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I have not so good credit and 4 kids. I purchased a van from a car lot under credit acceptance. It was a 93 dodge caravan that was a piece of crap anyway. I was placed under 300 a month payment with "FULL COVERAGE" LOL insurance. The people at the lot told me and the people at credit acceptance said "The dealer doesnt get paid until you pay". SO in my mind this was like a RENT TO OWN. I had to have the car voluntarily repo’d because it was too expensive, and not reliable. Now they have placed this in my credit report saying I owe them like 4000. How can I owe them that if they never gave the car lot the money in the first place? They also auctioned the car after I had them come and pick them up. This is unfair to me and doesnt seem like a real loan. I have disputed this already and they keep saying I owe them. Money was never truly lent on my behalf. Please help me understand what to do. Thanks

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?