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Thank you

hey quickrick, send me a pm, I'd love to have a chat with you.

;-)

Why could TD not just then arrange for another lien to satisfy the judgment?

Hi Footloose, thanks for responding.

I was starting to think that I had misunderstood the wording in the CPA, but you have me feeling more comfortable now. :)

Your first step, if you have not already done so, is to obtain a copy of the judgment. You can obtain a copy of the judgment at your local courthouse. There will be a fee charged to obtain a copy of the judgment so make sure that you bring some "coin" with you.

Next, contact the Manitoba Personal Property Registry. The details are as follows:

276 Portage Avenue
Winnipeg, MB R3C 0B6

Phone 204-945-3123
Fax 204-948-2492
Email ppr@gov.mb.ca

Tell them that you have a copy of a judgment for a vehicle for which a lien has been registered against and that TD/VFC has refused to remove the lien. This action is in contravention of Subsection 48(1) of the Consumer Protection Act.

Ask a supervisor or manager at the Registry Office how you can correct this problem. If they cannot advise you what steps to take or simply refer you back to TD/VFC, then file a formal complaint with the Manitoba Consumer Protection Office. Once they receive your complaint, they will contact TD/VFC for a response as to why this lien has not been removed. Generally speaking, this matter should be resolved at this point, however, if the Consumer Protection Office is not able to effect the removal of this lien, then you are left with one option and that is to sue TD/VFC. Hopefully, it doesn't go this far.

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Educating one Consumer at a time

Hi all I'm in Manitoba and have a question I hope someone can answer...

I bought a used vehicle from a dealership in 2008, financed through VFC.

I became disabled and could not make the payments, so told VFC that they could repo the vehicle.

They decided to sue me instead of taking the vehicle in 2010, and got a judgment against me for the entire loan amount, including costs.

The Manitoba Consumer Protection Act states that they can EITHER repo the vehicle or sue. It also states that once a judgment is granted, the security in the lien must be dismissed.

They still have a lien registered against the vehicle and will not return my calls about it.

Does anyone have any ideas of what I can do to get this lien removed?

Thanks in advance,
Rick