![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-298209-100x100.png\")
Reminds me of the guy that tried to pay cash for a Jeep Wrangler awhile back...no wonder Mopar is in trouble.
Reminds me of the guy that tried to pay cash for a Jeep Wrangler awhile back...no wonder Mopar is in trouble.
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Welcome to the joy that is car reposession. I once had a car repossessed. Fairly early on in the loan process. Due to bank mergers, the routing number that appeared on my checks, which checks were still being processed was somehow differently than the routing number, and LONGER account number used for EFT withdrawls. This didn't affect my ability to get direct deposit however. Anyway, Because only like 3 payments had been made by paper check before going over to the finance companies online website, they repod it. They then refused to return the car unless the car was paid off in full. This was with Nissan Motor acceptance corp. Since the loan was so short lived. I quickly got a new car right away as one of the dealerships I dealt with, was sending the loan out on the old credit report they had run when I purchased the first car. I in turn got Nissan completely off my credit. Due to their website having issues. I totally killed it.
@DjDynasty: Nice, you got a lucky bounce.
Unfortunately for this person, the repo will most definitely show on his credit report, whether accident or not, regardless of if he gets it back or not or even pays the outstanding loan completely off. Once they take it, it's listed as such.
sounds more like if someone actually kept a ledger balance in their checking account they would have seen that they didn't balance after the first missed payment and called Chrysler to take care of it before it all got out of hand..... I do not feel sorry for this guy....
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-690585-100x100.png\")
@missy070203: Mods, disenvowelment here, please? Comments are rude and add nothing to the conversation.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-352646-100x100.png\")
@bilge: Hey, you guessed the 'school' t-shirt I'm wearing today. It's from the good folks at thinkgeek.com.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-929652-100x100.png\")
@missy070203: Sounds more like if someone actually read articles, they could make intelligent comments.
The OP admits his mistakes, but also points out that he tried a number of times to make the back payments and rectify the situation. Regardless of his forgetfulness, he shouldn't have to deal with this nightmare while trying to actually pay the money to get his car back.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-351819-100x100.png\")
Just because he admits he screwed up doesn't absolve him of the screw ups. One more reason not to screw up.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-851357-100x100.png\")
@missy070203: He repeatedly acknowledges that he should have kept a closer eye on what was going on. I think his real beef is with the cost incurred for storage fees that were directly related to the slothful/inefficient handling of the situation by Chrysler. That would irritate me too.
@HiPwr: yeah I'd be pissed if I had to pay hundreds of dollars in storage fees to a repo co. too .....maybe he will keep a closer eye on his stuff from now on.... thats a very costly lesson to learn.... I wonder why if he makes his payments online and obviously uses the internet daily ... why doesn't he use his online banking through PNC I have been on their sites before they are pretty easy to navigate
![\"user-pic\"](\"/mt-static/support/assets_c/userpics/userpic-537475-100x100.png\")
@missy070203: You don't forget anything, ever? It looks like the OP made 12 months of payments on time before ever forgetting, which is apparently impossible, according to you.
The OP acknowledged his mistakes, desired to pay whatever costs were associated with rectifying the situation - and there are still people saying \"well if he hadn't missed it in the first place...\"
In some cases, I think that kind of comment is justified, and is legitimate. But when the OP knows he made a mistake, and accepts the costs with fixing it, saying he should've been more careful to begin with is so redundant - he knows he's made a mistake, and he's probably learned a valuable lesson.
@missy070203: \"BTW, I spoke to my bank (PNC) and they said that they have no record of Chrysler ever attempting to take the money during those submitted payments\"
sounds more like someone needs to read an entire article before they make tragic comments
@bloggerX: I have been working in lending for years and for some of my previous employers I also had to collect any loan that would have been defaulted if I wrote the loan.... If they were sending him letters stating that his credit was going to be affected those letters would also included and request for him to call a specific person at a provided number to make payment arrangments....which he did not do until after they repossessed the vehicle.... I'm not excluding Chrysler from fault here- Obviously they need to improve their website and they maybe owe him some sort of refund for service fees ....but all in all- this just sounds like there has obviously been some editing of crucial information....and he is whining.... so I don't feel sorry for him...
