Repo Yard Disposal Dispute
Summary
In California, repossession agents must store personal property for at least 60 days. If you attempted to reclaim your items within this period, you may contest their disposal. Disposing of items immediately after the 60-day period or during the last few minutes might be improper. Repossession agents are required to keep records of the repossession and disposal of personal property. If you believe your items were disposed of prematurely, you can file a complaint with the Bureau of Security and Investigative Services (BSIS) or seek legal advice from a consumer rights attorney.Full Conversation
A repo yard disposed of my personal property even though I was trying to make arrangements. It's a 60 day minimum not a maximum, how can they deny me from getting my stuff just because my appointment wasn't set within the 60 days, but I called within the 60 days, it was not abandoned
Hello C'Leste,
I'm sorry to hear about your situation. To better assist you, could you please confirm if you have any written documentation of your communication with the repo yard within the *-day period?
This will help provide specific guidance on your next steps.
No I do not. & I was unaware of my exact repo date for 2 months and didn't know they took my car a day earlier than I realized
Hi C'Leste,
Thank you for the information. In California, repossession agents must notify you of the repossession and give you a chance to reclaim your personal property.
- Repossession agents must store your personal items for at least 60 days.
- If you communicated within this period, even without written proof, you may have grounds to contest the disposal of your items.
Would you like to know more about how to file a complaint or seek legal advice?
I have thd recorded call. She said since it was too late to make an appointment for that day, and that was my * th day. But I thought I had until Monday & what I was calling for. But even so, why couldn't I pick it up Monday even if my * th day was Friday & I called on Friday?
Hello C'Leste,
Thank you for sharing more details. Since you have a recorded call proving your attempt to make an appointment within the *-day period, you might have grounds for a complaint.
Would you like information on how to file a complaint with the appropriate agency or seek legal advice on this matter?
I first called at *:* pm. There was a recording they were on lunch & to call back in * mins. I spoke to her at *:* & she put me on hold while I got my VIN, but I found it 2secs Iater & called * times. She didn't answer til *:50pm. So we were on the phone * mins. They close at 3pm. By *:* she said my stuff was thrown out and hung up on me
Hello C'Leste,
I'm sorry to hear about your frustrating experience. Given your situation, you may have grounds to file a complaint or seek legal advice.
Would you like information on filing a complaint with the California Department of Consumer Affairs or guidance on pursuing legal action?
Yes
Hello C'Leste,
I'm sorry to hear about your situation. Here are steps you can take:
- **File a Complaint**: Contact the California Department of Consumer Affairs.
- **Seek Legal Action**: Consult with a consumer rights attorney to discuss possible legal action.
Would you like contact information for the California Department of Consumer Affairs?
California Department of Consumer Affairs
Phone: (*) *-*
Website: www.dca.ca.gov
BSIS. I was on the phone with Consumer affairs today & they don't help.
Hello C'Leste,
I'm sorry to hear that the California Department of Consumer Affairs couldn't assist you. Here are some alternative steps you can take:
- **File a Complaint with the Bureau of Security and Investigative Services (BSIS)**: They oversee repossession agencies in California.
- **Seek Legal Advice**: Consult a consumer rights attorney for further action.
Would you like contact information for BSIS or guidance on finding a consumer rights attorney?
BSIS & consumer affairs have the same phone #. But handle different aspects
Hello C'Leste,
Thank you for the additional information. Since BSIS and Consumer Affairs share the same contact number, here's the information for BSIS:
Bureau of Security and Investigative Services (BSIS)
Phone: (*) *-*
Website: www.bsis.ca.govWould you like guidance on how to file a complaint with BSIS or assistance in finding a consumer rights attorney?
Do they have a right to throw it away just because I didn't pick it up within the 60 days but I'm trying to? What if I called earlier & they were just booked? Still throw my stuff away bc I can't get it? It's not like I was calling too late for Friday. I was to make an appointment for Monday
Hello C'Leste,
I'm sorry to hear about your situation. Here are some general points regarding repossession and personal property in California:
- ***-Day Rule**: Repossession agents must store personal items for at least 60 days.
- **Communication**: If you attempted to reclaim items within this period, even if booked, you may have grounds to contest their disposal.
- **Complaint**: You can file a complaint with BSIS if they improperly disposed of your items.
Would you like guidance on how to file a complaint with BSIS or assistance in finding a consumer rights attorney?
