I have had my car loan for about a year now, and have never missed a payment. My co-signer declared bankruptcy about six months ago, but my finance company told me as long as I continued to make the payments they would contact me about removing the co-signer/refinancing to make me sole borrower. They never contacted me, but I continued to make the regular payments by check (which they cashed each month) but now the company is telling me I am three months behind and they are going to repossess. I had no prior correspondence (either written or verbal) about non-payment or even late payment until about a week ago when they started threatening repo. I am already requesting the cancelled checks from my bank to show proof of payment, but is there anything else that can be done? I am just so frustrated that I have done nothing wrong (i.e. I have been faithfully paying for my vehicle on time and the full payments) for over a year and am now facing this. Help!
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