So I'm ready to give back a car that I did NOT reaffirm

[aces67]

We bought me another vehicle and I'm giving my old one back. Now I did NOT reaffirm it and I've already been discharged. When I called to talk to HSBC about it they kept telling me "You need to trade it in" Why would I NEED to do that? I'm not legally responsible for it.

Either they are just trying to get it paid off or they don't realize we didn't reaffirm. How much of a hassle will this be now? I want them to get it ASAP so I can take it off my insurance.

Dh is freaking out thinking we are somehow responsible but I can assure you we never signed papers on it. My attorney told us not to so we didn't.

I just missed my first note that was due last week. They are already calling every day.

[OhioFiler]

Call their bankruptcy department.

[AngelinaCatHub]

The only thing you are responsible for is it's safe keeping until they pick it up. Like Ohio says, call the bk department and ask who they use for the repo lot and drop the car there but get a receipt. 'Hub

[laurannm]

I would call their BK dept as well. Their first-level CS reps probably don't have a clue about BK and how it applies to your account.

[JoeBankrupt33]

This happened to me with Wachovia Dealer Services. I discharged in May, and they did not get the car until September. When I called and spoke with the bankruptcy department, they told me that they were pretty backed up, but they came to get the car within about 5 days.

[aces67]

Thanks guys. I'm going to call back first thing this morning. I'm hoping they will hurry up and come get the car or let me drop it off to them somewhere. I'm so ready to move on with things and get it off my insurance.

[Amy26]

I am waiting to hear from Toyota as well. I called them and they said no problem on surrendering it, however I had to wait for a repo rep to call me back to schedule the appointment... said it would take 2-10 days for someone to call me. I actually removed the insurance from my car... couldn't afford to keep it on there. We have the car parked on the street with the tags on it still. I asked them if I could drop it off at the dealership but they weren't too keen on that.

[StartingOver08]

Amy, remember to take your tags off before the repo man hooks up the vehicle. You can make arrangements with them to pick up the vehicle in a neutral location - they are usually pretty flexible.

[aces67]

What dorks. I called them and here's the thing. They were perfectly willing to talk to me when I was in control of the checkbook and willing to pay them over the phone. Now that I don't want to pay and I want to surrender they've pulled the "Oh wait your not listed on this account" card. Now they refuse to talk to me and I have to get dh to call after he gets home and set it all up.

The man did say that they don't have anywhere that I can leave the vehicle I just have to wait for a repo man to come get it which may take a while

[pookieny]

This happened to me with Wachovia Dealer Services. I discharged in May, and they did not get the car until September. When I called and spoke with the bankruptcy department, they told me that they were pretty backed up, but they came to get the car within about 5 days.

When was the last payment you actually made?


I have my car with WDS and I still have the car. The last payment I made was the May payment and I was discharged in September and haven't heard anything from them.

[Amy26]

Amy, remember to take your tags off before the repo man hooks up the vehicle. You can make arrangements with them to pick up the vehicle in a neutral location - they are usually pretty flexible.

Yea they said when they call I can arrange to go out and get the tags since I have to turn them in for my state.

I'm kinda in the same boat as Aces... they won't let me take it anywhere and I have to wait till they decide to come get it... grrr.

[doingpoorly]

Add me to the list of those waiting .....now we know why it is taking so long....look how many cars they have to deal with. hehehe

[OhioFiler]

Take it to a branch office and give the manager the keys with a copy of your bk discharge. They can't refuse you surrendering the vehicle.

[aces67]

Take it to a branch office and give the manager the keys with a copy of your bk discharge. They can't refuse you surrendering the vehicle.

I would do this if I could find one locally. I'm trying to look on HSBC's website to find a location but so far I haven't found one in TX.

[2manybills]

Yea they said when they call I can arrange to go out and get the tags since I have to turn them in for my state.

I'm kinda in the same boat as Aces... they won't let me take it anywhere and I have to wait till they decide to come get it... grrr.

Amy:

Toyota called me back within about 2 days and met me some place for the car. I didn't want it picked up from my neighborhood.