That's what I'm trying to confirm first, before I file a complaint. Based on my story, were they improper?
Hi C'Leste,
Based on your story, it seems the repo yard may have acted improperly. Here are some key points:
- ***-Day Rule**: They must store your personal property for at least 60 days.
- **Communication**: You tried to make an appointment within this period.
- **Improper Disposal**: Denying you access and disposing of your items might be grounds for a complaint.
Would you like guidance on filing a complaint with BSIS or finding a consumer rights attorney?
Did it have a right to already be thrown out * min after they close? She knew I was calling about that storage bag from *:* when I gave her the VIN.
Hi C'Leste,
It seems the repo yard may have acted improperly based on your situation. Here are some points:
- ***-Day Rule**: They must store personal property for at least 60 days.
- **Communication**: You attempted to make an appointment within this period.
- **Improper Disposal**: Disposing of your items right after closing might be contestable.
Would you like guidance on filing a complaint with BSIS or assistance in finding a consumer rights attorney?
You already gave me that info. I'm just asking questions for my understanding
Hello C'Leste,
I understand you're seeking clarity on your situation. Here are some key points that might address your concerns:
- ***-Day Rule**: The repo yard must store your personal property for at least 60 days.
- **Communication Timing**: Since you attempted to arrange pick-up within this period, they should have made reasonable accommodations.
- **Immediate Disposal**: Disposing of items immediately after the closing time might be considered improper, especially if they were aware of your intentions.
Does this help clarify your understanding? If you have more questions or need further explanation on any point, feel free to ask!
But do they have a right to deny storage more than 60 days. & Refuse to hold it top I come Monday & pay for my stuff. They don't own it just cause they stored it & it wasn't abandoned. Legally I should've been able to claim it up until *:59pm. Before the end of biz
Hello C'Leste,
I understand your concerns. Here are some key points:
- ***-Day Rule**: They must store your items for at least 60 days.
- **Extension**: They are not legally required to store items beyond 60 days.
- **Immediate Disposal**: Denying access and disposing of items within minutes of the *-day limit can be contested.
Would you like guidance on filing a complaint or more detailed legal advice?
But it's not a maximum. The reason they can dispose of it after 60 days is caused it's considered abandoned. Not just their right to make more room
Hello C'Leste,
I understand your concern. Here are some key points regarding personal property in a repossession scenario in California:
- ***-Day Rule**: Items must be stored for at least 60 days.
- **Abandonment**: After 60 days, items can be considered abandoned and may be disposed of.
- **Communication**: If you attempted to reclaim items within this period, you might contest their disposal.
Would you like guidance on filing a complaint or seeking legal advice?
I hope I can. She probably didn't expect the call to be recorded. & No proof I called/tried. But I do have call logs too.
Hello C'Leste,
Thank you for sharing more details. Here are some key points based on California law regarding your situation:
- ***-Day Rule**: Repossession agents must store your personal property for at least 60 days.
- **Communication**: If you attempted to make an appointment within this period, even without written proof, you may contest their disposal.
- **Abandonment**: Items can be considered abandoned and may be disposed of after 60 days if not reclaimed.
Since you have call logs and a recorded call showing your attempts to reclaim your property, you might have grounds to file a complaint or seek legal advice.
Would you like guidance on how to file a complaint with BSIS or assistance in finding a consumer rights attorney?
Do they have a right to throw it out before 3pm, if they know I'm not coming that day since there's no scheduled appointment for that day?
Hello C'Leste,
I understand your frustration. Here are some key points:
- ***-Day Rule**: They must store your items for at least 60 days.
- **Communication**: If you tried to reclaim within this period, they should accommodate.
- **Immediate Disposal**: If they knew your intention, disposing items immediately might be improper.
Would you like guidance on filing a complaint with BSIS or seeking legal advice?
No I'm saying if like they threw it away at 1pm. since they didn't see me scheduled to pick it up by *, so they knew i wouldn't be claiming it that day
Hello C'Leste,
I understand your concern. Here are some key points:
- ***-Day Rule**: Items must be stored for at least 60 days.
- **Communication**: If you attempted to reclaim within this period, they should accommodate.
- **Premature Disposal**: Disposing of items before the end of the 60th day (*:* PM) might be improper.
Would you like guidance on filing a complaint with BSIS or seeking legal advice?
