The Credit Union Won’t Come and Get My Car. What Should I Do?

Question: Dear Steve, August 2006 my step-father bought outright with cash a car for my mother. He passed away September 2006. In March 2009 my mother took the title to the credit union for a $10,000 loan. 2 different times the car was repo’d. Both times her granddaughter paid $2,500 to get the loan caught … Read more

Can My Credit Union Refuse to Give Me My Car Title?

Question: Dear Steve, My credit union is holding my car title hostage for an unpaid charged off visa. Ok, the vehicle was paid off 6 years ago, the car is no longer registered because it needs a new transmission, I refuse to dump anymore money into a 12 year old car, I can’t junk it … Read more

The Credit Union Won’t Lower My Son’s Student Loan Interest Rate

“Dear Steve, Too much student debt and banks wont help. My son has a few student loans. One of them is from a credit union with an interest rate of 9.5% The payments are $658 for the next 25 years!! We have asked them to lower the rate, so he can make the payments, but … Read more

My Credit Union Won’t Give Me My Car Title Because I Have a Credit Card Balance

“Dear Steve, Worked for this credit union who in the past had federal investigators in when there were bogus loans. Worked there for 15 yrs. I paid my car loan off with my credit union but they won’t give me the title. I owe on a visa account there and they are pulling the cross … Read more

Grow Financial Credit Union Says They Are Holding My Car Title as Cross-Collateral. – Garrett

“Dear Steve, I paid off my car with grow financial credit union in clearwater, Fl about three months ago. I have not rec’d a title and figure they are holding it as a cross collateralization clause somewhere in my paperwork. I defaulted on their cc due to the times. Can they reposses my paid up … Read more

I Could Not Afford My Credit Union Car Payment and Gave My Car Back

“Dear Steve, I took out a car loan with my credit union and i had a hardship and they were able to lower my loan. However it was not lowered enough to satify my ability to afford the monthly payments. Therefore I contact the credit union for further help and they were unable to further … Read more

Traded in Car But Credit Union Won’t Give Me My Title Due to Old Credit Card Debt. – Don

“Dear Steve, Credit Union who won’t release title of a car because of a credit card that charged off. Thank you for taking questions. My situation is a complicated one. I traded my car in and the dealership called the CU to get the payoff. They gave them the payoff in which they received the … Read more

Can My Credit Union Repossess My Car If I’m Late On Another Loan? – Colette

“Dear Steve, I have a personal loan ( which is 3 months past due) and an auto loan , which is current, with the same credit union. Thay are now saying that the personal (signature) loan is cross-collateralized, and the want to repossess the car. I don’t remember agreeing to cross-collateralization – the loan was … Read more

Credit Unions and Debt Settlement. Will My Credit Union Work With Me? – Tim

“Dear Damon, I had a car repossessed and the balance after auction is $13,100 Its with A credit Union in IL, I also have a 10,000 credit card with same credit union.. I want to use debt settlement, but heard credit unions are impossible to deal with.. I am recently divorced and was layed off … Read more

Car Title Being Held by Credit Union Even Though It is Paid Off. – Nicole

“Dear Steve, I am having an issue with a current creditor. I recently paid off my vehicle through my credit union. It has been a month and i called them asking about my title to the car. I have not received it yet. I was told they are holding it as I am one month … Read more

We Made Some Mistakes, Drained Our Savings, and Sinking Fast. – Mel

“Dear Steve, Hi Steve, we are sinking. We have about $54,000 in credit card and personal loan debt as follows: Capital One $14K Discover $14K Bank of America $11K (I call these the Big 3) Credit Union Visa $10K Credit Union Line of Credit $4K Monthly minimums total $1700. The credit union accounts are cross-collateralized … Read more