Dear sir, I bought a used vehicle XXXX XXXX from used car sale dealer XXXX XXXX XXXX from XXXX XXXX XXXX in 2013 and put XXXX down payment to them and while test drive with guy from dealership I got a phone call from LOBEL FINANCIAL  about that cars loan. While the Lady who called me asked me that you applied this loan which I answered yes. And then she asked you putting XXXX down and rest will be loan. And also she said this phone call is recorded.I was approved and got car after 8 or 9 months somehow I didn't get work and couldn't pay 2 months and they took car from outside my house. When I called to police they said check with county office where I found they took car. And when I called Lobel financial they told me yo pay XXXX then I borrowed from brother and gave them and get car back. Then I called found as I asked about how much loan left on this. And when i got back cars transmission got problem after few days Then I was shocked when they said XXXX. they told me to call dealership. I called yo dealership and asked about loan and as put XXXX down and already gave one years payments then that manager and owner told me no one was giving you car but we gave you car that's why that money was our fees. Asked sir you didn't told me when sold me that car and asked written but they never gave me anything else. Then after 2 months lobel financial they took car when I complaints them about transmission problems within year and also about down payment I gave. And sir after I never heard from them they never sent me any notice to auctioned or anything. they didn't return anything I left in car. I tried to talk but they never give any specific answer. I tried with dealership but made me feared as I they will sue me .and sir I was just new XXXX  that time here and was scared as they are rich people and I'm nothing front of them. Ad if they took car and took XXXX down also one years payments and did this all then they can do anything. So I never complaints to anyone or didn't even talked about car when my friends asked where is your car. From that time to now its been 4+ years and I still fear to buy car as even for work I go to public transport or cab. Because I can't take any more problems like that as I have more responsibilities to take care my old Mom and Dad. 
Dear sir, I got to know about they reporting my credit when I got yesterday my credit report from one reputable bureau. Sir, I paid XXXX down one years payments as XXXX per month and XXXX insurance that time. And when they took car first time XXXX that time. Then after complained them about this all they took car and sold somewhere and never informed what happened or when they sold. They never gave me back my personal licence plate never returned anything in car as my cards some money sunglasses documents car agreement. They took everything and got my all savings also much higher XXXX monthly payments of 80,000 plus mileage car with interest rare of 23 %. till now I'm scared to buy any auto. as still going on public transport or rides as they gave me that experience which I never made myself to get anything after that. 
I hope I will get helped from you as my only one last hope .otherwise as they are reporting to credit bureaus I have to pay XXXX plus more to them as its showing on credit report. so they could stop harassing me the way they are doing .so I couldn't have anything on credit or no one could lend me. And its happened but I never awarded about why I'm denied always to get anything on credit. 
Hope to get help Regards