My question involves a consumer law issue in the State of: California.
I have an auto loan the originated in 2004. I believe I paid the vehicle off. However, in the middle of the loan, the loan company was bought by another company and never told me. I kept sending the payments to the old company and I do not believe they were ever credited to my account. Fast forward....A repo man came once a long time ago, I explained that I no longer owed money and to please have whoever sent him to contact me so we can straighten this all out. Next thing I receive is a summons for breach of contract, in which they are asking for a monetary settlement. I know that technically this means money, but I want to know if I cannot prove I made the payments, will the judge force me to return the vehicle, or does the fact that the company is seeking a monetary judgement mean the judge will award whatever he/she deems is the balance on the account?