MAJOR ISSUE WITH CITI-FINANCIAL PLEASE HELP !!!?
Oka here is the spill I need all the advice I can get !! In march of 2008 I called citi-financial to make a car payment I had used them to finance my car. I was told my account was paid in full. I was shocked because I didn't know who would have paid off my account I owed 8,000.00. After calling around to family members my father-in-law said he paid off the car. I was getting ready to have my baby and It was a present to me he said. I had a mustang and he knew we needed something more sutible. A few days later my Title came, a payoff letter thanking me for my buisness, and the original loan contract I signed the day I bought my car stamped "paid in full ". I was so happy !!! Well, in July of that year I finally found a man willing to trade his trail blazer to me for my mustang. even trade. we exchanged titles went and registered our cars. case closed. So I thought !!! In November of 2008 I got a call from a collection agency saying I owed over 2,000 in past due payments. I explained the car was paid, faxed them a letter, and the contract stamped paid in full and never heard a word. The other day another comany contacted me and said I still owe the money. I said my father in law paid it. They called me a liar. I am scared to death. I have all documets showing the car was paid in full, i recieved a title, I don't even own the car anymore !!! my father-in-law can't find the money order reciept since it was a year later. I am worried my father in law may have lied and not paid it. Could citi-financial have made a huge mistake and sent all that on accident. If so, can anything be done at this point if they have no title, no contract, nothing !! I want to believe my father in law is telling me the truth but I don't know what to do from here !! I need alll the advice I can get !!!