Oh that's one important detail I forgot, it's only my mom's name on the loan now. When we got the car it was my mom and my boyfriend, I wasn't on it at all because we thought insurance would be cheaper that way and I wasn't driving anyway.
But now the loan is only in my mom's name my boyfriend says.
Just got the full story, or at least all that my boyfriend knows...
At some point my mom wanted to refinance the loan. She had it transferred to her credit union. So her credit union basically bought the loan from the original bank. Now she has to pay off her bank. When this happened my boyfriend had to go down to the bank and sign some stuff to remove his name from the loan. I'm guessing it was during this rigmarole that our gap coverage somehow got removed, even though we were told it would cover our whole loan. Maybe the gap coverage was only in my boyfriend's name or something so it couldn't be used on a loan that's only in my mom's name?

In any case, it's her credit that's effed now. Technically we don't own the loan or the car anymore, she does. So we're not too worried about it, except for the fallout it's bound to cause with my mom. It's my feelings about it I can't figure out. I'm still in shock I guess, I just can't believe she did it. She's not usually malicious, so most likely she just spent the cash and forgot to pay extra on the loan. I just can't understand how a 47-year-old woman who's bought and financed cars and even houses could be so careless. I know if I was paying a bill for someone in this way, I would keep that cash separate and not even consider it mine until I write out the check or pay by phone for the amount I was given. Then the cash would be mine. I would never put it in my wallet with a bunch of other cash to get confused with. And I generally thought my mom's memory was better than mine, even if she did throw the cash in with her own, how could she not remember that we gave her $400, not $115?
I'm still just shaking my head.