What to do if my former girlfriend and I share a loan on a car with a credit union?
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What to do if my former girlfriend and I share a loan on a car with a credit union?
I also have a loan on a truck from the same credit union. I am the primary on both loans, and I defaulted on my truck payment. My former girlfriend has never defaulted on the car or even been late. The credit union stopped applying her payments each month for 3 months to force her to tell them where I was keeping the truck. When she would provide them with the information, they would apply her payment. This went on for 3 months, with them telling her they would repossess her car if she failed to provide the information on the where abouts of my truck which was in default. Is this legal and is there any way to sue them for this action?
Asked on October 18, 2012 under Bankruptcy Law, Alaska
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
What the credit union was doing as to refusing to apply payments for the truck that you were obligated on with her unless she advised its representative where the vehicle was could be deemed an unfair business practice. I suggest that you and she consult with a consumer law attorney about the matter that you have written about.
If you both were assessed a late payment when the payment was actually timely, such penalty was clearly improper in the civil arena.
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