to letting them repo the car, those words never came out of my mouth, and would I have made all my payments if Iwas giving it back??? So he was sending a letter for me, he only charged me $20, and said once they send a response, we can discuss other options. I have also e-mailed the news station by me that does those reports on helping consumers, so maybe they will help. I also sent emails to the NJ atty general, and I mailed a letter to the CEO of GM financial, I don't know if it will do any good, but I thought it was worth a try. I also spoke to the woman that I have been dealing with, but now all of a sudden since I had an atty call, she said she can no longer speak to me or give me any information except that she can say that someone in upper managemet placed a hold on the repo order so the car won't be sold.
In the meantime, I have been sitting home, hoping that I don't lose my job. I have run out of time off, so I am on an unpaid leave for now, but I don't know how long that is going to last. I have also been checking Craigslist to see if anyone is selling a car real cheap, just to use to get back to work until this is straightened out. Then I can give the car to my DS. I found one today, its a 1990 but according to the ad it runs and it is only $600 or best offer, I am hoping the guy calls back and we could work out something. I looked into rentaing a car, but that is just as expensive as buying a used car.
In the meantime, I am doing whatever I can do, and selling whatever I can on ebay and craigslist to come up with extra money to pay for everything.

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~~~~**Maryann**~~~~

I just got a firm grip on reality....
Now I can strangle it

Do you have public transportation so you could get to and from work?

I drive a 1992 Ford Taurus that we bought new. It has close to 200,000 miles on it. Some repairs lately but there are good used cars out there. You should be able to find something.

Can you simply refinance? If there is a credit union in your new community they are your best bet. Why give your business to a crummy company!! Credit unions often have better rates and better customer service!

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"It's not about how much baggage you have, it's about whether or not you can carry your own baggage with grace and dignity."

Couponsrock..I can take a bus to the train and then a train into NJ for work, but then once I get out of work, I'd be stranded. I'd be able to get the train back to Lacaster, but that is as far as I would be able to get. For some reason where I live the bus from Lancaster to my town only runs until 5:20pm.

Jeeplady, thank you so much for the idea of a credit union, I will look into it.

It doesn't look like I will be getting my car back any time soon. Today I spoke to 7 different people and heard 7 different stories as to what is going on. I said that as far as registering the car goes, I have someone who is ready to send the paperwork but before I go and pay to register the car and pay for whatever else is needed I want to know when and how I am getting the car back into my posession. I was told that it is not going to happen because a representative listed it as a vol. repo, and when i said I never said that they said it is in their notes that there was a title problem, did vol repo. Another told me I have to re-purchase the car at the price that the dealer where it is being stored will have it listed as, and all the payments I have made so far mean nothing since it is like a new contract, I had another tell me in order to get the car it would cost me over $13000 because this was so confusing so I would have to buy the car outright and the best was "we still don't know, this is so confusing and can take another 4-6 weeks"
I never thought that transfering a registration and plates on a car can be so dificult. No one I have talked to has ever had this problem. One thing for sure is that once this is over, I plan on letting everyone I know not to deal with these people

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~~~~**Maryann**~~~~

I just got a firm grip on reality....
Now I can strangle it

Aw Maryann I feel so sorry for you sweetie, thanks for the update, even though it was not really good news, I will say a prayer that it all works out for you...hugs and peace for you always....can you use any coupons plmk and they are yours.....Catherine

This is so crazy...I have moved to several states in my lifetime, each time having to register financed cars...it was never any sort of a big deal. I've just never heard of such. So crazy I swear to goodness! What in the world is so confusing about registering a car from out of state that is financed. Heck MOST people don't own their cars outright anyway. All I can think of is there must be something shady going on with that finance company and they don't have your paperwork? Then even a lawyer can't help? How nuts!

It does sound like if you could refinance it, that may solve your problem...that is if there's really a clear title to that car or there's something shady going on? UGH!

Did you sign anything? I mean do they have anything with proof that you voluntarily turned in the car as a vol. repo? Were your payments current or where you behind? You definitely need a lawyer to handle this. I think that if it is ruled in your favor that the finance company will have to pay your legal fees.

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