Contact your attorney general or your state senator for help. In this climate there is little patience with uncooperative banks, espeically those that have benefitted from TARP funds. I would even contact my local TV station, espcially if they have a consumer advocate who might be able to help. You have to be the squeaky wheel . . . not the shy mouse . . .to get things done!

If all else fails, cash it at a local check cashing place, as the cost will be less than defaulting on your car payment.