My husband has had his car for almost 4 years and has always made his payments. In Nov-Dec 2005 he lost his job and was out of work for 1 month. He fell behind on payments, but after getting a new job got caught up on the payments. Only the company his loan is through continued to say that he was one month late. This started between Jan-Feb 2006. So he proceeded to call the comany and request a report of all the payments he had made from the date of purchase. He never receiecved one. So he called back about 2-4 weeks later and said he would not be making any payments until he recieved the report. Again nothing. So he made no payments since Feb. 2006. Sometime between August and September he got a letter from the company stating the car was in the repossesion process. Again he called and requested a report of payments made. It is now December 2006 he has had no further communication with the company.
It has been almost a year and we still have the car. How long does it take for one to reposses a car? What else can we do to figure out what went wrong? Before he got late on the payments he tried to talk with the credit company to get a report of his payments. We don't have and extra $11,000 to pay it off. What can someone do in this situation?
Thank you for you Help,
H.I.

