My question involves an auto loan or repossession in the State of: California

I started being late with payments in February. They are due on the 5th of each month. I paid February and March's payments. On April 6th, Capital One started calling and demanding payment. The man that I talked to, though, said that Capital One would not repossess until the payment was 90 days late. I couldn't affod to pay last month, and this month I only paid $150 of the $250 payment. I hadn't heard from Capital One, and I was planning on paying the rest this weekend. Well, on Wednesday night at 11:00, my car was repossessed. When I called Capital One they said my account was over 4 months past due. I explained that I paid February and March, so I was only a month and a week past due, and I had paid the $150. The woman tells methat they received the partial payment, but before that that they haven't received a payment since January. They also said that in order to get the car back I had to pay $1042 (past due plus fees) in addition to the $300 to the repo company. I, of course, don't have this much. I explained to them that I sent the payments, and they told me to send in my bank statements. I did, but I haven't heard back from them. I'm wondering what I should do. I am less than a month and a half late, and if I pay the remaining $100 on this payment, I will be only a week late. What are my options? I know that cars can be repossessed when only a month late, but do I have any recourse since the man I talked to said they would not repossess until I was 90 days late? I really resent having to pay the $300 tow fee. This whole thing is making me very angry. This is the first car I ever bought, and I am a nervous wreck over this.

Thanks for any help.