i am from Tennessee, and i am a cosigner on a used 2004 Dodge Neon, we bought in may of 2007. Acording to the financial company our car loan is through, our payoff was $10,721.88 with a 24.95% Daily intrest rate for 60 months and $320/mo. payments. today the payoff on our billing statment is around $7,500.00 three years later....and the money we have given is well over 10,000 now. I dont understand how they are figuring this up and there are other issues with our payment history that i dont understand, such as them adding a 131.00 payment, then subtracting it, then adding it back, but in pieces like 100.00, 30.95, and then .05. the addition works out but i dont understand why multiple transactions, and all in the same day. the way they are charging late fee is strange too, for one payment 18 days late they charged 5.00, and for another payment only 9 days late they charged 10.00, and other dates got charged that were payed early. I dont understand what they are doing and if it is legal.