Okay based on your report you were going to be late on your FIRST payment. It also appears you were late a few other times. Really no company is going to be "nice" in these situations. It looks like they gave you several chances before they actually reposessed the car.
Also, your friend that co-signed for the loan. That means that she made a LEGAL commitment that she would make the payments if the signer can't/doesn't. They are not just going to "take her off the loan". If she didn't want it on her credit report, she should not have signed the loan papers.
They need to be stopped from harressing people.
- Yes, there is a simple way if you really think about it.