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(Daily Mail)   Repo man towing your 'prized' Cadillac Escalade? That's a tire iron to the windows, a mess in the driveway and one sore bite mark   (dailymail.co.uk) divider line 83
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6625 clicks; posted to Main » on 25 Jul 2014 at 6:00 AM (17 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2014-07-25 12:01:01 AM  
Lets get some.sushi but not pay for it.
 
2014-07-25 12:25:33 AM  
the worst parts is those SOBs took her Obama phone too
 
2014-07-25 12:35:53 AM  
Debt is bad and all、but repo men are basically thieves and gangsters who discovered the rare chance to go legit without actually changing careers.

If you have bad debts, and you don't want to return anything, get creative huh? Don't just hang around, and don't pick a fight, because that's christmas for repo people.
 
2014-07-25 12:58:09 AM  

doglover: Debt is bad and all、but repo men are basically thieves and gangsters who discovered the rare chance to go legit without actually changing careers.

If you have bad debts, and you don't want to return anything, get creative huh? Don't just hang around, and don't pick a fight, because that's christmas for repo people.


Debt isn't bad, but not paying your debts is.  According to TFA the vehicle was repossessed by a title loan company, so she either borrowed money against it and failed to repay it, in which case he was just recovering the collateral per the terms of the agreement, or she bought it from the title loan company and financed it through them because she'd already screwed over every reputable lending institution.

Reputable banks don't want to repossess vehicles - it's an added cost and the vehicle usually comes back in less than optimal condition.  They'd much rather work with you to get your payments made on time.  Once you've screwed yourself into only being able to work with buy-her-pay-here lots, title loan operations, and other sharks, they're going to be a lot less forgiving if get behind.  They know that the only reason you're going to them is because you've proven that you don't take your debts seriously, so you aren't going to get any slack.
 
2014-07-25 01:18:04 AM  

TuteTibiImperes: Debt isn't bad, but not paying your debts is


Not always. Life happens.

General rule of thumb, though, is that if you are going to be a deadbeat be a good one. Everyone loves Grunkle Stan.
 
2014-07-25 02:18:45 AM  
People with crap credit who buy Escalades are a very predictable demographic. He should've seen it coming.
 
2014-07-25 04:42:56 AM  
Luis?

i.imgur.com

/DNRTFA
 
2014-07-25 06:07:15 AM  
The trick, if expecting a repo, is to figure out a means of placing a small oil lamp in such a way that the tow truck will knock it over. A pyrrhic victory, maybe, but it'll fark up his night as well.
 
2014-07-25 06:10:29 AM  
The auto title loan company is now planning to seek civil damages against Ms Smith.
It told ABC News that it isn't the first time she's had an altercation during a repossession and two similar scenes kicked-off in 2011 and 2012.


It might just be time to throw the coont in prison for awhile. It is definitely time to stop loaning her money.
 
2014-07-25 06:13:57 AM  
"The auto title loan company is now planning to seek civil damages against Ms Smith.
It told ABC News that it isn't the first time she's had an altercation during a repossession and two similar scenes kicked-off in 2011 and 2012."

Ugh. This story is full of assholes.
 
2014-07-25 06:14:03 AM  
Is Tiger back with his wife or something?
 
2014-07-25 06:18:07 AM  

mikaloyd: The auto title loan company is now planning to seek civil damages against Ms Smith.
It told ABC News that it isn't the first time she's had an altercation during a repossession and two similar scenes kicked-off in 2011 and 2012.

It might just be time to throw the coont in prison for awhile. It is definitely time to stop loaning her money.


Yeah this basically implies that they knew she was an issue prior to lending her money and more importantly prior to sending this guy out to repo her vehicle.  I hope he sues them for endangering him.  As bad as she is I just plain can't feel much sympathy for the title loan outfit. That fact that they gave someone who is known for not paying her debts enough of a loan to buy a Cadillac Escalade (even used) says everything you need to know about their predatory business practices.  fark them too.  The only person worth any real compassion in this story is the farking repo guy and that says an awful lot about everyone else involved.
 
