In agreement, although as of recent I have talked with different people and the "I am the rightful owner of your car" attitude has changed dramatically!
I still have a problem in that they insist on charging me late payment fees every month (they owe me about $ 240 by my calculation) as of September last year, because I'm paying at the end of the month - -when I draw my salary. I have not been able to convince them that I get paid at the end of the month and not bi monthly. I keep getting the calls like clock work on the 13, 14, 15th and so on!
I did return their own form stating that I needed to be billed at the end of the month. I have written and spoken to them on numerous occassions, and they still insist on billing me on the 15 of each month. This is troublesome to me, 'cause they have their own way of counting days of delinquency, and I'm constantly on edge wondering if one morning I'm going to try to get in my car to go to work, and find out that it's gone!
This is no way to do business and I'm also paying a very high interest rate. But, as I stated, there seem to be some people that are more reasonable now and at least will listen to the customer. I'm almost done paying, that God! I never want to be in this kind of situation ever again.