I purchased a used vehicle in Feb of 08 and my payments were due the 23rd of the month. I made my first payment in March, they said they didnt receive the check even though it had cleared my bank and so they didnt credit my account until March 31, 6 days late. Well I made payment in April, mailed it April 19 and it credited to my account April 25. I made another payment May 1, this still was not due for another 22 days. June 18 the vehicle was repossessed. I contacted the bank and they said that I had to pay $570 in repo fees and my late payment fee for March and April, that that was the reason for repo. The vehicle July 10, 2008. I was never notified of intent to sell nor that it was sold. Now this is showing up as a repo and 30 days late! They are refusing me an account statement stating that it is purged and my account is closed and they dont have access. I spoke with one woman and she said that if the owner would allow it then they would remove but it is against policy because it costs money. I said with a written agreement I would pay the costs of that. She still refused. This is a VERY small bank, not even statewide. What can I do? I am buying a house, despite my credit scores they are willing to finance me a USDA loan as long as I can get this straightened out.