@missy070203: I have to agree, if the website is screwed up and not posting the payments he attempts to make through there I would call them to clear it up, or at least mail in a check long before I had my car reposessed.
Why not set up monthly payments automatically rather than doing it manually every month. That way when the letter comes you know something is very wrong.
@missy070203:
Have you worked in lending so long that you no have \"the customer is always a lying jerk\" syndrome?
I love how companies can say oops we made a mistake, but if you do they charge you a fee, raise your rate, and ding your credit. Then when you try to straighten out the mess, you get a surly call center rep who insists on recording your call and puts comments in a record whose validity cannot be challenged.
Lighten up and recognize that you might just be part of the problem.
@dfwguy:
Generally speaking, most customers are lying jerks. I have acted like a lying jerk myself, which of course doesn't make me a lying jerk. Only a good person who acts like one sometimes.
![\"user-pic\"](\"/mt-static/support/assets_c/userpics/userpic-93308-100x100.png\")
@bloggerX: Not sure how this is relevant, as it doesn't say he called before the car was repossessed. If he waited until after, this person is correct that if he had kept a closer eye he may have been able to catch it before they took the car.
So the short version is: He was late. He he made more than a reasonable effort to make his payments. He finally DID make the payment. They repossessed his car anyway. Then they want to charge him $600+ for something they should not have done in the first place?
@SarcasticDwarf: No, he did not make a more than reasonable effort to make his payments. Reasonable would be getting in contact with someone via phone or e-mail to make a record of attempting to pay vs. trusting the web after it failed x number of times already.
![\"user-pic\"](\"/mt-static/support/assets_c/userpics/userpic-113837-100x100.png\")
Yeah but it sounds as the company makes the site to fail for certain instances.. which would make them at fault also..
@GabrielFeldman:Reasonable would have been mailing in a check. I would send it certified mail if I were months behind to make sure they actually got it.
There is a reasonable man standard, and doing something that is not working over and over does not meet that standard. As yo said, pick up the phone would have nipped this in the bud.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-159466-100x100.png\")
I think we're all just programmed to assume that computers will work and that they are right 100% of the time. This is the case on both sides of the story this time (the OP didn't follow through with a live phone call after the website failed multiple times, and on the other side, the website/csrs think that they're infallible). This seems to be more and more the case as I seem to be winding up in more and more arguments over computer errors where the CSR will not believe anything but the computer until I produce proof of some sort that it is wrong.
@GabrielFeldman: I completely agree. After a payment not posting in the first month, you need to make sure it posts correctly after that.
Oh, and maybe just send a check instead...
Amen.
You know that old definition of insanity? Trying the same thing over and over hoping for the same result? The OP failed on that one. After the first screw up, I would have been on the phone in an insant.
@SarcasticDwarf: At the end he also talks about the customer service person telling him that online payments don't work for past-due accounts. If that is so, and it is not stated on the website then small claim's court sounds appropriate.
Although the online system should have worked, I wouldn't have waited so long to call in and make a payment so that I wouldn't risk being so far overdue.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-370134-100x100.png\")
@JediJohn82: Bingo. I have a car financed through Chrysler and they take payments over the phone. The first time my regular payment didn't go through, I'd have been on the phone with them.
Well, now I feel less guilty for buying a Mazda two weeks ago.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-473526-100x100.png\")
I did hear once that you could mail checks in for payment. Is that true?
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-804913-100x100.png\")
@oneliketadow: Yez, but then Ford will mail you back your check with \"This is not a check\" stamped across it.
It was for my dads car. He was pissed, I had a good giggle (out of his earshot, of course).
I want him to mail them a pipe next.
![\"user-pic\"](\"/mt-static/support/assets_c/userpics/userpic-6536-100x100.png\")
@Wombatish: That...is nuts.
Does that count as Ford refusing payment?
He shouldn't mail them a pipe. He should mail them a drawing of a spider.
@Rectilinear Propagation: I think you missed the pipe thing... it's Magritte.
But yes, technically it was them refusing payment. They claimed one of the routing numbers was off, but the mistake ended up being on their end, not the bank/checks. They were sort of nice when he called though, and he didn't have any late fees or anything.
I think the \"This is not a check\" stamp was left over from those promo checks they send out, and they just used it instead of writing/stamping \"VOID\" for whatever reason.
