Household Automotive Finance co. MCM OR Midland Credit Management,Inc. charged me $9,968.45 for a vehicle I can not even have. Has been sold to another individual. Oaks, Pennsylvania

What they are asking you to pay for is the LOAN you took out to get the car, not the car itself.

Since you say the car was sold to someone else I assume you meant it was repoed and auctioned off to another individual.  What this company did is take the amount they got at the auction for the car and took it off the balance you owed on your loan.

You still have to pay the loan off. I have dealt with this issue several times and I know for a fact that every one of the dozen pieces of paper you had to sign when you got the loan for the car said even if it goes into repo, you are obligated to pay off the remaining  amount of the loan. They would NEVER have given you that loan if you did not sign that agreement.

I understand my obligation to pay for the vehicle

- It isn't quite that simple.  When you get an Auto loan you made a legal agreement to pay back the money borrowed.  Even if you no longer have the car, for what ever reason, you are required to pay the balance of the loan.  It does not matter if it was stolen, reposessed, or totalled in an accident.  This would be the same for every car loan.

There is one item that is a bit confusing.  Just how did this car get "sold" if there was a balance owed on the loan?