Is it wrong to be upset with an ex if she was late paying a car note that is in my name?

we split up about 3 years ago and i left her with the car. the credit union has called me twice in the last few months saying the payment was late. i called her and im a horrible person because i only call when shes late, she wants me to call her and say thanks for paying it when shes on time........ i just didnt think i need to tell someone thanks for taking care of there buisness. should i call and say thanks for paying your electric bill? anyhow would you be tempted to repo the car ? she barelly payed before the 30 day late mark. the credit union said they would not give me credit again because of this, i just dont know what to do, i dont want to take it from her but i dont want to end up paying for it in the end. i think it should be a law that you cant get joint credit unless married.

Is it wrong to be upset with an ex if she was late paying a car note that is in my name?state theatre

yes you should be mad she is flushing your credit rating down the toilet and its not even going to bother her...cause its not bothering her now..its yours...she is laughing laughing laughing

Is it wrong to be upset with an ex if she was late paying a car note that is in my name?theater opera theater

If you don't mind her burying your credit rating, then it's no big deal.

it will only cost you a higher interst rate next time you try to finance.
No. Why don't you have her refinance it in her name only? She's going to trash your credit rating if she continues to do this. I wouldn't call her other than to tell her to find a way to refinance that car and that you were going to get out from under that loan. Why should you be partially responsible for property you really no longer own or have control of?

Is the car titled in both names or just hers? If it is titled in both names, have her retitle it in her name only. Then go to the credit union and ask them how to go about getting out from under that joint loan and having her refinance it.

I have no clue why you'd tell her thanks for paying her electric bill. Don't tell me THAT's in your name too?! After 3 years?!?
I would be mad and she doesn't need you to call and congratulate her for paying HER bills. I would get it out of my name so she doesn't ruin your credit.
You don't really give an indication to her current financial

situation, are there legitimate reasons that she is behind?

I can tell that you do not hate your ex and that you still

maintain a friendly relationship because you don't want to

take the car from her.

What about talking to your ex and see if she can afford

to pay the car payment every 2 weeks, have her send

you the money and you will see to it that it is paid on

time, the down side is that you may have to lend half

a payment if she comes up late but if she really would

pay every 2 weeks it might be worth it to keep your

(and her) credit from suffering any further.
You have every right to be angry. What you should do is tell her that she either needs to have the car put in her name or that you're taking it. You have the legal right to take it at any time if it's in your name.
No, it is definitly not wrong to be mad. It seems like she just wants your attention by saying you never call to thank you...who does that??? I would repo the car before your credit is all gone...
You shouldn't get joint credit unless married. But that is not for the legislature to regulate. If you don't help yourself, how do you expect anyone else to help you.

To answer your question, I think that you do have a right to be mad, but remember, you were the one who co-signed and you let her have the car. Take the car, make her refinance the car in her own name to get it back. (If you can make the payments yourself.)

You have a bigger problem, if the car gets repossesed, they will garnish your bank account and paycheck for the difference between the amount of the loan and the amount that they sell it for plus attorney's fees, reposession fees, late fees, court costs, interest, and administrative fees. (You can bet all the fees that are added will be more than they sell the car for.)
It sounds like it was an Ex-Girlfriend as opposed to an Ex-Wife so there is probably no written agrement that she is to pay on the car. If you don't you need to be very careful and make sure she does not all of the sudden come back at you and say it was a gift and she is not going to pay on it anymore.

Actually if she paid before the 30 day late(although barly) and the CU said they would not loan you money again because of that, that is a pretty harsh CU. Even big banks can be somewhat forgiving except for late fees in payment that are still within 30 days. Also, since it was before the 30 days nothing should show up on your Credit Report.

If she can not/will not get it refinanced in her name. Then what you should do is tell her that she is to pay you directly and you pay the Loan directly. If she does not pay you, you still need to pay the loan to not effect your credit. However, you can then turn around and take her to Small Claims Court for any missed payments.
It seems that you have a kind heart for leaving her the car and her making the payments. But, unknowingly to you, this can have a terrible impact on your credit rating when she does not pay.

You MUST go to the bank, or wherever you got the loan from, and take your name off of the loan and have her qualify for it. If she does not qualify, you have the option of taking over the car, or paying the loan first and then collecting the money from her. Remember, your credit rating is one of the most important things in life. Don't let a past relationship screw up the future for you.
Yep that's why u don't cosing for anyone,don't care who they are..
Well you do what you have to do to get yourself out of this mess. Just keep in mind Credit rateing = $, so don't dont mess with your credit