I was laid off work in Nov. of 2009 out of the blue due to lack of funding(this is a government job)
to be put back on in middle of Feb.2010. I infromed Citi auto of the situation and they would help by rolling two months payment to end of my payments. (never happen) I pay by automated banking i did not recieve any income. I got a unployment check a few days before christmas and citi auto took all of my money and overdrawed my checking account. plus charge me now even though i'm a month behine on payment for Jan. I tried numerous times to explain i will catch up the payment in may or june. they have cut me no slack even though the vechicle is being paid for. They are threatening to come repo for a month late payment but have received Feb. Mar. Apr. payments and are charging penlty daily which is now over $300.00 puls the monthly due. I'm upset to the max what to do i know i will have the money to pay end of Jun. they will cut me break. What to do give-in lat take the car half paid off ruin my credit just don't know what to do.