Turning in Snap-on box?

[redwrench60]

Sadly, many of you insist on tarring and feathering the OP on his financial decisions even though he has publicly admitted he made bad decisions and took responsibility for them and is simply trying to find the best way to square up the debt and move forward.

Yes, Snap On's credit contract, which was written by lawyers who probably know more than "dudes on the interwebs" clearly states the box and or tools purchased are the collateral in the loan and can be repossessed in the event of default. No, boxes aren't titled but are serial numbered for I.D. even though it's just on a sticker that could be removed from the back. (there's also a secret S/N sticker location, extra points if you know where it is)

Let's face it, they aren't going to move heaven and earth to repo a box, but dealers will repo it if they can find it because Snap On bills a percentage of the defaulted account back to the dealer as incentive to collect either the $$$ or the box back. I'm sure laws vary some state to state but in over 20 years as a Mechanic I've seen a few boxes repo'd, some voluntarily, some not. Call the cops if you like, they'll just side with the dealer with the contract in his hand. I do think however, it is ******** that boxes with tools inside that weren't part of the loan and are completely paid for also getting repo'd along with the box. That just *****.

 

[kythri]

Fantasy. Cops aren't going to involve themselves on behalf of a Snap-on dealer unless the thing has gone to court.

Cops don't interpret contract agreements, cops read court orders.

If a Snap-on dealer calls the cops to say "This guy isn't paying his bill, come help me take his box!" then he/she is going to be politely told to pound sand, as it's a civil matter, not a criminal matter.

Cops don't get involved in civil matters. Cops get involved AFTER the courts get involved in a civil matter, and make an order. Refusing to obey that order becomes a criminal matter, and that's when cops get involved.

Good grief.

I do think however, it is ******** that boxes with tools inside that weren't part of the loan and are completely paid for also getting repo'd along with the box. That just *****.

Yes, because this is theft. Pure and simple.

 

[redwrench60]

You're correct when you say Police don't interpret contracts or involve themselves in dealer issues, but if they have to show up to a shop to break up a fight over a toolbox repo, whom do you think they will side with at that moment? The dealer with a signed contract in his hand or the person who signed that paper and won't pay his bill?

 

[Strouty]

So I can't scan the document and the picture *****.

Basically you sign with snap on credit and you give them permission to repossess the tool box, but it goes even further than that, it clearly states that they can repo anything that is branded snap on that you have purchased before or after the contract. They say they will sell everything and if you have a positive balance after paying all the fees associated with it then you will receive cash back.

The only reason I use the financing is when they offer incentives and 90 or 180 days same as cash terms.

They charge a crazy amount of interest, but they tell you up front how much it will be. It is also spelled out very clearly on the first page of the contract.

As an example mine said 24.90 % Financed $5,550 of $14,727.80 and payments would be $56.93 a week for 130 weeks. Finance charges would total $1900.90.

The only thing I don't like is they charge interest from day one, then you either have the driver call in and get your payoff amount or they mail you a check for the interest you previously paid. It was nice to use their money for 90 days and I also got $1,000 discount for writing the contract.

 

[kythri]

You're correct when you say Police don't interpret contracts or involve themselves in dealer issues, but if they have to show up to a shop to break up a fight over a toolbox repo, whom do you think they will side with at that moment? The dealer with a signed contract in his hand or the person who signed that paper and won't pay his bill?

First, they're not going to officially "side" with anyone, however, effectively, they're going to side with the person that has the box in their possession - i.e. the buyer.

They are most certainly not going to let the dealer take the box/tools/whatever, and most likely, they're going to cite the dealer for assault, because the dealer should have walked away when told to pound sand by the buyer.

It's not up to the cop to decide who's telling the truth. It's up to the cop to keep the peace and maintain the status quo, unless ordered (by a court) to do otherwise.

In this particular situation, contract, schmontract. Means squat.

 

[kythri]

So I can't scan the document and the picture *****.

Basically you sign with snap on credit and you give them permission to repossess the tool box, but it goes even further than that, it clearly states that they can repo anything that is branded snap on that you have purchased before or after the contract. They say they will sell everything and if you have a positive balance after paying all the fees associated with it then you will receive cash back.

And that will certainly cover their **** when they take the buyer to court to recover money/assets.

