I have an auto loan through a company in Phoenix,AZ. I have had the loan since 12/2005. I have 10 payments remaining @ $283 per month. Called for a payoff and was told that it was $5900, due to late payments and "no insurance fees". Have had insurance since day one. Can I do anything about the excess interest and insurance fees they are charging? I can prove that I've had insurance. Also, while doing a search on the company, I am not the only person that they do this to. My question is can I sue them for the title, and any punative damages awarded will go to the lawyer helping me. Thanks.