Somebody please explain to my how you can lose your automobile to an Auto Club? My car was repossessed on May 19th, 2011. When I contacted VIP Finance a email on Friday, May 20th, 2011 after several calls not returned on Thursday, May 19, 2011. Sent: Friday, May 20, 2011 5:00 PM > To: > Cc: > Subject: Pamela Jackson Repossession of 2004 Chrysler Crossfire > To Jake/Monica & VIP Finance, > > Please advise… > 1. What city did you file the repossession? > 2. Under what rules and regulations did you have to repossess my car? > > Thank you, > Pamela Jackson > — On Fri, 5/20/11, jake wrote: > From: jake The car was repossessed because you were behind $450.00 on your Auto Club. Your payments were $75 a week. So that means you were 6 weeks behind. You also signed a contract that said if you fell behind we had the right to take the automobile back. If you have lost/misplaced your contracts, I will be happy to make another copy for you. I have read the TRANSPORTATION CODE TITLE 7. VEHICLES AND TRAFFIC SUBTITLE J. MISCELLANEOUS PROVISIONS CHAPTER 722. AUTOMOBILE CLUB SERVICES over and over several times and honestly feel that VIP is not acting as an automobile club; which is a violation per the Secretary of State. I’m no lawyer, but I believe this Auto Club that VIP is misrepresenting what an Auto Club is and is using it to rip consumers off. Per Sec. 722.002. DEFINITIONS. In this chapter: (1) “Agent” means a salesman or other individual appointed by an automobile club to sell memberships in the club to the public. (2) “Automobile club” means a person who, for consideration, promises the membership assistance in matters relating to travel, and to the operation, use, or maintenance of a motor vehicle, by supplying services such as services related to: (A) community traffic safety; (B) travel and touring; (C) theft prevention or rewards; (D) maps; (E) towing; (F) emergency road assistance; (G) bail bonds and legal fee reimbursement in the defense of traffic offenses; and (H) purchase of accidental injury and death benefits insurance coverage from an authorized insurance company. Acts 1995, 74th Leg., ch. 165, Sec. 1, eff. Sept. 1, 1995. Per Sec. 722.008. CERTIFICATE REVOCATION OR SUSPENSION. (a) After a public hearing, the secretary of state shall revoke or suspend an automobile club’s certificate of authority if the secretary determines, for good cause shown, that: (1) the club: (A) has violated this chapter; (B) is not acting as an automobile club; E) is transacting business in a fraudulent manner; or (2) an owner, officer, or manager of the club is not of good moral character. Per Sec. 722.009. SERVICE CONTRACT; MEMBERSHIP INFORMATION. (a) Each automobile club operating under this chapter shall furnish to the membership a service contract or membership card that includes the following information: (1) the club’s name; (2) the street address of the club’s home office and of its usual place of business in this state; and (3) a description of the services or benefits to which the members are entitled. Per Sec. 722.010. FILING OF INFORMATION. (a) Each automobile club shall file a certified copy of its service contract with the secretary of state. I don’t have a service contract and I believe that as a consumer I should have one and it should be the same as the certified copy presented to the SOS. (c) An automobile club shall file with the secretary of state any change to the service contract. Per Sec. 722.011. AGENT REGISTRATION. (a) An automobile club that operates in this state under an automobile club certificate of authority shall file with the secretary of state a notice of appointment of each agent not later than the 30th day after the date on which that agent is employed by the club. Agent??? I borrowed money from VIP, I did not purchase a product, I dealt with Jake the manager, I’d like to know if he’s an appointed agent. Per Sec. 722.014. CRIMINAL PENALTY. (a) A person commits an offense if the person violates this chapter.