I have a vehicle financed from 2015 until February 2020, when it was repossessed. The company is now trying to collect

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Customer: Hello,
JA: Hello. How can I help?
Customer: I have a vehicle financed from 2015 until February 2020, when it was repossessed. The company is now trying to collect the balance oweing from me, and telling me that seize or sue does not apply to their contracts. I want to make sure that the contract does fall under provincial seize or sue laws..
JA: What state are you in? It matters because laws vary by location.
Customer: I'm in the province of Alberta, in Canada
JA: What steps have you taken so far?
Customer: I've researched the law on my own, and I've argued with probably a hundred of their reps
JA: Anything else you want the Lawyer to know before I connect you?
Customer: The contract is not a lease and it's not under a commercial purchase
Answered by Debra in 53 mins 2 years ago
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Debra
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Expert in: Family Law, Legal, Estate Law, Real Estate Law, Criminal Law, Employment Law, Business Law, Consumer Protection Law, Bankruptcy Law, Traffic Law, Personal Injury Law.

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Debra
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166198 Satisfied customers
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10+ years of experience
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Debra
10+ years of experience
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166198 Satisfied customers

Jessica

Jessica

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31,131 Satisfied customers

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Debra, Expert

Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.

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Debra, Expert

I am sorry to hear of this difficult situation.

Was this a conditional sales contract?

Customer
Hi Debra,
Yes, according to the criteria I found online it is a conditional sales contract. Rifco is trying to tell me it's not, but when I asked them to send me the information that says its not a conditional sales contract, they couldn't.
Customer
It falls under the exact description of a conditional sales agreement.
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Debra, Expert

As you know if it's a conditional sales contract then the seize or sue law definitely applies and if they seize your car they cannot se you.

So you can tell them you are happy to have a court decide as you have reviewed the contract and it is a conditional sales contract and that is the one time in Alberta where the seize or sue law definitely applies.

Does that help?

Please feel free to post back with any follow-up questions you may have. If you don't have any then I hope I have earned a 5 star rating but if you don't feel that I have please don't hesitate to reply back and let me know what more I can do to assist you. Finally, please know that even after you rate me I will be here for you and you can ask follow-up questions if you think of them later on at no further charge of course.

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Debra, Expert

Is there anything more I can help you with at this point in time?

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