2014-07-25 06:23:53 AM  
Egoy3k good point. The title loan company had to be dumb as rocks to loan a proven deadbeat $$ to buy an Escalade
 
2014-07-25 06:24:16 AM  
That was INTENSE!
 
2014-07-25 06:30:28 AM  
Looks like Opie was right after all!

/Window seat, no sulfur fumes section, please.
 
2014-07-25 06:31:32 AM  

ecmoRandomNumbers: People with crap credit who buy Escalades are a very predictable demographic. He should've seen it coming.


I'm pretty sure he did see it coming and that's why there was a cop standing there the whole time.
 
2014-07-25 06:35:55 AM  
Is  sheblack?  I'd bet my next 3 paychecks on it.
 
2014-07-25 06:36:18 AM  
She'll just get another one and not pay for it until it gets repossessed.  Repeat ad infinitum.
 
2014-07-25 06:41:07 AM  
"I gotta say, I was funny as s---! It was funny as h---," Smith said. "I mean like- it's me! Miss Kee4Es. You never know what to expect from me."

"I really just wanted to show my a-- anyway-get it off my chest," Smith said. "When I saw him, I just really went ludicrous for the h--- of it, because I knew then that I didn't want the car."

whns.images.worldnow.com
What happens after jail?

fbcdn-sphotos-b-a.akamaihd.net
sotomayortv.com

'Murica!
 
2014-07-25 06:47:06 AM  

70Ford: "I gotta say, I was funny as s---! It was funny as h---," Smith said. "I mean like- it's me! Miss Kee4Es. You never know what to expect from me."

"I really just wanted to show my a-- anyway-get it off my chest," Smith said. "When I saw him, I just really went ludicrous for the h--- of it, because I knew then that I didn't want the car."
[whns.images.worldnow.com image 640x360]
What happens after jail?

[fbcdn-sphotos-b-a.akamaihd.net image 850x637]
[sotomayortv.com image 572x326]

'Murica!


Wow when prison garb looks 'better' on you than what you choose to wear out of the house willingly you might want to consider buying some more flattering clothing.
 
2014-07-25 06:53:18 AM  
Looks like Lakeisha Smith may become a FARK regular headline if she doesnt change her way of doing things. Which is cool im kinda tired of gold paint face guy.
 
2014-07-25 06:58:45 AM  

wildcardjack: The trick, if expecting a repo, is to figure out a means of placing a small oil lamp in such a way that the tow truck will knock it over. A pyrrhic victory, maybe, but it'll fark up his night as well.


1.bp.blogspot.com

markosun.files.wordpress.com

www.mikechurch.com
 
2014-07-25 07:01:23 AM  
img.fark.net
A repo man spends his life getting into tense situations.
 
2014-07-25 07:06:35 AM  

Egoy3k: mikaloyd: The auto title loan company is now planning to seek civil damages against Ms Smith.
It told ABC News that it isn't the first time she's had an altercation during a repossession and two similar scenes kicked-off in 2011 and 2012.

It might just be time to throw the coont in prison for awhile. It is definitely time to stop loaning her money.

Yeah this basically implies that they knew she was an issue prior to lending her money and more importantly prior to sending this guy out to repo her vehicle.  I hope he sues them for endangering him.  As bad as she is I just plain can't feel much sympathy for the title loan outfit. That fact that they gave someone who is known for not paying her debts enough of a loan to buy a Cadillac Escalade (even used) says everything you need to know about their predatory business practices.  fark them too.  The only person worth any real compassion in this story is the farking repo guy and that says an awful lot about everyone else involved.


The cop too, he didn't deserve to have to witness that crap. Oh, and us too, I just woke up and this was in my news feed!
 
2014-07-25 07:12:18 AM  

ecmoRandomNumbers: People with crap credit who buy Escalades are a very predictable demographic. He should've seen it coming.


