Anyone use Affinity Federal Credit Union?

[coolmom04]

My husband has a checking account, a visa, and our van loan through Affinity. At one time, my husband thought our vehicle titles (we have a car that was also financed through them) were tied to our credit card. He thought they held the titles until we paid off our credit card.

Well, we paid off his car over a year ago and we received the title - still owing $10K on the visa.

I talked with Affinity last week and asked if we filed BK, stopped paying on the visa, and continued paying the van (I am guessing we'll need to reaffirm the loan?), would we still receive the title to the van after we pay it off. I was told that we would receive the title.

I read through their credit policies we received with our visa and our auto loan. It doesn't say anywhere that they will take our van if we stop paying on the credit card. it DOES say they can take the money out of my husband's checking to pay any debt he is supposed to pay.

So, with that being said... we are going to stop the direct deposit this week and pay those bills through our other checking accounts.

Has anyone else had any experience with AFCU?

[whipster1]

Telling your lender you are going to file BK is a no-no. They tend to do all sorts of things like GRAB ANY MONEY in the account.

[coolmom04]

Telling your lender you are going to file BK is a no-no. They tend to do all sorts of things like GRAB ANY MONEY in the account.

Hmm... I didn't specifically say we "are" going to file, but I did say, "If we were to file" blah blah. I guess that's basically the same thing in their eyes, huH? Thanks for that heads up!!