I’m in a tough spot with my car financing. I got my car through a buy here, pay here lot. They repo’d it due to a mix-up with my insurance payment. I got it back, but now they’re asking for extra money.
When I redeemed the car, we set a payment date for March 28, 2025. But two weeks later, they tried to charge me early. They say I need to pay for the missed payment plus the current one.
I’m not sure what to do. Should I just pay the single payment we agreed on when I got the car back? Or should I give in and pay both the missed and current payment?
This whole situation is giving me a headache. I can’t wait to pay off this car and be done with their confusing finance department. Any advice would be really helpful.
Man, buy here pay here places can be such a hassle. Been there, done that.
Sounds like they’re trying to pull a fast one on you. If you set a payment date when you got the car back, that should be the deal. Them trying to charge you early doesn’t sit right.
Thing is, these places know they’re often the last resort for folks, so they can be pretty pushy. You might wanna double-check that agreement you made when you redeemed the car. If it’s in writing, that’s your best bet to stand your ground.
But here’s the thing - sometimes it’s just not worth the fight. If you can swing it without breaking the bank, paying both might save you more headaches down the line. These places can be real sticklers and might mess with your credit if you push back too hard.
Either way, document everything. Every call, every agreement. Might come in handy if things get messier. And yeah, I feel you on wanting to be done with their finance department. Hang in there, mate. Car’ll be yours free and clear eventually.
BHPH lots are notorious for these kinds of issues. Here’s the deal: that March 2025 date is likely your loan maturity, not your next payment. After a repo, they usually want you to catch up immediately.
Check your redemption paperwork carefully. If it explicitly states your next payment date, you’ve got a case. If not, you’re probably on the hook for both payments.
These places often use confusing tactics to squeeze extra cash out of borrowers. They know most of their customers have limited options.
Your best move? If you can afford it, pay both to avoid further issues. If not, request a detailed payment history and explanation in writing. Be firm but professional.
Going forward, set up auto-pay if possible to avoid mix-ups. And start shopping for refinancing options as soon as your credit allows. Getting out from under a BHPH loan can save you thousands in the long run.
Oof, buy here pay here lots can be a real minefield sometimes. 
The auto finance landscape has been shifting lately, with lenders tightening up their policies across the board. Your situation sounds pretty messy - insurance mix-ups leading to repos are more common than you’d think.
From what you’re describing, it seems like there might be some miscommunication between their repo and finance departments. That March 2025 date sounds like it could be the loan maturity date rather than your next payment due date. It’s not uncommon for lenders to require catch-up payments after a repo, even if it was their mistake.
Have you checked your original loan agreement? It should spell out the repossession terms and any fees. If you’re able to, might be worth getting everything in writing from them about the current payment expectations.
These situations are tricky because you want to protect your credit, but you also don’t want to get taken advantage of. If you can swing it financially, sometimes it’s easier to just make the payments to avoid further headaches. But if it’s going to put you in a tight spot, it might be worth pushing back politely and asking for clarification on the terms.
Remember, the used car financing market is pretty volatile right now. Some lenders are getting more aggressive with collections to offset rising defaults. Hang in there!