Vehicle repo help
So my husband has a vehicle and I make all the payments. I have an auto payment for my bank to send to this bank. I didn’t notice that a payment I sent in February was returned due to insufficient funds. Went on paying like normal. Well yesterday a tow company came and got the vehicle for repossession.
We can pay to get it back but I’m pretty irritated with the situation. No repossession notice was sent. They sent a bill on 5-12 . I made a payment on 5-15, the normal payment not paying attention to the past due. The bill has a due date of 5-30-26, and again no notice of repo on this bill.
When he called this morning and stated the above they said they tried calling and he didn’t answer so they figured he wasn’t committing to paying. So they put the repo out on it. Which is baffling given we made all the other payments.
Anyhow what is the best course of action here? The late payment was $300 and now a $600 fee for the repo. We tried to argue that fee should be lowered but they aren’t budging . Anything we can do?