My question involves an auto loan or repossession in the State of: Ohio, may be national law.

I bought a used car back in 2009 I do believe the year was. I had no issues with the company that my loan was through. In 2011, I believe, my loan was sold to a different lender. I paid my payment on time every month except when I hit a rough patch and the car was repossessed and my parents helped me out. Since then I got back on my feet. I just noticed an issue however, just this past month. I noticed my total amount due never seemed to lower at all. That Is when I noticed they've been sending the statements late. My payment is due the 16the every month, my statement comes 12 days later. I always believed it was my statement for the next month, but I noticed its for the current month. Example, due date is 1/16/13, but the statement date is 1/28/13. They start applying late fees after 10 days. I pay with check, so I have to wait until the statement comes to send a check in their pre addressed envelope. Isn't doing business like this illegal?

P.m. if there are any typing errors, I apologize, I am typing this on my phone.