I sold cars at a buy-here-pay-here lot for six years, and that is so very true. And believe me, I tried to put people like that in cars they can afford to pay for, but their thought process is, since they are getting in on the payment plan, why not go for broke? That's how come you see CNAs who make 10-13 an hour driving Escalades, Expeditions, Tahoes, and the like. For a few months, until they manage to screw up. I had one punt a payment just so he could buy rims. The dude was seriously pissed that when it was repoed, he wasn't able to get them back.
 
2014-07-25 07:31:43 AM  
Title Loan companies.  Worse than  Payday loan places.  Or maybe the same.  Either way, they deal with the dregs of society, and are plenty happy to keep them the dregs of society.

Title Loan companies entire business plan is to eventually get the vehicle.

Escalade at a title loan company?  Saw her coming a mile off and started wringing their hands.

Oh, and the dregs of society typically do things like bite, fight, and such, under such circumstances.
 
2014-07-25 07:34:58 AM  
I submitted this esrlier this week from WYFF's website.No greenlight...foreveveralone.jpg..
Oh,the last time,she came running out of the house wearing only a towel.The wheels were from some Rent-A-Rim place,too.
 
2014-07-25 07:55:53 AM  
www.wrestlecrap.com
 
2014-07-25 07:56:36 AM  

RVanZant: I submitted this esrlier this week from WYFF's website.No greenlight...foreveveralone.jpg..
Oh,the last time,she came running out of the house wearing only a towel.The wheels were from some Rent-A-Rim place,too.


There are buy-her-pay-here rims places too?!
 
2014-07-25 08:06:46 AM  
What do these scumbag loan services do with their bad debts? Are they insured? Do they just sell them as packages to the equally vile collection industry, and take what they can get? I guess what I'm really asking is, do the taxpayers end up on the hook for/funding these vulturous, taint-licking, loan sharks?
 
2014-07-25 08:08:55 AM  
They see me rollin',they hatin'.

http://ezrims4rent.com/home/rentem/
 
2014-07-25 08:15:52 AM  

mutterfark: What do these scumbag loan services do with their bad debts? Are they insured? Do they just sell them as packages to the equally vile collection industry, and take what they can get? I guess what I'm really asking is, do the taxpayers end up on the hook for/funding these vulturous, taint-licking, loan sharks?


The way most of them operate is to buy very cheap used cars (this was a roughly 10 year old Escalade, probably with well over 100K on the odometer, they probably picked it up for well under $10,000) require a down payment from their customers that pays off a good chunk of the car, and then require the payments weekly or bi-weekly, with the goal to get out from under the car within the first several months.  After that it's pure profit.

It's not uncommon for them to place GPS trackers on the vehicles so that they always know where they are and for them to send out the repo agency if the buyer falls just one payment behind.  They pay the repo guy a flat fee for hooking the car, then they clean the car up, put it back on the lot, and repeat the process.

It's not uncommon for them to sell the same car half a dozen times - they get a few grand cash up front, get payments for a few months, repo the car when they fall behind, wash and repeat.
 
2014-07-25 08:25:43 AM  

mutterfark: What do these scumbag loan services do with their bad debts? Are they insured? Do they just sell them as packages to the equally vile collection industry, and take what they can get? I guess what I'm really asking is, do the taxpayers end up on the hook for/funding these vulturous, taint-licking, loan sharks?


Generally they don't lose money on a deal, they get their initial stock of vehicles by loaning money to people who are at the end of their rope and whose only asset may be the car, they wait until the person defaults, seize the car, then turn around and resell it on a payment plan to some other down on their luck schlub then rinse and repeat. Their whole business plan revolves around people NOT paying their debts so they can resell the vehicle multiple times, damage like in TFA is just an annoyance they will have a cut rate body shop do a quick repair and the vehicle will be back on the lot for sale in a week
 
2014-07-25 08:30:04 AM  
If you can't afford the loan terms, don't sign off on it.  Simple as that.
 
