This is somewhat complicated, so I will tell the whole story.
Fell behind in payments for various reasons. Today, at 3:30am, my doorbell rings. I live in a apartment downstairs from my father, who is the comaker on the truck loan. Alarmed at this, we answer the door, my father who is a police officer, comes to the door with his gun in hand, not knowing whats going on. Three guys are there saying they have a order of repossession for my truck. So they show us the paper, and tell me if I want i can get my personal belongings out of the truck. So i do. I hand them the keys rather than put up a fight. As they are getting ready to leave, my father and I decide to follow them their storage yard, to make sure my truck gets there ok. They agreed. So we go on our way, and the guy drivng my truck is obviously trying to lose me. He is speeding, blowing red lights, and cutting down side streets. We now get on the freeway, and again, he is trying to lose us, playing cat and mouse games with semi trucks, exiting and reentering the freeway, etc. This goes on for about 25 miles, and at some times he exceeded 90MPH with my truck! So now we get off the freeway, and his two repo buddies driving other vehicles, try to block us in, while the guy driving my truck takes off. We go around them and catch up. So my father calls the local Police 911 to tell them whats going on. The dispatcher had already gotten a call from the repo guy, claiming there is a guy chasing him with a gun. So next thing we know, there are 7 state police cars pulling us over. They block us in and the repo guys keep going. After the police realize my father was a off duty officer, they let us go, but now we had no clue where my truck was and was headed to. There was no address on the repo order, and the phone # they gave us was bogus. By this point I am furious. We go back home and call Ford Credit.
Now, here is the dispute with them. I made a payment via phone on Feb 15th. In order to bring my account up to date I hate to remit the past due amount of roughly 2000 dollars. Which I did, and have a confirmation number for. The car was repoed feb 19th. Ford says they did not recieve the payment yet. They urge you to pay by phone when your account is past due, because it is fast, and the account gets credited the next business day. Well it should have posted friday but did not, and today is a holiday. But I have a confirmation number that I did make that payment on feb 15th.
So, my question is, how would you handle this situation? I do want my truck back, I have to much invested in it, however, the truck may have some damage from the repo guys romping on a cold diesel engine, and driving it over medians and curbs. I think I may have to hire an attorney for this. What do you think?