discrepancy of balance due auto loan

[mom23pac]

I purchased a vehicle in July of 2002 in California and financed through a credit union with 5 year payback term. I moved from CA to KY within 2 months of purchasing the auto and have no access to the original loan document. I have contacted the credit union on multiple occasions, disputing the payment terms. They tell me the loan was scheduled for 6 years of payments. In order to protect my credit, I have had to pay 3 additional payments, beyond the 5 year loan term. They recently told me if I paid $50 they would retrieve the original contract from storage and provide me with a copy. Is this legitimate? What, if any, are my options in this case. I am extremely frustrated, and unable to communicate with anyone beyond a loan officer at the credit union. Can anyone offer some insight?

[jq26]

What's the APR? You can figure out whether it was 5yr or 6 yr just by the payment amount, the % rate, and the amount borrowed.

If you don't know, call the credit union and ask for these items (by the way, you really should know these things). They shouldn't charge you for that info since they won't need the archived document. Then post the info if you can't figure it out.

[MrHunter602]

Another way you might be able to get some info is if they have an online account service, you could maybe set that up and then look at how its been entered. You can also request your entire payment history from them. You could also see if the dealership poss has the docs. That one might be a little bit of a stretch, but it is a possible route.

You also might be under the impression that you were on a 5 year plan because the dealer ship told you that, but provided other docs for you to sign. That is not as uncommon as people might think.

The dealer ship makes money in numerous ways. They make money off your trade in, the purchase price, and they make money off of the points you pay for interest.