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Strange question I know. So my mom is going through Credit Acceptance Center (shivvers) for a car. Back in March she got sick and missed some work, she was also trying to save up to move to a cheaper area in June. To help out I called Credit Acceptance Center on March 19th and told them I would like to pay 70.11 (3.37 x 3) to cover March, April and May’s payments. The rep said sure thing and took my money. April comes around and they try to pull 3.37 out of my mom’s bank account for April’s payment. That caused the bank to charge 2 NSF fees. I call Credit Acceptance, explain the situation and have them call the bank and ask if they will reverse the fees due to Credit Acceptance Centers mistake. They did. So, my mom works as a cook on a tug boat. She asked me to watch her car and her dog this month while she is on the boat. Both are in my yard. I go to feed the dog and hear her barking, they are towing the car.
I call customer service and verify the payments all processed. They are now saying they don’t do advance payments, despite the first rep I spoke to in March saying "Sure thing" and the second apologizing to the bank for their mistake and assuring me that they next payment would be due June 14th.
So is this legal for them to repossess the car? If not then can I call the police to report the car stolen and actually get Credit Acceptance Center into hot water?
Yes they deducted it all on March 19th. All ,270.11.
Oh I also paid her insurance up for 6 months to make sure that was good.
I called their customer service again tonight and they are saying the payment was due on May 13th. But they also see where I paid the ,270.11 in march and that the customer service rep at that time set the next auto pay for June 14th (the next payment date)

So I can’t talk to the repo department until tomorrow. In the mean time am I go for calling the cops?

I have the money to pay off the 14000 dollars to get the car back. What happened was I moved two months ago I was on auto pay gmac and did not get the mailings to re enroll in autopay which apparently has to be done every 2 years. I plan to get the car back next week. My question is how can I build back credit so I can get a car loan and buy a house in the future?

We always pay our bills on time. We signed up for auto pay for our car payment but something did not process correctly. Needless to say, we dont pay particular attention to the account the car payment comes out of and we didnt notice the payment wasnt made for 3 months. Yesterday our car was repossessed. We have no problem paying what is owed and any fees associated with it, but I am concerned with some things that I have been reading. The bank was very vague in what they told us (mainly because they were closing and clearly didnt want to deal with this so late in their day). They told us that depending on what state we live in we could either just pay the back amount or be forced to pay the entire loan amount in order to get the car back. We have no problem paying the 00 but having to come up with 000 is completely out of the question. We are NY state residents. Does anyone have any information about this? Im terrified we are going to lose our car. Thanks.
Im asking for some advise. If you have nothing useful to say then dont waste my time. I am looking for actual information. Thanks!