What does the contract say about right of entry to private property for purposes of recovery?

 

[redwrench60]

First, they're not going to officially "side" with anyone, however, effectively, they're going to side with the person that has the box in their possession - i.e. the buyer.

They are most certainly not going to let the dealer take the box/tools/whatever, and most likely, they're going to cite the dealer for assault, because the dealer should have walked away when told to pound sand by the buyer.

It's not up to the cop to decide who's telling the truth. It's up to the cop to keep the peace and maintain the status quo, unless ordered (by a court) to do otherwise.

In this particular situation, contract, schmontract. Means squat.

How many Snap On tool box repo's have you personally witnessed? I can recollect at least 3 in memory that stand out over 20 years and they went nothing like you say.

 

[Lookin4'67Galaxieconv]

Could say the same thing about many of the vehicles on the road. At least the tool box wont be a pile of rust ready for the crusher in 10-15 years

Exactly! How many people here that ***** about Snap On's tool box prices think nothing about spending 40-50K on a new pickup, Denali, Yukon, etc?

Even vehicles that hold their value best are barely worth 50% of the purchase price after three years.

 

[Strouty]

Most instances there is no private property. If the contract holder had sold the box and told Snap On who they sold it to, Snap On would get the lawyer to get a court to issue the proper paperwork to retrieve the box with the help of police.

Most Snap On boxes are at a place of business and the owner would most likely allow Snap On to enter the premises legally.

 

[kythri]

How many Snap On tool box repo's have you personally witnessed? I can recollect at least 3 in memory that stand out over 20 years and they went nothing like you say.

I've personally witnessed 3 attempted repossessions. There's also a number of attempted repossessions documented on YouTube, if you're curious.

They all end the same - until a situation has been adjudicated, the dealer has no legal right to enter a property and take anything.

If you've seen a toolbox taken by a dealer, it may have started as an involuntary repossession, it may have escalated to an altercation and police contact, but, at the end of the situation, you witnessed a voluntary repossession because the buyer decided to give up - or, alternatively, you witnessed the law being broken and incompetent law enforcement complicit in the illegal act.

 

[kythri]

Most instances there is no private property. If the contract holder had sold the box and told Snap On who they sold it to, Snap On would get the lawyer to get a court to issue the proper paperwork to retrieve the box with the help of police.

Most Snap On boxes are at a place of business and the owner would most likely allow Snap On to enter the premises legally.

No court is going to issue an order to take the box from a 3rd-party not involved in the contract, because the box isn't a titled piece of property. The box is gone, Snap-on can only attempt to recover the debt at that point, from the person who signed the contract.

This isn't "stolen property" - it's a default on a credit agreement.

But, ultimately, regarding private property, there's always private property. The owner, by allowing Snap-on to enter his/her the private property gets over that little hurdle - but, the owner, regardless of ownership of the private property, doesn't have the right to turn over the employee's box/tools/other personal property.

Just because they do it, and just because a lot of buyers let it happen, doesn't make it legal, and doesn't mean Snap-on had the right to do this in the first place.

 

[bigredmf]

OP needs to remove the box from the old shop if it is still there.

It needs to be in your possession, if needed call a flatbed tomorrow first thing

Red


Sent from my iPad using Tapatalk

 

[DSLTRK]

At least it's an actual facepalm.

Still, it's a pitiful recourse for one with an invalid argument.

Let me guess - there's nothing in your credit agreement about right of entry to recover personal property? Funny about that, huh?

Still waiting for the "dog" in this argument. OP where are you? INFO, we need INFO.

 

[Strouty]

Also I would love to see your face if the police showed up to your door with a previous owner of anything you bought used. It is considered receiving stolen property and you will lose the item and your money regardless of what you "knew" when you bought it.

 

[Coach James]

OP, beyond suggesting you call Snap On and talking to them, I have nothing to add. I'm not a lawyer, never bought from SnapOn, etc. I have been in a couple tough credit/loan situations in my life and both times called the companies and talked to them. We worked it out, debt was paid to both parties satisfaction and my credit was undamaged. Also, my stress level went way down.


Good luck.

Coach

 

[Ryan]

Hey fellas. If you insist on acting like school girls, I'm going to close your account. Don't care how long you've been here or how many posts you have. It's going to happen.

I have no interest in hosting drama. Last warning.