I bought a Windstar van from a Ford delaership in Idaho and had it delivered to Alaska in 2001. I put 10K$ down and expected a low monthly payment, I received a high interest rate over 20% and payments of 597$ a month. I paid on the van for approximately 2 years with late payments. Ford accepted these payments. My van was repossed without any warning. I received no notices nor phone calls! I was told I could get it refinanced with another finance company when i called that afternoon to speak with someone aabout the repo. I went the next day to a bank and after they pulled my credit report told me it had been reported repo'ed 3 days BEFORE they actually came to get it. Therefore,I could not get refinanced! I have done researched on accepting late payments etc and found that if they accept late payments THEY have broken the contract therefore making the repo illegal. Is this true and what do I do now? They have started a class action suit after filing a judgement. This occured in Alaska and I now live in Washington State. They sold the van for less than owed and want another 5K. I don't feel i owe this since they broke the contract and reported it repoed before I could get financing. I also was under the impression that you have 30 days in which to get refinancing. Is this true? Thank you for your help. Ford Motor Credit seems to practice this type of shinagans therefore ruining people's lives!