"Consumer Portfolio Services" And "The Finance Co." CPS SCAMMERS IRVINE , California

My boyfriend financed a car through CPS back in June of 2006. The loan was SUPPOSED to be for 17,000 and was a four year loan. It is now coming up on four years and they are trying to say we still owe them 13,000. Just this month, they took two payments out of my checking account, unauthorized, and now they won't even speak with us over the phone. When I realized they took the money, I called them to ask why and how they justified taking out two payments. Their response floored me. They told me that we had set up a deferred payment and that they did not take out any money. Well, little do they know I have record of their withdrawls through my bank. Now, as soon as we say our names they hang up on us. We are just so fed up with all of their nonsense and do not know where to even begin. I feel like they are just scamming us out of money. I know that the interest rates are high because he did not have any credit at the time and had a hard time finding someone to finance him. There is no way possible that we are still in debt to them 13,000. I would love for someone to give me some advice on where to go from here.