@oneliketadow: Checks are still extremely useful in these situations. It's just that we've been conditioned to think Internet = instant! when it's not really instant, and just because you've made a payment, doesn't mean it'll get posted right that very second. It might get posted before the check gets mailed and processed, but after a few failures and a call to check up on why it failed, I'd be trying to either pay on the phone by credit card, or just send a check. But I totally understand why the OP kept trying on the internet, because it is faster than sending a check, even if it's not instant.
@pecan 3.14159265: After the first f'up, I'd send a check certified mail.
If you don't own any checks, I'd use my banks online bill pay system to mail them a check. It will print and mail checks too.
@pecan 3.14159265: It's also the system's fault for claiming the process was working. If I made an internet payment and the system I paid to told me it had been submitted and was processing, I would call it a done deal. Whereas if I were trying to submit an online payment but the system told me, \"I'm sorry, we can't process your payments online,\" I'd go try to find whatever happened to my old checkbook.
@Etoiles:
And when it failed, you would simply try again. And when that failed, you would simply try again. And when it failed again, you would simply try again?
@nakedscience: While that's been known to happen, I can see how having a variety of options can help people get something done faster. For the most part, the mail is reliable.
The problem here is that it's Chrysler, and they've messed up something they shouldn't have messed up. I'm not saying it can never happen - it just seems that if the site wasn't working, it would be easier to pursue a different method of problem solving while trying to fix the first problem.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-871030-100x100.png\")
@pecan 3.14159265: \"For the most part, the mail is reliable.\"
That's kind of hilarious, actually. No, it's not that reliable.
@nakedscience: *shrug* It's always been reliable for me. Any mail lost has always been the problem of the person/company sending it to me, not due to my negligence. But then again, I do most of my banking and payments online because I like for my payment to post the day I make it, or the day after, rather than waiting for the check to clear.
It's also been reliable for me. I've never had a package lost and I've ordered hundreds if not a thousand things online over the years.
The mail has been extremely reliable for me as well. I'd like someone to post evidence of the USPS being unreliable if they are going to make such a claim.
@pecan 3.14159265:
@Biggbrother: I've never had a problem. The closest thing was last year when I sent a letter to a credit card disputing a charge Certified Mail, but with no return receipt.
They still got the letter, unfortunately the online tracking - which is not guaranteed but almost always available with Certified Mail- didn't show it as scanned when delivered.
The moral of the story is that if something has gone wrong once, don't try to do it again without finding out why.
Think of it this way. Chryslers online system sounds broke, their bad. But then the guy keeps trying to use a broke system. Would you keep pumping quarters into a soda machine that wasn't working.
Folks, just because its on a computer, doesn't make it perfect.
@TrueBlue63: A famous man once said, \"Fool me once (long pause), shame on you. Fool me twice (very long pause), you see the fool can't get fooled again\". I think that advice might fit here.
![\"user-pic\"](\"/mt-static/support/assets_c/userpics/userpic-34627-100x100.png\")
@TrueBlue63:
Ditto, I make all of my CC payments online. made one once and forgot about it, got a call a couple weeks later asking where my payment was. Apparently it never went through. In thinking back I never got the confirmation e-mail that the payment had been received. Now if I don't get that e-mail I double check to make sure the payment went through.
@TrueBlue63: I had the same thought. Theres a saying regarding a good worker and a bad worker - when a light bulb goes out more than once in a week, a good worker will find out *why* it went out while a bad worker will continue to replace the bad bulb.
Ask questions and think about things, don't just do. I know the American educational system wants you to do the opposite, but I'd like to think our human instinct should win out.
Okay, Chrysler didn't make the process easy, but then there's no real incentive to Chrysler to make it super simple for non-payers to get their stuff back.
Regardless of the reasons and good intentions, the payments weren't paid on-time. Trying at the last minute is fine and well, but if the OP had been personally responsible up to that point, this wouldn't have happened.
@balthisar: \", but if the OP had been personally responsible up to that point, this wouldn't have happened. \"
...So? Shit happens, people make mistakes, people get busy. That doesn't mean Chrysler should screw him over.
