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In April of 2007 I had bought a vehicle from West Covina Nissan. A small SUV Nissan Xterra SE 2007 I paid the vehicle very good sometimes I was late but then I was able to always catch up on my payments and so I did that for close to a year. And on 3/2008 I had my vehicle stolen from me, close to my house. I had gone with some friends for 4 days and I had no need to take my vehicle as I was going with them on their vehicle. So I parked it close to my house. When I came back it was late at night and I was so tired I just wanted to rest and I had no need to look at the vehicle or go to it I thought it would be there when I need it the next morning. so I woke up and I did not see it so my first thought was that it got towed away and I called everywhere to the city the parking enforcement and last the police and they advised me to make a police report and I did. On 3/05/2008 and so all I had to do is wait. I have lojack and they did found it in Mexico the very next day according to this paper I got by mail a week later but the law enforcement in Mexico found it the next day of the police report. And so since then the finance company for some reason took possession of the vehicle and never let my insurance company go in and fix it so that I can get my vehicle back. and so they were giving me the run around and at the time I did not know I would still need to be paying the vehicle if it had gotten stolen and when they told me that the insurance company cannot go in to fix because I owed money I paid off the past due balance and everything should have been fine. And then my insurance sends my finance company the money to fix the car and then all I hear and get a letter is that the finance company sells the car at auction for nonpayment. After I had paid them the entire amount that was past due. They sold the vehicle on July 10, 2008 so from 03/05/2008 to 7/10/2008 they had the car and where giving me the run around and the car was supposed to have been returned to me. And so I need legal advice and I would like to hire a lawyer or attorney to help me in this civil matter. Thank you have a great day you can email me at jmarcial1983@yahoo.com for more detailed information if you are law professional

I was very past due on the car payment- 71 days and finally paid my past due balance in full on 2/22/10 through my online banking account. My bank shows a posted transaction payment to my auto credit company on 2/25/10. At 12:30am on 2/26/10 they repossessed my car. I called the credit company at 8am the same day of the repo and they said they did not receive payment. I called my bank and they said that the credit company has received payment which cleared on the 2/25- a day before the repo. When I called the credit company again they said that they did not see the transaction prior to the repo and it showed payment was received on 2/25/10. The credit company then continued to say that because I paid with online banking as an electronic check they do not consider it a form of legible payment because I could cancel the transaction with my bank at any moment (ie "made payment to wrong company") they want a payment through something like Western Union. My major question to this information is can the credit company still request that I’m responsible to pay the repo fees, towing and storage fees even though my past due balance was paid on and cleared to the credit company before they actually repossessed of my car? Is this legal in the state of WA? The credit company keeps telling me that I need to cancel my payment through my bank and send them a payment through their ok’d payment options (ie western union). Please help!! I’m not sure if the credit company is trying to pull one over me because they messed up on a repossession notice that technically should not have happened had they seen my payment before the tow truck came to my home.