Although the late fee was under $ 3 , I could n't help thinking this was all a ploy to charge me a late fee . In 2007 , I paid off my car and received an envelope from Toyota . It included a very official - looking form that I was under the impression was my title , since it looked so official and had information on my car . It also included a white form that had the word " lien " on it .

Question: What may be your reason for thinking the late fee was a ploy ?
Answer: The form did n't have the information for my car .I had already finished paying off my car .I felt like they wanted more money out of me .I wanted to get more money out of Toyota .