BB10, set up camp at your bank -- their records will help you resolve this. Not only will they have the transaction records of when you made all these payments, they will have the canceled checks! So let the car company coma and get the car -- they'll also try to come and sue you for any shortfall, at which time you can countersue, bring all those records, and "become part owner" of the car company that's trying to screw you.