Consumer complaint received 2022-05-26
Company: CCF Intermediate Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I took out a title loan with Check into Cash on or about XXXX of XXXX, for the amount of {$2000.00}. I had made payments, fell behind, caught up and then defaulted on said title loan. My car was repossessed on or about XXXX ( XXXX ) XXXX. I called the local Check into Cash Office, to get the total balance due and to see if there was anything that I could possibly do to get the car back. The XXXX  Manager, whom goes by the name of XXXX, stated that my current balance was ( exact amount i do not recall ) somewhere around {$3200.00} and she stated that everything was " out of her hands '' at this point. She then stated that I could call the company whom had my car, get the current amounts from them and see if they were willing to re-instate my loan and or work out new terms for repayment. She provided me with the phone number and had informed me that if that number did not work, call her back and she would reach out to her XXXX XXXX and get another number. She also stated that she " still had my title in Office '' and I told her I would give them a call. I called the corporate number provided, spoke with a " titling Agent '' whom informed me that there was no option for another chance of refinancing etc, that the balance of {$3200.00} XXXX ( she provided the exact amount, however I do not recall verbatim ) was due in full, within 20 days. She then stated to hold on, she had to check Missouri Law, got back on the line and informed me that I had 9 days to come up with the balance in full. At the beginning of each call, I was informed that these calls are recorded for quality assurance purposes, which would assist in validating my claims of an Unlawful Reposession.After Looking into Missouri Repossession Law, I have since learned that this very well was an unlawful repossession. There are a series of notices that are required by law, to be mailed to the Consumer. I have signed and received one notice that was post marked XXXX XX/XX/XXXX in the state of XXXX and was not signed by myself until the XXXX delivered on XXXX XX/XX/XXXX ( I have record of this, as well. ) and is considered to be " Notice of Our Plan to Sell '' .The Law reads that I am to be given a minimum of 10 days notice PRIOR to the selling of vehicle.The sale date was XXXX XXXX. However, the only other prior notice, pertaining to my 161 days missed payments, was NOT sent. I did receive one, months prior to missing 161 days of payments, in which the balance was paid in full and made current again. In the event Check into Cash  decides to attempt to use that notice for this, that would also be erronous on their behalf. I would like to clarify, the first and only notice I have received on being behind for 161 days IS the notice of intent to sell Property. I have not received the third notice either. Furthermore, I am led to believe that Missouri is a 20 day state, in which this poorly written notice states that I have until the sale date ( XXXX XX/XX/XXXX ) to come up with the balance due in full, plus any of their " costs & Fees ''. Missouri law states I am to be given 10 days notice of sale, with very specific details on the notice. The notice was written on XXXX XX/XX/XXXX, post marked XXXX XX/XX/XXXX, and signed by me on : XXXX XX/XX/XXXX. The " place '' where the sale is to be held simply states : XXXX. I googled information prior to the sale and have yet to locate a place with the name of XXXX. There was no formal address given, the balance owed is not listed. For balance owed : there is a XXXX number and I am instructed to call to receive balance. In all Legal context that I have researched and read, on this specific notice is to state the LOCATION properly and the Balance owed on this notice.The letter came from XXXX, and with that being said, I have yet to locate where the car was " properly advertised '' per Missouri Law and how was I to attend or " send bidders '' when the Location is so vaguely stated. I also had some personal items in the vehicle ( none of serious intrinsic value but a XXXX XXXX for my spouse, sunglasses, etc ) and was not contacted to arrange a place to collect these items. I believe, after studying Missouri Law, this was an Unlawful Repossession and that this matter should be investigated. I realize that I defaulted on my title loan, and struggled to make the payments once I lost my job during COVID. However, there are laws in place to protect Consumers, such as myself, from exactly this. I can provide the one notice I have received, a copy of the {$440.00} payment and another {$400.00} + payment that pertained to the original first notice, that brought my account to good standing, thus making that notice unusable for the account, after it had began to default to the point in which Check into Cash cites for repossession. 



I realize and take accountability for the default on my behalf. However, the clear or sheer disregard for Missouri 's Laws to protect Consumers, like myself, from predatory Lending Companies to violate the Rights of Constituents like myself, needs to be adressed.

Company response to consumer: Closed with explanation