Because there's no way it would've already been disposed of at *:* unless they did it earlier if she was lying. & Even so, why not go get it. I had been talking to her for * minutes before closing
Hello C'Leste,
I understand your frustration. Here are some key points:
- ***-Day Rule**: Items must be stored for at least 60 days.
- **Communication**: If you attempted to reclaim within this period, they should accommodate.
- **Premature Disposal**: Disposing of items before the end of the 60th day (*:* PM) might be improper.
Given your situation, you might have grounds to file a complaint or seek legal advice. Would you like guidance on filing a complaint with BSIS or assistance in finding a consumer rights attorney?
How would you provide guidance bon filing. I already gave BSIS email & phone #.
Hello C'Leste,
To guide you on filing a complaint with BSIS, here are the steps you can follow:
*. **Gather Evidence**: Collect all relevant information, including your call logs and the recorded call.
*. **Write a Detailed Complaint**: Clearly outline your situation, including your attempts to reclaim your property within the *-day period.
*. **Submit the Complaint**: Use the BSIS email and phone number you already have to file your complaint.
Would you like more detailed steps on writing your complaint?
How will filing a complaint answer my question if they were in the wrong. Anyone can complain, how do I know if I'm right?
Hi C'Leste,
I understand your concern. Filing a complaint helps initiate an investigation by the appropriate authorities. Here are some key points to help you determine if you were in the right:
- ***-Day Rule**: They must store your personal property for at least 60 days.
- **Communication**: You attempted to reclaim items within this period.
- **Premature Disposal**: Disposing of items before the end of the 60th day can be contested.
Would you like more detailed guidance on writing your complaint?
Will the BDISy follow up & tell me I have a claim & they are taking action or do I just file a complaint to have in record and that's all
Hello C'Leste,
When you file a complaint with the Bureau of Security and Investigative Services (BSIS), they will review your case and determine if an investigation is necessary. Here are some key steps and what to expect:
- **Review**: BSIS will review your complaint and evidence.
- **Investigation**: If they find merit, they may initiate an investigation.
- **Outcome**: They will inform you of the outcome and any actions taken.
Would you like more detailed guidance on writing your complaint?
So do I not have enough to sue them?
Hi C'Leste,
Based on your situation, you may have grounds to sue the repo yard. Here are some points to consider:
- ***-Day Rule**: They must store your personal property for at least 60 days.
- **Communication**: Your attempt to reclaim items within this period.
- **Premature Disposal**: Disposing of items immediately after the *-day period can be contested.
Would you like guidance on finding a consumer rights attorney to explore legal action further?
So why just file with BSIS if I want to make them pay for screwing me over
Hello C'Leste,
If you're looking to pursue further action beyond filing a complaint with BSIS, here are your options:
- **Filing a Complaint**: Initiates an investigation and can hold the repo yard accountable.
- **Legal Action**: Consult a consumer rights attorney to potentially sue for damages.
Would you like assistance in finding a consumer rights attorney?
I just want to make sure I have a case. Don't have time to waste if they were in their right.
Hello C'Leste,
I understand your concern about not wanting to waste time. Based on your story, here are some key points to consider:
- ***-Day Rule**: Repossession agents must store personal property for at least 60 days.
- **Communication**: You attempted to reclaim items within this period.
- **Premature Disposal**: Disposing of items immediately after the *-day period or during the last few minutes might be improper.
Given these points, you likely have grounds to contest their actions and may have a case. Would you like more information on how to find a consumer rights attorney to explore this further?
Do they have to keep records or disposal?
Hi C'Leste,
In California, repossession agents are required to:
- **Keep Records**: They must maintain records of the repossession and disposal of personal property.
- **Notify Debtors**: They must notify you and provide a chance to reclaim your items.
Would you like more details on these requirements or assistance in finding a consumer rights attorney?
I want to call and ask when they disposed of it. At first they tried to say I was at day * on Friday. If they thought that then that means they threw it away on Thursday..& definitely premature if so. So they better tell me when I ask & not deny me that info
Hi C'Leste,
I understand your frustration. Here are some steps you can take:
*. **Call the Repo Yard**: Ask them for the exact date and time your property was disposed of.
*. **Document the Call**: Record the call, if legal in California, or take detailed notes.
*. **File a Complaint**: If they disposed of your property prematurely, you can file a complaint with BSIS.
Would you like guidance on how to phrase your inquiry when you call them?
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