MAJOR ISSUE WITH CITI-FINANCIAL PLEASE HELP !!!? - Mustang Evolution

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Old 03-10-2010, 06:00 PM   #1
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MAJOR ISSUE WITH CITI-FINANCIAL PLEASE HELP !!!?

Oka here is the spill I need all the advice I can get !! In march of 2008 I called citi-financial to make a car payment I had used them to finance my car. I was told my account was paid in full. I was shocked because I didn't know who would have paid off my account I owed 8,000.00. After calling around to family members my father-in-law said he paid off the car. I was getting ready to have my baby and It was a present to me he said. I had a mustang and he knew we needed something more sutible. A few days later my Title came, a payoff letter thanking me for my buisness, and the original loan contract I signed the day I bought my car stamped "paid in full ". I was so happy !!! Well, in July of that year I finally found a man willing to trade his trail blazer to me for my mustang. even trade. we exchanged titles went and registered our cars. case closed. So I thought !!! In November of 2008 I got a call from a collection agency saying I owed over 2,000 in past due payments. I explained the car was paid, faxed them a letter, and the contract stamped paid in full and never heard a word. The other day another comany contacted me and said I still owe the money. I said my father in law paid it. They called me a liar. I am scared to death. I have all documets showing the car was paid in full, i recieved a title, I don't even own the car anymore !!! my father-in-law can't find the money order reciept since it was a year later. I am worried my father in law may have lied and not paid it. Could citi-financial have made a huge mistake and sent all that on accident. If so, can anything be done at this point if they have no title, no contract, nothing !! I want to believe my father in law is telling me the truth but I don't know what to do from here !! I need alll the advice I can get !!!
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Old 03-10-2010, 06:07 PM   #2
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MAJOR ISSUE WITH CITI-FINANCIAL PLEASE HELP !!!?

First, relax. Go ahead now take a breath. Your ok. You got a clear title, you have a paid in full letter and if it were not paid in full you would NOT have gotten the tittle. There is a mistake somewhere, when these losers call you simply tell them you paid it off, have proff of that and are simply not going to tolerate their behavior. Tell them to go ahead and sue you - your fine, again, you got the title and the letter. Don't let these people upset you. Your father in law could call his bank and show the funds were withdrawn around the date you indicate. Your ok
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Old 03-10-2010, 06:35 PM   #3
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MAJOR ISSUE WITH CITI-FINANCIAL PLEASE HELP !!!?

These collection companies are trying to intimidate you into paying them something you do not owe. Make absolutely sure you keep the payoff letter and the contract stamped "paid in full". Then if another collection company calls tell them you have paid the entire debt off directly to Citi. Tell them the documentation you have and get the name of the caller and the name, telephone number and address of the collection company. Then tell them if they ever call you again, you will sue them under the Fair Debt Collection Act. Make sure you NEVER, NEVER send them money and NEVER, NEVER give them any information about your checking account or any other financial resources. These people are scum, and they will use any information you give them to try to drain all of your money.
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Old 03-10-2010, 06:58 PM   #4
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MAJOR ISSUE WITH CITI-FINANCIAL PLEASE HELP !!!?

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