Consumer complaint received 2025-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Southern Credit LLC
State: LA

Complaint narrative:
I bought a XXXX for {$15000.00} from a private seller. I was having trouble getting a double title transfer to get the car registered and a hard plate. I just couldnt afford it at the time. A man named XXXX XXXX is an old friend of my mom and the owner of Nick arnone loans in XXXX LA. My mom told him the problems I was having and told him to contact me. He reached out to me saying he could get me a hard plate and registration in my name with no problem just to come to his office. I go he looks at my car and asked if I had the title and the bill of sale I said of course. I give him both documents and we go inside. While were in his office he asks me a bunch of questions about what I do for work where do I live whos my landlord etc. I give him all the information he asked for then he hands me a pen and starts saying sign and date here here and here so I do. I asked him what was I signing and he said just some paperwork he needs my signature on to show I have legal ownership of my car. After I sign all the paperwork he told me that its gon na cost about {$6000.00} to get the plate with registration and do the double title transfer. I told him I didnt have that type of money he proceeded to tell me that he is going to pay for it and just put me on a payment plan. He also said that if I make the monthly payments it would raise my credit score. I was unsure if I wanted to do that but he insisted that he was only trying to help me. After a couple minutes of him telling me him and my mom go way back and he remembers me when I was a baby i was convinced he was a friend. After I said okay I told him that I wont be able to make a payment until the second week of XXXX he said that was fine. I also told him that I would pay the {$6000.00} In full by that time he said even better and if I did that it would be a little less than {$6000.00}. I then asked him if there was any stipulations or anything that I should know about in regards to the payment plan and he said as long as I can either pay it in full or just make a payment by the second week of XXXX everything will be fine. I was still a little confused about why he was helping me but he was so convincing that he was a friend just trying to help. He told me that I spent to much money on my car to be driving it around with no license plate and he didnt want me to get pulled over and get the car towed without it being registered to me be because then I wouldnt be able to get it out of impound. I then asked him again if there was anything I needed to know about the agreement because I didnt want to be in the position to lose my car and he said brother I would never do that to you your mom and I are to close I was convinced. A couple of months later my car gets towed because I didnt have insurance on the vehicle and I go to XXXX for two days. While I was in XXXX  XXXX went to the tow yard and got my car without my knowledge. Once I was out of XXXX  my girlfriend told me that she was told by my mom that XXXX had my car. I was confused so I immediately called XXXX and asked him why and how did ge get my car. He told me that I had until Tuesday to pay him {$1600.00} or he was going to sell my car. I didnt understand what was going on so I was asking him a bunch of questions and he stops me and says XXXX I got ta go Ill call you back later tonight. He never called me so I texted him to get no response. A couple of hours later I get a notification that my car was refueled so I go check the app and see that my car was being driven through downtown XXXX. I then texted XXXX again asking him why my car is being driven around like they own it and why he never called me back. He then called me and when I answered and said hello he was screaming saying that no one is going to text him like the way I did and if I wanted to get my car back that I had until the next day to pay him. He then said matter fact your cars already gone.

Company response to consumer: Closed with explanation