2014-07-25 08:32:54 AM  
...Yet ANOTHER reason why we need a South Carolina tag.....
 
2014-07-25 08:49:45 AM  
TuteTibiImperes:

Pribar:


So predatory, despicable, and requiring a certain moral flexibility, but legal? Scamming the ignorant, the desperate, and the gullible(and the violently entertaining) has always been profitable, I suppose.

In a three way battle to generate least sympathy from the Internets... Will it  be the repo man, the loan sharking car company, or the mentally deranged and fiscally psychotic Gordon Freeman wannabe... WHO WILL WIN!!!!
 
2014-07-25 08:50:41 AM  
Yep, these title loan companies and payday loan companies are horrible.  They are predatory lending at its worst.  I really do believe there needs to be legislation to outlaw practices like these companies promote.  Many charge interest rates well over 300 to 500%.  They take people who are in dire financial situations and take complete advantage of them.  It is a cycle of abuse that is very difficult to get out of after you get in.  People that have "loans" through these places have a very difficult time ever getting out.

Vinny the loanshark is actually a better business citizen than these people. Vinny blushes when he sees how they do their business. I honestly don't know how people who do business like this can sleep at night.
 
2014-07-25 08:54:58 AM  

TuteTibiImperes: doglover: Debt is bad and all、but repo men are basically thieves and gangsters who discovered the rare chance to go legit without actually changing careers.

If you have bad debts, and you don't want to return anything, get creative huh? Don't just hang around, and don't pick a fight, because that's christmas for repo people.

Debt isn't bad, but not paying your debts is.  According to TFA the vehicle was repossessed by a title loan company, so she either borrowed money against it and failed to repay it, in which case he was just recovering the collateral per the terms of the agreement, or she bought it from the title loan company and financed it through them because she'd already screwed over every reputable lending institution.

Reputable banks don't want to repossess vehicles - it's an added cost and the vehicle usually comes back in less than optimal condition.  They'd much rather work with you to get your payments made on time.  Once you've screwed yourself into only being able to work with buy-her-pay-here lots, title loan operations, and other sharks, they're going to be a lot less forgiving if get behind.  They know that the only reason you're going to them is because you've proven that you don't take your debts seriously, so you aren't going to get any slack.


I sure consider debt to be bad, as I just ended a several years stretch of living below my means trying to catch up.  I don't plan on doing that again.  I do agree, don't blame the repo man.  I will go along with blaming whoever gave her this third chance to get repossessed, since she should be shot on sight the next time she wonders near a car lot.  The small used car lots who finance anyone who can pretend to sign their name are the worst.  We have one with the motto, "It don't matter!"  It matters when you get that car back with no windows or wheels.

/My trucks are over 10 years old, but are paid for and run good.
 
2014-07-25 08:58:23 AM  

GDubDub: Title Loan companies.  Worse than  Payday loan places.  Or maybe the same.  Either way, they deal with the dregs of society, and are plenty happy to keep them the dregs of society.

Title Loan companies entire business plan is to eventually get the vehicle.

Escalade at a title loan company?  Saw her coming a mile off and started wringing their hands.

Oh, and the dregs of society typically do things like bite, fight, and such whatnot, under such circumstances.


/fiddit it fo' ya
 
2014-07-25 09:12:51 AM  

GDubDub: RVanZant: I submitted this esrlier this week from WYFF's website.No greenlight...foreveveralone.jpg..
Oh,the last time,she came running out of the house wearing only a towel.The wheels were from some Rent-A-Rim place,too.

There are buy-her-pay-here rims places too?!


Yes, there are also buy here pay here tire places.

http://jalopnik.com/broke-ass-americans-are-getting-screwed-on-renta l- tires-512270536
 
2014-07-25 09:22:05 AM  

mikaloyd: if she doesnt change her way of doing things


Chances of her changing much more than her underwear are slim to none.
 
