My husband and I purchased a 2002 Toyota Tundra hrough Parker Toyota in Cda, ID in March 2005. We have been paying $576.09 per month and maturity date is April 15th, 2011 minus the 6 extensions we have had. We have had a hard time paying every payment on time, and found out they were/are charging us a $6.50 per day late charge, plus another $28.80 late charge. Our maturity date is April 15. 2011 and still owe $14, 000.00. They are charging us interest upon interest without any knowledge to us they were doing so. I called since obviously we cannot pay the balance in full and they may give us a year to pay it. We haven't signed a contract, nor had any knowledge of the per diem daily interest accural. They have never informed us there was a late fee if we were late. It has never been reported to the credit bureaus we have had a late payment. Again we have never signed a contract through Citi-Financial or Santander USA. I did talk to Parker Toyota where we purchased the vehicle and they did inform me, the contract was to be the same 72 payments of 576.09 . It's not, we need help. Our options are very limited, we have paid on this truck for almost 6 years, and it has not been easy. Now owing $14, 000.00 to have to pay in a year's time, there is no way we be able to do that. We eventually will end up losing the truck, it will be repossessed, and we still will have to pay the $14, 000.