Good evening. If you can show the loan was not 120 days behind by evidence of your payments and/or the lender never notified you that your loan was behind so you could refute that it was....then they are going to have to return your car and compensate you for your damages from the repossession....such as paying you the rental car going rate for your model of car for the period you were without your car. Inform them otherwise, you will be immediately filing a claim against them not only for your actual damages, but also punitive damages for their careless reckless behavior in repossessing your car.
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The information given here is not legal advice. As all states have different intricacies in their laws, the information given is general only. This communication does not establish an attorney-client relationship with you. I hope this answer has been helpful to you.