BMW Financial Services wrongfully STOLE $12,670 from me

[Qbrozen]

No need to reply here. You can just read this thread. Very likely, anything anybody is going to say here has been said there.

BMW shamelessly STOLE my equity. What can I do?

My leased 2019 X4 was totaled in a garbage fire. I had extremely low mileage so the insurance company gave a pretty good settlement offer, which is at $13k over the current buyout amount. Now BMW is telling me that I can’t get a penny of the equity. The total loss department kept saying that ‘hey you don’t own the car you don’t get the money’. BUT I was the one negotiating with the insurance company to get a better settlement offer. The equity was partly due to the market, also definitely due to…