Not only is this event physically impeding, but it feels like an attack on who you really are, a victimization! I understand. Repo guys are not the kindest people you meet in this world. In the early 70s we had a newish car... did fine on payments till spouse lost job... I went to work again and we were only 2 weeks late on a payment, with NO history of late payments etc... and they came and repo'd the car AT CHURCH! We had to go to family for a full loan, as they would not allow anything but full payment to return the car! I won't ever finance through GMAC for this reason.

It happens... don't beat yourself up about it, you need all your energy to get through this bad experience in one piece! Take care of YOU, ok???

As I think about this further, perhaps you can call the "lady" and make sure the repo is taken off your record and all that stuff, getting the car back or you might HAVE to contact the State's attorney to notify them of this event. It sounds like an old method of unscrupulous business people making a fast buck on the backs of struggling folks... your tipping them that you will pay them off might have triggered them to scoop up the car to make the grounds that you didn't pay for it fully, agreed contract, so they can keep it and resell it for more than the $300 you owe. See my point? Threaten to turn them in to the FTC (federal trade commission) also... this can put them OUT of business. They might decide it's not worth it to cheat you out of your car. Make sure ALL record and fees, charges for towing are withdrawn, if you can.. a repo can harm your credit for years.