What is the name of your state? Pennsylvania. I have a issue with Wachovia bank. I was past due 2 months on my auto loan as of 12/11/07. I made one months payment on 12/20/07. I was going back to the bank on 12/21/07 to make the remainder of the payment so that I was up to date on payments. The morning on 12/21/07 the repo man came and took my 2000 Chevy Silverado. I was only 3 weeks past due at that point. I contacted the bank and my loan is part of their "old system" supposedly and they were stating that I am 2 months past due. According to all of my documentation and also paperwork from the bank, I only owed December's payment. I keep getting the run around after speaking to a few supervisors and they are trying to make me pay $450.00 in repo fees and well as my current payment. By law, is it legal for a company to repossess a vehicle for being not even 1 month late? On top of that, they are stating that they contacted me numerous times at my contact number which is untrue. What can I do in this situation? I only have until the end of this week to make payment to reinstate my account and get my vehicle back.