1. Gather Evidence:
- Keep all the documents related to your vehicle purchase and repossession. This includes the original sales contract, loan agreements, and any other paperwork.
- Make copies of all the receipts and invoices related to any fees you've paid.
- Document any conversations or interactions you've had with the company regarding the overcharges and made-up fees. Write down the date, time, and details of these interactions, including the names of anyone you spoke with.
2. Contact the Company:
- Write a formal letter to the company or dealership that sold you the vehicle. In the letter, clearly state that you believe you are being overcharged and that the fees are fabricated.
- Request an explanation for the overcharges and demand a refund of any excessive or unjustified fees.
- Keep a record of all correspondence, including copies of your letters and their responses.
3. File a Complaint:
- Contact the Better Business Bureau (BBB) in your area and file a complaint against the company. The BBB can act as a mediator and help resolve disputes between consumers and businesses.
- You can also file a complaint with your state's attorney general's office. They have the authority to investigate consumer complaints and take action against businesses that engage in deceptive or unfair practices.
4. Consult an Attorney:
- If the company continues to overcharge you or refuses to refund the excessive fees, consider seeking legal advice. A lawyer can help you understand your rights and options, and can represent you in court if necessary.
5. Explore Alternative Options:
- If you believe the vehicle was repossessed illegally or without proper notice, you may have the option to file a lawsuit against the company for wrongful repossession. This is why it's important to consult an attorney to understand your legal rights.
Remember to maintain all communication in writing and keep records of all interactions, invoices, and other relevant documentation. It is important to be persistent in seeking resolution to this issue and to take action to protect your rights as a consumer.
