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Is a finance company for a buy here pay here car lot allowed to go to a neighbor's house to discuss account |
I live in ohio and bought a car at a buy here, pay here car lot(a finance company owns them).My wife was out of work for over 3 months this summer and and finally got a job at the end of august.My landlord told my wife the other day that this company called and asked if we paid our rent on time,she told them yes,and got smart with her and asked how she gets us to pay.The landlord also is friends with a neighbor that lives across the street from us and was told by our neighbor that a collector from this company was at her house discussing our account.Can anyone tell us if this is legal ? Are you saying that you have been late on your payments? Depending on the documents you signed, in most cases a creditor has the legal right to use reasonable means to collect on a legal debt, or to obtain information that can be used to collect on a legal debt. The car lot's remark to the landlord can be interepreted in different ways, and it is debatable as to whether or not such a remark is injurious to you. The contact with the neighbor might be illegal if the company revealed personal information about you. For example, if the company said that you were a deadbeat and were not making payments for a car you purchased, then that is probably beyond the bounds of what is legally acceptable. However, if the questions were more generalized, such as asking the neighbor if he or she knew you and your wife, prefacing it that the neighbor was listed as a personal reference, such questioning is probably acceptable. It all depends on what was asked, and what personal information was revealed. sounds illegal and unethical to me. call the attorney general and the better business bureau. I wouldnt think this is legal call an atty and ask them if not illegal, it should be. Sounds like they are pretty sketchy...bad business to do that type of thing. I'd give the BBB a call and report it anyway. They are "allowed" to ask if you pay your other accounts on time (that's what the credit agencies do, right?), but they are not "allowed" to talk to your neighbors about your finances. It would depend on exactly what they said to your neighbor. Also, did you use this neighbor as a reference, if so, they are allowed to collect information such as what kind of a person you are. |
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