Of course it should. That's part of the penalty for screwing up. All organizations use some method of the same thing. If you don't do as you're supposed to, you get added hassle. Whether that hassle is having to phone customer service, write a letter, or whatever the heck it is, there are always more hurdles to jump and you get screwed over by it.
His real mistake was doing the same stupid thing after it had failed repeatedly and never following up elsewhere.
@nakedscience: People do make mistakes, but they have to pay for the repercussions.
There were multiples points during 10 week period in question that the OP could have made an inquiry or noticed his balance in his checking account that would have clued him in that something was wrong. The fact is, he didn't. and now he has to pay.
@Biggbrother: Okay, so what about when a person screws up, and acknowledges that they screwed up, and acknowledges that they have to pay for their screw-up, and tries in all good faith to pay for that screw-up and is consistently blocked from paying for their screw-up?
Does that count as them screwing up more, somehow?
No compassion at all. How can you not look close enough at your checking to see that much extra and say \"mmmm whats wrong?\" LOL, Second, missed payment the next month?, Third once you made the payment why did you do it online yet again? CALL SOMEONE!!!
You left it up to a failing system and that was the biggest mistake. After the second or third issue call someone. Don't assume it is working this time.
Honestly I feel for you but pay the fee's its your own fault.
I have a question. Why didn't the OP receive a statement for his auto loan? I receive a statement every month. I get mine by mail, but some companies do online statements as well. I make my payment and then I wait for it to post and update my records (which is mostly just a reminder in Google Tasks that I've paid my car loan).
@pecan 3.14159265: You are on the dot with this question. If I understand, the OP financed through Chrysler Financial. When a family member financed through them, they got monthly statements. I need to echo what others have stated, and ask why the guy didn't call as soon as it was obvious that the web site was acting wonky.
Given the fact that the OP didn't check his bank account for a significant amount of time to notice the lack of auto payments being withdrawn from his account, I doubt he would be opening statements and reviewing them every month anyway. @pecan 3.14159265:
@pecan 3.14159265: I don't think that's universal, especially where a website is involved. It's been a few years, but I am almost certain that I did not receive more than annual statements for my last auto loan.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-21984-100x100.png\")
@pecan 3.14159265: I have had three car loans and never got a statement. In fact the last loan was sold to BB&T which didn't even have a bank in my area. I had to jump through hoops to even find a phone number for their loan servcing department when I wanted to change the vehicle address and payment address due to a divorce.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-685967-100x100.png\")
I don't receive statements at all. Our auto loan is through a bank 3 states away (it's what our local dealership organized). All we have is a receipt stub booklet. We send a receipt stub once a month with our check. No correspondence between the bank and us at all (other than sending up 5 years worth of receipt stubs). This has made me nervous since buying the car in November. I've even sent future payments several months in advance just in case one gets lost.
@heybtbm: @econobiker: Thanks all! I've only ever had one car loan (my current one) and I get statements, so I had no idea that other people didn't. Though the fact that both of you have loans through a bank (i.e. you didn't finance through the dealer) is the reason why I get a monthly statement and you don't. Or can some people not get statements even if they have a loan through the dealer?
The company that is currently servicing my auto loan had significant problems with their website for two months and it required a little Google trickery to come to a cached payment page that put me back into the secured payment system.
Works flawlessly, aside from the fact that payments from my checking account are DELAYED and I get ZERO notification the payment was processed for DAYS. I had a hard time getting a sympathetic ear with Customer Service. They more or less treated the website as a luxury to make payments and if I couldn't access it then \"oh well\". Same thing with billing statements - they never matched the website, so I'd have to call and confirm payments posted.
I just wish people would get off this stigma that if you are late or miss payment that you are a \"bad\" person and so highly irresponsible.
@Sam Wille: Not to sound like a dick, but if you KNOW their online system sucks why do you still use it? Technically, the website IS a luxury. They're not required to offer you that option. Why do you insist on using a broken system?
I think the message to be taken from the story is that if a company's online payment system isn't working, try something else. It sucks that this is happening to Sean, but I think after the second or third failed attempt, I would have just written a check or paid over the phone.
@rugman11: True, but the loan is a private contract between Chrysler and the OP. So why doesn't the onus fall on Chrysler to make the extra effort?
