Absolutely Horrible All The Way Around!

First they sent me payment books every few months changing the amount of my car payment, when I called to verify they assured me that the new payment book was correct. 3 years later I called to get the payoff on my car I was told that I owed more for the car then the initial loan.They had been placing insurance on my car without notifying me. I already had insurance on my car I had to send all declaration pages for my insurance for the last 3 years! After tracking down all the info and confirming with my insurance companies that Lake Trust was recieving these insurance docs the past 3 years, I sent in the docs. I have provided the same insurance docs 7 times now since then and they still are not taking the money off my loan! I recently learned that they are reporting me over 80 days late on my car. I called and they stated that I have not been paying the full amount of my car payment. I told them that I have always paid what the coupon said they said there were never any other payment books sent to me, so I had to dig up a coupon and fax it to them. Only then did they admit responsibility but it took them months to change my credit report and they did not change all of it! I recently set it up to have my car payments Direct Debited from my account so I had a better tracking system when dealing with them. I paid my car payment a month in advance so it was not due until Dec. 2nd. In Oct. I saw on my bank statement a pre-debit notification from Lake Trust. I called Lake Trust and they assured me that no payment would be taken out in Nov since it was not due, they said that they were verifying the account was valid. Well I found out that they did try to take a payment for Nov and I was charged an overdraft fee from my bank! When I called Lake Trust the rep said that the form originally said to start in Dec but it was changed to Nov after I signed it! She proceeded to tell me there was nothing she could do because they did not charge me the overdraft fee,my bank did so take it up with them! Very POOR customer service! I would trade my car in so I no longer have to deal with them but I owe more than the car is worth because of all the insurance charges they wont take off! Nothing but problems from the beginning! Do not do business with them!