Hello. What should my next steps be in regards to a Santander Auto Loan Repo?
Car repo’d on Tuesday 7/26/2016
Repo payment made on Wednesday 8/3 (PA gives 15 days)
?date – went to repo agent to get vehicle. Took $ 150 fee needed to get vehicle
Vehicle was already sent to auction (after I had already made the payment to Santander)
Contacted auction (1.5 hours away from where I live) and was told I could get the vehicle but I needed to to bring the tags with me to put back on the vehicle and $ 525 before I could take it
Auction told me tags and personal items had been removed from the vehicle prior to them receiving it
I contacted the repo agent and they denied taking personal items and tags
I went back and forth with Santander, the repo agent, and the auction about the personal items and tags
On 12/7 the car was sold by the auction.
I never received any notice that the car was going to be sold. I was never told when I was speaking with the auction &/or Santander that the car would be sold. And I was never contacted after it had been sold. I didn’t find out until I called on 1/3/2017
I contacted Santander and they said there was nothing they could do and they offered me a settlement for $ 2500 to cover the remaining balance owed.
This is now showing as a charge off on my credit report
So my question is what do I do now? Contact the BBB? Sue? And do I go after Santander, the repo agent, and/or the auction?
Thank you in advance for any responses