Santander / Triad Financial Triad Impossible to pay down loan after 4 years Internet

I regret having to mention that this type of scam is not only legal but not even effected by the current credit reforms. You can pull a sneaky trick but legal to get a copy of the invoice by simply disputing the loan amount with a credit reporting agency. Legally they have to provide proof of the debt, but be sure you dispute the amount, not the debt! If you do the debt instead of amount all you get is the signed portion of the original contract.

It would be illegal to simply refuse to pay for the car any longer and the company can take the car. Civil law can be quite silly in relation to secured debt.

I would just call and say no more payments till I get an itemized statement, clarifying all these seemingly outrageous charges that left such an enormous amount owed after this long of a time.

Simple Interest Financing.  Look at your original contract and plug the numbers in to an Amortization Table.  You will see how the principle and interest is applied.  The table is only good if all of your payments are made ON or BEFORE the due date. 

If you payments are made late, then you will accrue additional interest.  The higher your interest rate, the more interest.  ... Also remember late is ONE day after the due date, not 30.  30 days late is when it is reported to the credit bureaus.