Patrick K Willis Company Inc Complaint: Problems when you are unable to pay

#1716772 24 Dec 2015

Consumer Loan Vehicle loan

Complaint #1716772 submitted on 12/24/2015 relating to Patrick K Willis Company Inc. Complaint relates to Consumer Loan Vehicle loan - Problems when you are unable to pay .

Complaint was submitted via Web and sent to the company on Wednesday 30th December 2015.

Narrative (may be redacted).

Here are the facts as told by my wife, XXXX from XXXX XXXX, 2015 : " Around XXXX at night someone rings the door bell. I turn on the porch light and asked my son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, I walked to the door and opened the door, keeping the full-length glass storm door closed and locked. I asked the young lady that was on the porch, how can I help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' I told her that we did not have a van. She said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. I asked her did she call my husband because he was not home ( When I called XXXX early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' I asked her again, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( XXXX ) had spoken to the bank. '' At this time, I see a young man peek around the corner toward the front door. I explained to her that she needed to call my husband and he could take care of this since it was in his name and he had called to make arrangements earlier to turn over the vehicle. The young lady then stated to me, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' I said to her alright and I closed the door. " My wife and son are both willing to provide sworn affidavits to support what they heard last night. I believe this was an effort to repossess the vehicle in breach of the peace and violations of the fair debt collection laws, both the federal Fair Debt Collection Practices Act, the Indiana Fair Debt Collection Practices Act, Indiana law.Initially XXXX refused to provide the identity of the repossesssion vendor so I filed a complaint herein against XXXX, later XXXX stated the vendor was XXXX, now XXXX stated the vendor was American Recovery Services. See attached letter from XXXX.

Older American

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