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Thread: Repo men

  1. #1
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    Repo men

    I've caught a few episodes of TLC's Repo Men: Stealing for a Living and I have to say I'm a bit shocked at some of the yahoos that do this work. Two particular ones come to mind.

    The first was a couple of weeks ago. The company was something like Kentucky Asset Recovery. These guys drove Ford CVs, had badges and even wore shirts with American flag patches on the right shoulder sleeve. They also wore shirts with 'Asset Recovery Agent' emblazoned across them, similar to police shirts. If there was ever a group that was more 'wannabe' than this, I haven't seen it.

    The second was just last night. This was a husband & wife team that seemed just a little too excited about the job. I swear, when the wife started talking about grabbing a car, I thought she was going to bed her husband right there on camera. Also, way too gun-happy. Hubby likes to stuff his 1911 in the back of his pants, movie-style, when going out on a job, then flash it around to make sure everyone knows who's in control. When the wife starts talking about people noticing her carrying her gun, she starts to get that glint in her eye again.

    Don't get me wrong. I've seen some real professional operations on the show and I'm sure there are plenty more out there. Heck, my uncle did the work for a while and he ended up as a bank president. I just get a little nervous when people seem to mistake the repo business for something else.
    Caution and worry never accomplished anything.

  2. #2
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    It's theft and the kind of people that "steal" get a rush out of it. many are convicted felons etc.
    Not a nice job to have. many a repo man has been taken to jail here for their actions.

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    Originally posted by Bodie
    It's theft and the kind of people that "steal" get a rush out of it. many are convicted felons etc.
    Not a nice job to have. many a repo man has been taken to jail here for their actions.
    Most if not all of the contacts I had with them were extremely negative. As you say, many are ex-felons, and many are going to be e-felons. Not a good group overall
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    I seen little problem with them. Why blame them because people turn into deadbeats? Yeah, most probably are ex-cons, they're probably better suited for the job. The bank has every right to take back property if people don't make the payments.

    And stow the tough times crap. I had to sell my nice car and buy a junker when I went through my first divorce. I did that when I couldn't make the payments rather than stiff the bank and try to hide out.
    "Life's tough, it's tougher if you're stupid." John Wayne

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    They are a lot more subdued around here. I don't know how it works in the city but in my town they call the department when they are making a pickup and they aren't allowed to be armed or have badges or anythging like that. They are basically tow truck drivers that are recovering the banks' cars-nothing glamorous about it at all.

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    Originally posted by Gooch
    They are a lot more subdued around here. I don't know how it works in the city but in my town they call the department when they are making a pickup and they aren't allowed to be armed or have badges or anythging like that. They are basically tow truck drivers that are recovering the banks' cars-nothing glamorous about it at all.
    Same here. They have to notify our auto records division before they do a repo so the deadbeat can't report it stolen.
    "Life's tough, it's tougher if you're stupid." John Wayne

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    They have to make notification here to that they are attempting a pick up and they then call back to say they have secured the vehicle.
    Many are tow truck operators that make reg towing runs also but supplement one with the other in order to pay their bills.
    Yet as said before most are not the most honest people in the world.

    True a bnak has a right to recover lose but repo is still repo and no one is sticking up for any dead beat that won't pay a bill.

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    Question

    Originally posted by Bodie
    It's theft...
    How is it theft? When you sign a bank loan agreement you are made aware that the BANK owns the property and is letting you USE it (hence the LIEN) until you pay it off. Please explain how that is theft.

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    It always amazes me to see that MOST people think that repomen are ex-felons.I repoed cars for almost 2 years and I am not an ex-felon and I have never taken a dime that wasnt mine.I worked for a company based in Texas and that had offices around the country.The show that some of you are referring to is bullsh#t.Most states are"self-help" states and once you are caught trying to take the vehicle and are told to stop by the debtor and you dont you are trespassing.People think that repomen come in the middle of the night and steal the car well yes it does happen that way but when I was "stealing for a living"(what a freakin crock)I did more in broad daylight than in darkness.Picking it up from the parking lot of Wal-Mart or from the gas pump is alot easier that at night.Sorry I started to rant a little but there alot of repomen out there who are honest.Yes I know most of you will disagree with this but its true

  10. #10
    Tackleberry
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    A funny thing happened about a month ago while I was in court picking up paperwork. 2 Repo men came into the court and were looking for a Constable, the clerks then pointed to me and they came over and we talked about how they were trying to repo a Honda Accord from a gated community but the security would not let them in without police escort. They told me how they went to the police and were kindly told they do not get involved with civil matters and to go see the Sheriff's Dept., the Sheriff's department said they do not do Repo Escorts and only work under a judge's order, they then were referred to me.

