As long as you continue to make payments on the car loan, the bank can’t repossess your car because it wasn’t explicitly named as collateral for the personal loan.

What happens if a mechanic is misdiagnosed?

In California, for example, state laws do not specifically say that a motorist is entitled to a refund if a faulty diagnosis leads to an unnecessary repair. Experts in the area of dispute resolution argue that in most cases, a mechanic should make an adjustment if a repair was based on a faulty diagnosis.

Can you make payments on a deficiency balance?

When a deficiency balance is owed, the lender can take certain steps (including legal action) to claim the remaining debt. You may be asked to pay your deficiency balance in a lump sum, but if you don’t have the money, you can try working with the lender and come up with an affordable repayment option.

Can you sue a mechanic for misdiagnosis?

Although you can ask the mechanic to repair the damage without charging you, most likely the mechanic will deny liability. Therefore, your recourse is to sue the mechanic for negligence.

What can I do if mechanic takes too long?

When you find out the repair is going to take longer than expected, talk with the mechanic and ask why the delay has occurred and when you can reasonably expect the car to be done. Stay calm, polite and friendly and expect the same in return.

How do you settle a deficiency balance?

In your letter offer to settle the deficiency balance for 20 percent of the balance. Continue negotiating through letters if the creditor balks at your initial offer, or call the lender if you’re comfortable negotiating over the phone. Increase your offer once a month until you have a deal.

What happens if I never pay a repossessed car?

If you stop paying, the lender can reclaim the property. It may choose to sue and get a judgment against you, but it’s not required as long as the repossession is peaceful.

Can I sue my mechanic for taking too long?

You would have to go to Small Claims or District Court, depending on the amount of money sued for. You will probably need another mechanic to look at the car and tell you how much it is going to cost to finish it.

How long is too long for a car to be in the shop?

If the mechanic is keeping your car too long, it probably means that your vehicle has problems that make it a lemon car. The lemon law states that if your car is in the shop for more than 30 days cumulatively, it is considered a lemon car.