The bank repossessed my mom's Ford Expedition even though we made every monthly payment. I hold copies of the checks, both sides, showing they were cashed. The bank supposedly claims we are 127 days behind, which is absurd. No letter about it has ever reached us.
Roughly 3 weeks ago, a letter arrived saying we owed $2.048.00. It carried no signature, and the return address differed from the one where we normally send our payments. I phoned a 1-866 number to learn what the letter meant.
A young man picked up. When I asked whether this was CitiFinancial Auto, he said "yes," but the call made me suspicious. After keeping me on hold for 5 minutes, he handed me over to a woman. I asked her why nobody from CitiFinancial had signed the letter, and she answered that their office has no authority to sign documents.
They also said a check drawn on my bank account had bounced twice, yet my account held $500.00. I have all my bank statements showing the funds were withdrawn every month. My mom notified the police and the insurance company about the repossession. What can we do, and what legal options do we have?
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