    I looked over there paperwork, (civil contract) and stated I would go on a couple of conditions...

    It would cost them $350.00, which they called the creditor and they agreed and I informed them that this is only an escort, they only have a civil contact and not a court order, PA's Repossession laws is strictly under a peaceful Repo, meaning if the debtor or anyone wanted us to leave, I am outta there. We would also knock on the door and let the debtor know what we are there for and what we wanted to do. There would be no sneeking around or stealing in my presence.

    If there was any resistance whatsoever we are leaving.

    In the end myself and the Repo people were allowed in with the Security people in tow and it turned out the car wasn't there anyway.

    Yes, I got paid up front, no refunds! I informed them to contact me if they want to give it another shot, I'll give them a discount on the second attempt! Easiest money I've ever earned.LOL!!

    BTW, in case anyone want's to know, a State Constable in PA is a Certified Law Enforcement Officer who is also an independant contractor who works for the courts and private individuals. While are fees for court work are set into law the work we can do for private parties is not, we can charge what we want. At all times whether doing any work we are always a LEO first, obeying and enforcing all laws, never breaking them. Since we are Civil Certified we are allowed to work for private parties as well. I am also fully bonded and insured as the state requires.

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    Last edited by Tackleberry; 09-18-2004 at 11:28 AM.

  11. #11
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    sixpanel its only theft if you take the wrong car.There were situations that guys from other companies and one who worked with me when I was a repoman took the wrong car.I always checked the last 4 of the vin.Sometimes people would place things mostly papers of some sort over the vin to hide it especially if they had been repoed before.Repo companies have frequent fliers too.

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    sixpanel, In Ohio it is theft. There is nothing in Ohio law that allows repo men to work andctakevsomething tha is not theirs sort of like bounty hunters not being regulate as they should be.

    The vehicle owner can't report it stolen because it is in the hands of the lender's agent also known as the "repo man"

    There is nothing that allows somone to enter a vehicle and take it without the owners consent. Been this way for yaers and no one has thought to correct the law.

    To repo is to steal for the lender.

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    Originally posted by Bodie


    To repo is to steal for the lender.
    Anybody ever been prosecuted for it? Doesn't the loan contract allow for the lender to take the vehicle back if they borrower doesn't make the payments in a timely manner? If so, then it's not theft whether the state allows for it or not. It's strictly a civil matter between the lender and the borrower. The fact the lien holder has their name on the title gives them some legal rights.
    "Life's tough, it's tougher if you're stupid." John Wayne

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    Originally posted by Bodie
    sixpanel, In Ohio it is theft. There is nothing in Ohio law that allows repo men to work andctakevsomething tha is not theirs sort of like bounty hunters not being regulate as they should be.
    whether the repo man is an ex-con or not, whether the repo is considered theft or not, id rather the "ex-con repo man thief" steal a deadbeat's car and give it back to the bank as opposed to stealing my car and stripping it for parts.
    "The American public will find it refreshing to see a Republican candidate, who's not a moralistic, sexually repressed, crusading hypocrite, who cruises airport men's rooms late at night."
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    Originally posted by Bodie
    sixpanel, In Ohio it is theft. There is nothing in Ohio law that allows repo men to work andctakevsomething tha is not theirs sort of like bounty hunters not being regulate as they should be.

    The vehicle owner can't report it stolen because it is in the hands of the lender's agent also known as the "repo man"

    There is nothing that allows somone to enter a vehicle and take it without the owners consent. Been this way for yaers and no one has thought to correct the law.

    To repo is to steal for the lender.

    So how in Ohio does a lender repossess property when the borrower has defaulted? While I'm not a fan of repo men, they are in fact acting as an agent for the lender.
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    Originally posted by Bodie
    sixpanel, In Ohio it is theft. There is nothing in Ohio law that allows repo men to work andctakevsomething tha is not theirs sort of like bounty hunters not being regulate as they should be.

    The vehicle owner can't report it stolen because it is in the hands of the lender's agent also known as the "repo man"

    There is nothing that allows somone to enter a vehicle and take it without the owners consent. Been this way for yaers and no one has thought to correct the law.

    To repo is to steal for the lender.


    How about this Bodie?