2014-07-25 09:22:40 AM  
So the person they repossess from is now called a "client"? Weird.
 
2014-07-25 09:24:05 AM  

mutterfark: TuteTibiImperes:

Pribar:

So predatory, despicable, and requiring a certain moral flexibility, but legal? Scamming the ignorant, the desperate, and the gullible(and the violently entertaining) has always been profitable, I suppose.

In a three way battle to generate least sympathy from the Internets... Will it  be the repo man, the loan sharking car company, or the mentally deranged and fiscally psychotic Gordon Freeman wannabe... WHO WILL WIN!!!!


If you've already had a repo or two to the point where no reputable car lot will touch you, leaving your only option a BHPH, I personally don't consider that to be "predatory", I consider that to be the sum total of your dumbass decisions.

Big car lots will extend credit to damn near everybody.  Yes, some of the interest rates are high (my fiance is paying 22% for now, working on getting that loan refinanced down), but the bottom line is you're able to get a decent, newer used car for the same price or cheaper than you can get a shiatty, mid-to-early 2000's car at a BHPH.
 
2014-07-25 09:35:06 AM  
Made a local celebrity for chimping out after going deadbeat on yet another loan past her entitled welfare beggar income.

America gets sicker by the day.
 
2014-07-25 09:37:39 AM  

mutterfark: TuteTibiImperes:

Pribar:

So predatory, despicable, and requiring a certain moral flexibility, but legal? Scamming the ignorant, the desperate, and the gullible(and the violently entertaining) has always been profitable, I suppose.

In a three way battle to generate least sympathy from the Internets... Will it  be the repo man, the loan sharking car company, or the mentally deranged and fiscally psychotic Gordon Freeman wannabe... WHO WILL WIN!!!!


There are some that are more ethical than others, but their entire business model revolves around dealing with very high risk customers, so there's only so much leeway any of them are willing to give.  For the ones who try to actually help the people who buy from them the kiss of death is when a customer either cuts of communication ornstarts to miss deadlines for an altered payment plan.

These places do serve a necessary function in that they provide transportation to the people that traditional lenders want nothing to do with.  The customer base isn't your typical sub-prime borrower, it's the people who have farked every single institution that has ever leant them money.  We're talking multiple accounts sent to collections, multiple repos, late and/or in default on every account they have, etc.

If you've hit a rough patch but are generally responsible with your money there are legitimate lenders who will give you a loan.  The interest rate may be higher than average, but it won't be usurious.  These places aren't for people like that.   They're for those for whom it isn't a question of if they're going to default on the loan, but when.
 
2014-07-25 09:47:50 AM  

State_College_Arsonist: If you can't afford the loan terms, don't sign off on it.  Simple as that.


Oversimplification of the world is done by the same simpletons who sign loans they cannot afford.

These folks are absolutely in the wrong, but so are the predators who feed off of the ignorant and stupid. We have the unethical stealing from the stupid, doing it legally, and the whole mess resulting in more costs to the taxpayer (from cops showing up more to the poor people nedding even more assistance after getting sucked dry).

There is a public interest in getting rid of this cycle even if you cannot get your mind past 'hurr they signed a contract they ought not have, screw em'.
 
2014-07-25 09:54:48 AM  

Comic Book Guy: If you've already had a repo or two to the point where no reputable car lot will touch you, leaving your only option a BHPH, I personally don't consider that to be "predatory", I consider that to be the sum total of your dumbass decisions.


A BHPH is not this woman's "only option."
 
2014-07-25 09:55:15 AM  
Wimp.  People used to shoot at repo men. My dad used to be one in the 60s.  They deliberately fired warning shots because he was friendly.
 
2014-07-25 10:09:41 AM  
I thought this sort of shiat was the reason most repo men pack heat.
 
2014-07-25 10:13:56 AM  

myrrh: I thought this sort of shiat was the reason most repo men pack heat.


I assume many of them, especially the cut rate, have felony records themselves.
 
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