Let me try to explain: What if I had inordinate security restrictions on my bank account and attempted to by by electronic check through a functioning web site? Imagine that, as soon as the debit was detected, my bank would call Chrysler to verify, call again for their tax id number, email twice to verify their IP, and then certify by faxing a copy of the contract to the bank. How far into the process would Chrysler get until they just said, 'to hell with it' and considered the amount unpaid? I think the answer is: not very far. And I think they would be justified in doing so, because all those extra steps exact a cost, and for me to exact them is, more or less, outside the bounds of the contract.
So in this situation, where the effective reverse is true: Chrysler shouldn't be allowed to decline the money owed by way of overly complex payment process any more than I should be able to deny making a payment by way of an overly complex withdrawal process.
Although, the law usually does not view things in these terms, and allows (what I consider) marginal breach of contract provided one of the entities i
Small claims suit? Sounds like he has a case. Sue Chrysler AND the repo company...
@rellog321: He might not get too far if questioned why he didn't call when the payment submission failed for a second time. Obviously something was wrong with the system and it would have been advisable to follow up with a representative.
@rellog321: Its not the repo company's fault; Chrysler is holding the bag on this one. If Chrysler hadn't botched up the payments the repo company would have never had to store the car for so long. This is like if you don't pay your mechanic on time and he holds the vehicle you have to pay storage fees until you either pay the mechanic or he puts a lien on your car and sells it to get his money.
I think Chrysler owes the repo guy $210. The repo guy is the only 100% innocent party in this situation; he's just doing his job. It may not be the prettiest job but its necessary to keep costs down.
There are several inconsistencies with the OP's story here. First, he should have noticed that his March payment was not made, even after he submitted it online. A car payment is about $300-$400 a month at least. He should have noticed some extra cash in his checking account. He didn't even make his April payment, which should have been another red flag that his account had extra cash in it. Inunderstand he admits the mistake of forgetting April, and everyone makes mistakes, but his account balance should have tipped him off.
When he finally gets the letter from Chrysler, instead of calling customer service or, preferably, writing an e-mail, he tries to submit the payment online again. This is just pretty irresponsible on his part. While we all have grown so comfortable with electronic payments that we assume they go through 100% of the time, it is our responsibility to make sure the payment goes through. I bet the OP didn't even print out the confirmation screen when he made his payments. This is crucial evidence, especially if there is no confirmation e-mail sent. What proof does he have if he doesn't print it?
That being said, I am shocked that Chrysler would repossess a vehicle after only 3 months of non-payment! I watch the show Repo sometimes on TruTV, and most repos seem to occur after 6-7 months of non-payment, sometimes longer. Obviously, the entire repo process is protracted and painful. These employees are used to dealing with people are simply irresponsible in some fashion, and in a way, the OP is irresponsible since he didn't take crucial steps to verify his payments. I agree that the repo fees are steep, but no steeper than when you park illegally and the cops ticket you and have your car towed to a tow yard. Ever been through that process? It's just as bad. The point is, don't have your car repossessed and expect to get it back quickly and on your preferred schedule.
I think this is a lesson to be learned by the OP. Verify your payments, check your accounts, and follow-up by phone or by writing if you encounter glitches. Use a service like Mint.com or Mvelopes.com to manage your money and accounts. I find that they are great for tracking every single transaction that hits your account.
@Biggbrother:
So it's ok to have a system in place that rewards them planning repo's around a weekend so as to jack up the fees? My god man he admits to his mistake and wasn't looking for a free ride, he just wants to be treated fairly. Not informing him of the problems with the faxes and not disclosing fees is not a reputable way to do business no matter what he did to start this process. If there is another lesson to be learned it's that once you start sinking into a hole, there will be plenty of people there to maximum the cost of getting out.
![\"user-pic\"](\"/mt-static/support/assets_c/userpics/userpic-87038-100x100.png\")
This is one of the reasons why when I found a bank that has a reliable online payments system with guaranteed delivery of payments (within their ToS of course) I've stuck with it, and use it for all of my bill payments. It took me about 4 years of 100%-reliable history with the online payments system to feel comfortable using it for my mortgage, but that's my own personal paranoia.
My bank promises to cover any late fees or penalties if they don't deliver a payment by the date promised. In more than a decade of using their bill-pay, I think I've only had to take advantage of that twice. Even though they're not exactly my friend, at least my bank doesn't benefit from my payments being late like the payee would, and all my payments (completed, pending and scheduled) show up on one web page for me to monitor.