    When repossessing an automobile, the creditor is subject to the requirements set out in the Uniform Commercial Code, Ohio Revised Code Sections 1309.601 to 1309.709. See especially:

    R.C. 1309.609: A secured creditor may take possession of an automobile or other loan collateral without a court proceeding if it acts without breach of the peace.

    R.C. 1309.610: The secured creditor can sell or otherwise dispose the automobile, if the disposal is performed in a commercially reasonable manner.

    As said before, the lender can retain someone to repossess their property if the borrorwer is in default.
    Retired

  17. #17
    Tackleberry
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    While Bodie may have meant well in his assumption that it is illegal, all states have UCC laws regarding repossession which states what is legal and what is not legal.

    You would never get an arrest on the basis you suggested. As long as the civil contract states a repossession clause the creditor can peacefully repossess the property from the debtor and it is NOT considered theft, at least in PA it isn't. Most people don't know that all they have to say is..."Your not taking the car!", under my state's law and most other state's the Repo men must leave immediately or face arrest. This is where most Repo people set on making a buck cross the line. It then becomes an illegal repo and the debtor has great leverage in filing suit against the creditor and most likely winning.

    Most police officers have no knowledge of this or civil law which is why they do not handle civil matters.

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  18. #18
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    Originally posted by Tackleberry


    Most police officers have no knowledge of this or civil law which is why they do not handle civil matters.

    Tac
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    I don't agree with you at all. We are trained how to handle civil matters, and how to recognize them. However, we don't take civil actions, or give civil advice.
    Last edited by retired; 09-19-2004 at 12:22 AM.
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  20. #20
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    At least most of the police in my area don't know anything about civil law. I get calls from police officers who wan't my advice on a civil subject and although I am not an attorney I can give what I have been trained and the legal procedure given the situation.

    I apologize if I offended you or anyone else.


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    Originally posted by Tackleberry
    At least most of the police in my area don't know anything about civil law. I get calls from police officers who wan't my advice on a civil subject and although I am not an attorney I can give what I have been trained and the legal procedure given the situation.

    I apologize if I offended you or anyone else.


    Tac
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    .

    I'm still reeling from your post about being able to negotiate a fee for police services. I thought that went away in the 50's.
    "Life's tough, it's tougher if you're stupid." John Wayne

  22. #22
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    Yeah, it's still alive here in PA, since PA State Constable's are elected and do not work for a police department we are considered independant law enforcement contracters with police powers.

    Although I work primarily for District Courts serving Arrest Warrants of all types, Civil Service of all sorts, and landlord tenant issues I do work for some private law firms where I can set my price on my service. This is where I can make alot of money!

    For instance on Thursday I did civil service work for a private law firm and served (4) people, I made $400.00 plus mileage in about an hours time.

    I also did a PFA stand-by for a private person on Friday and made $125.00 in an hour. There was a court order allowing this to happen that the person obtained prior to my standing by.

    When I am working for the court our fee is set by the state and we then get paid by the court directly for the work we complete. More warrants on a single person means more money!

    I might add that although we do make decent money we also must provide everything but our training and law books. That means yearly insurances of all types, police vehicle & radio equipment, laptop, GPS, duty equipment, cellular services, subscriptions to law enforcement database services like LexisNexis and Accurint, etc...

    The costs do add up, I spend roughly $500 a month on cellular and information services.

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  23. #23
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    Gotta website where I can read up on PA State Constable's?

  24. #24
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    Originally posted by sixpanel
    Gotta website where I can read up on PA State Constable's?
    Here's one. Obviously Constables in Pennsylvania don't perform or provide traditional law enforcement services like a Municipal Police Department or County Sheriff.

    http://www.homestead.com/monroecountyconstable/
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  25. #25
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    In Ohio civil law is not enforced by city police. It is left up to the Sheriff.

    The ORC says creditor when referring to taking back a vehicle etc. It does not have a section that alloows for the actions of a independent repo man to operate hence the feeling that it is theft if the vehicle is taken by the repo man not the actual lender.

    Ther have been times that repo men when confronted by the vehcle "deadbeat" owner have entered into a confrontation rather then just leaving and the end result has been a repo man going to jail on misdeamanor trespass or other minor charges.

    Repo men strecth the law to gain acces to and recover property.

    Again nothing in Ohio law allows thm to operate and earn their living. This comes after my working with the courts in one of Ohio's biggest counties for years and hearing agruments on behalf of and against repo.

    I ahve seen Sheriff's Deputies have to go with repo men to secure a deabeat fellow officer's vehicle and the officer act like a total *** about it.

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