Hello everyone,

Can a credit union repossess my vehicle if they don't have no lien on it? They used to own it in the past with a lien, but I refinanced it with a different bank that has the lien on it. The auto loan is current and up to date on the payments.

I have a personal loan and credit card account that is in default with the credit union bank that wants to repossess it do they have the legal right to do this ?

You owe them money, apparently in arrears. They will go after your assets, one of which is the car.

Be sure, that if and when you took the other loans, all collateral was not merged. This is a common practice with credit unions, so that no one part of collarteral is free, till all the loans are paid.

You will need to check the paper work.

2nd of course, this may just be a collection scam, to try and make you find the money and pay them.

And of course they may be planning on a law suit and request to attach the vehicle for payment.

So the answer is yes, it is possible, depending on the fine print of your loan agreements.

Assuming the title does not list them as the lienholder, then they would have to go to court to get a judgment and get a writ of attachment. But if they do so, they certainly can.

However, if you never got a new title and they are still listed as lienholder they can repo it.