@GearheadGeek: And this is why I'm still a Luddite when it comes to making payments. I write the check, I seal the envelope, I add the stamp. I also know how long it usually takes my payment to be deposited, so if I haven't had my student loan payment withdrawn after a week, I know something's up.
I do feel sorry for the OP, but if he had done his due diligence from the get go (and kept track of his bank account) this whole situation could have been avoided.
@GearheadGeek: Well in this case, the OP's bank had nothing to do with it. Chrysler never initiated any kind of payment to the bank, so the bank never had any contact from Chrysler. It's the OP's fault he missed a payment, but it was Chrysler's fault their system messed up and didn't send payment to the OP's bank, even though it said it did.
@pecan 3.14159265: you missed my point. If Chrysler screws up his payment, they just don't take the money and charge him late fees if he doesn't notice. If my bank fails to make the scheduled payment, THEY pay the late fee. His mistake was in using Chrysler's site rather than a payment service that is working for him.
Actually, the OP said he made the March payment and it said \"pending\". He never logged back in until after he got the letter on May 1. So he never verified that the payment was actually processed. @pecan 3.14159265:
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-10572-100x100.png\")
That's probably why they're bankrupt.
As far as this writer... wow. I think I'd be freaking out if I was that far behind on a car payment. He comes across, in his writing anyway, as kind of lackadaisical about it. Yikes.
@synergy: My former spouse was the same way about her car payments- until I kicked her in gear about it. She had gotten a couple defered and one year she even stole our joint tax refund to get the payments back up to date. I later found out that we were one day from her car being repo'ed but one the plus side their address was completely wrong- it was three addresses prior and in a state 1000 miles away.
The irony was that when my(college degreed)ex finally got a temp job to bring in some money (versus spending it on multi-level marketing scams), she ended up with her first gig as working in the loan dept of a bank calling people who had missed a car payment.
she ended up with her first gig as working in the loan dept of a bank calling people who had missed a car payment.I think this falls under \"It takes one to know one.\" :D
took this guy two months to realize his payments werent being received? Blame falls on this idiot.
Everytime I make my mortgage, car note payments I do my DUE DILIGENCE in ensuring payments are received by the bank.
Theres a word out there, its called being proactive.
If not, then expect to pay all these b.s fees.
You couldn't pay ME to drive/own a Chrysler product right now. Glad OP got his situation straightened out. Believe it or not, that could have gone much worse.
I agree that Sean should definitely seek counsel in regards to filing a suit against Chrysler...and yes, this is one of many reasons that Chrysler is bankrupt.....and they are trying milk any dollar that they can from consumers..And yes Missy....we all make mistakes....cut him a break....the bottom line is that Chrysler made no REAL attempts to contact him until May...then they repo'd... and then drug their feet to collect as many \"fees\" as they possibly could.....
@RoderickHummingbird: I am not necessarily apologizing for Chrysler, but I have found in general (personal experience) that most companies don't send notice or make \"REAL\" contact on the first missed/late payment. The second payment was missed and then they notified him via letter. They also sent email notifications of the additional payment attempt(s) failure.
What is not spelled out, is the due date of the May payment. It is possible the system failure to properly process the payments made the May payment late. Granted it was a dick move the repo the car so quick, but it might be that the contract allows for it after 3 missed payments. I agree it was also a dick move to dig in on the fees and for the repo lot to charge the additional $210.
Just pay your bills and don't pull a \"stupid moment\" and this would not of happened. IMO the OP is in need of some justice for being a slacker.
When you spin other peoples wheel roll the dice!
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-306914-100x100.png\")
minor point
EMAIL vs FAX query: the OP states he FAXed documents, later was told he could send via EMail, and that he wished he knew that earlier as he paid for the service.
Please, if he could get an image to EMail, let him know there are several [free!] ways he could FAX the image via his Internet connection.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-329134-100x100.png\")
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-28313-100x100.png\")
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-534521-100x100.png\")
It sounds like Chrysler wants to hoard as many cars as it can in anticipation of the spike in used car prices, kind of like what the Hunt Brothers tried to do to silver in the early 1980's.