In November 2008, we got behind on our truck payment by 2 months due to medical problems. I called the bank to set up arrangements for payment. They directed me to a thrid party collection agency, I called and scheduled a payment over the phone to withdraw from our checking account to bring the account current. I received a confirmation number, etc. By the end of the week, I relized the payment was still sitting in our checking account and called the collection agency immediately to see why the payment had not posted. She said our payment did not go through because of insuffienct funds (which was not truck), so I asked her to verify the account number and the number they had taken down was incorrect. So to get this payment processed faster we used a credit card and she assured me the payment would post and everything would be fine. That same night a repo man took the truck from our yard with no warning from the bank, the collection agency or anyone (we did not have any clue it was in repo). We thought the truck was stolen. I called the bank the very next morning (the people were rude and insulting) and told them I had made a payment to bring the account current the day before and they verified it posted, but there was nothing they could do. I then wired them all of the money they wanted to get this truck back. We got the truck back with expensive items missing from this truck. We paid the loan in full the very next month and now have the truck, title and a letter from the bank thanking us for our business and come back for future business (not in this lifetime). But they will not take this repossession off of our credit report. Is there anything we can do to get this removed?
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
