I purchased a vehicle with a credit union, which they later charged it off. I called them last year in April to make payment arrangements and they said they charged it off. They said they would repo the vehicle and I gave them my address. No one came to get the vehicle. I called them back and they told they didn't want the vehicle. I asked them do I still make payments and keep the vehicle. They told me I can do what I want to do and the collection lady hang the phone up rudely. I called them back and no one returned my call.

Months went by and I sent them a certified letter in November of 2010 to either come get the vehicle or work out a payment plan with me. The CFO contacted me and I told him what had happen. He told me they really don't want the vehicle and to send him a payment plan. I asked him does that mean they are going to let me keep the vehicle, because the vehicle has been sitting on my property since April. He said yes. So I sent him a payment plan and request to have the title/leinholder information so I register the vehicle in the state I moved too. They have not contacted me back. So I called them and the credit rep told me to leave a voice message on the credit collection manager's phone and he will call me back. I did just that and no one contacted me. I called again and no return phone call. Again, they didn't come pick up the vehicle. Its been almost a year since they didn't come pick up the vehicle and they had my new address since April of 2010.

Now the vehicle is register in another state. Something is not right here. In April I was willing to work out a payment plan, with giving them 1200 to start. The credit union refused. Now in November, they are not responding after he told me he would work with me. What do I do? I am thinking they have no information on the vehicle. Or they charged off a vehicle and was not suppose to. Any someone with experience help me here. Like he told me again, they don't want the vehicle. I can't register the vehicle without them giving me title/leinholder information (not the title, because I have not paid for the vehicle). I don't have that information, it was lost.

First lets clear up a term, "charged off" that is merely an accounting term that means they wrote the debt off their books ( and claimed the credit at tax time)

It does not mean you don't owe them,

But also they may have sold it to someone else, or the do this just for the heck of it to mess with you, for being so late paying them,

Funny thing, they don't have to accept your payments since you are in default, And they don't have to give you title or register it since you are also in default.

And they don't have to come repo if they don't want to either, They can just stick you with a car, you can't sell and can't drive and can't title or license.

This is not helping me and you did not answer my question. I know I owe them, because I am in default. The didn't sell the loan. Read the story again. You response did not answer nothing.

YOu don't need to clear up the term charged off.. I know what a charge off is. Thanks

That is the answer, there is nothing you can do if they don't want to work with you, You can drive the car over to them and hand them the keys, but short of that, there is nothing you can do to force them to do anything.

I have known several people, who had to at some point just drive off and leave the car.

I did not say to force them into anything. I am seeking a solution. They can come get the vehicle. They just don't want it and if they don't want it, what can I do with it. Read the story again. You are not helping me with a solution.