Reposesion of 2008 Dodge Charger

If you had made the payment on time, you probably would still have the
car. You have to set up your finances so you can pay your bills on
time, that is your responsibility, no matter what type of income you
rely on.

A young man's dream car bought without the wisdom (and finances)of
age. At least you drove it for roughly two months.

It is called first payment default. When you signed your contract you
said you would pay and you didn't.

My husband has worked at Chrysler for 23 years so we know what we are
talking about.

What a "Program Car"?

I had to google:

Program Cars are used cars that are resold back to car dealers. About
25% are lease returns, 70% are rental cars and the rest are cars
formally driven by factory officials. Some, ironically, are even
buybacks or lemons. Lemons can even be regarded as rejected products,
yet the manufacturers still buy them and resell them to the car
dealers with a low price.

Program cars, along with millions of previously owned vehicles, have
many hidden problems that aren't visible just at a glance.

* * *

Good to know!

This isn't odd or outrageous at all. Defaulting on the first payment
is different, at this point you'd had the car for almost 2 months and
didn't seem to be planning to pay for it. Many companies have stricter
policies for first payment default. Going forward it would be best to
prepared to make the payments as soon as buying the car, maybe
something from the prior disability check could have been set aside
for an upcoming payment.

Wow, I have never heard of a company doing that for being a few days
late (I am sure some do).

Do you let them know it might be a few days late. I have had to be
late once on my car payment (just a week past the due date) I called
and talked to them before the payment was due and they where very nice
to work with me.

Of course mine is an older car (1995) so maybe these newer rigs they
are getting more picky.

I have heard of dealers doing this on cars like the charger, mustang
BMW, Mercedes ect. If you miss one payment they assume you went over
your head with the payment and want the car back asap before you
either a) do something to it before they can repo it or
b) put too many miles on it.

If you are really on disability shouldnt you buy something a bit more
modest? Hell maybe your wife makes alot.

I think they figure that if you are late with your first payment,
that's not a good sign. Perhaps YOU should honor the contract and
make your payments on time.

there is most likely a clause that says they have the right to do this
if payments are late or not made at all

They are not honoring the contract because you didn't. You agreed to
make payments of X dollars by a certain date every month. You failed
to do so. You admit the payment was at least 3 days late. The payment
was due on the 22nd and you sent the payment in on the 25th.

wow..thats weird...youd think theyd want that sale the way things are
now.Im on ssi my self and know how hard it is to get bills paid on
time.