I co-signed for my friend, and they put his car in my name. His payments were 542.42. They said after 6 mos. of paying on time, He could refinance and put the car in his name, but when He called back they said they didn't re-finance. He paid on it for 2 yrs but got behind. They repo'ed it yesterday 2/23/2011. He still owes 21, 000, and its only worth 14, 000. Can anything be done about these un-scrupulous businesses? Drive Time sold the loan to Santander.