Towing Issues: Repossession nightmare, ford motor credit, ford f 150

Question
I have a 2000 Ford F-150. It was recently reclaimed by Ford Motor Credit. I live in Griffith, IN. I was very close to paying off the loan. I fell behind on my payments. The truck was repoed by Peter P. Recovery. The issue is this was a high performance truck. I had a Vortech Supercharger, along with a Diablo performance chip. Within hours I begged and borrowed to get the money to get my truck back. I was told by the tow truck driver that I had 21 days to get it payed up before it went to auction. The truck was in Peter P's possession in Gary, IN. I payed the truck off within two days. When we went to pick the truck up, the first thing I ask them is if they made keys for the truck because i did not provide them with keys because I was not asked for them. I was told "NO". When I tried to start it, everything sounded like it wanted to start but wouldn't. I have never had a problem with that truck starting.  Next thing the tow yard did is hook jumper cables to the truck next to mine that was also repoed.  They tried for almost an hour.  Nothing worked.  Then the guy helping me got a call and stated they DID make keys for my truck.  He went inside and came out with keys and those keys did not work.  He then brought out this little black box to program key.  He was told to re program new keys.  For another hour I was there waiting.  This didn't work either.  I have never seen a "little black box" to program Ford keys before.  I then had the truck flatbedded to the Ford Dealership.  The next day they told me the PCM was fried.  That is why the keys would not work to start the truck.  The dealership also told me once the new PCM was installed that would be able to tell us why the old PCM was fried.  Nothing showed on the dash that anything was wrong.  So what could of been the start of this problem because we are far from being done putting the supercharger back together.

The Ford dealership also stated the keys they tried to make were the wrong ones.  If this is a good company, why did this happen?  First NO keys were made then yes they were then -  make new ones????  Somethings not right here! The truck would not even turn over after they used the little black box.  At that time I did have another tow company there that I know and they also repo and stayed with us for the last hour of waiting.

The tow company told the Credit Company he asked for keys and I was her with my daughter.  He NEVER asked.  We sent the credit company a signed list of names of people who just seen the truck at work the night before this mess happened.  Also the gas station I stop at almost every day to get Premium Fuel - pop and snacks stated they would sign anything stating this truck ran every time I went to work.  The payoff on the truck was a little high but the truck WAS well taken care of and worth the extra.  But now it needs alot of work to fix since the towing company took it into their possession.  My question - who is liable for the repairs to my truck?

The finance company said if there is a problem caused by the towing of the truck the tow company has insurance.  But what if the problem was when they "jump started" the truck or messed up in programing keys wrong?  Who is liable?

Answer
Well this one sounds a bit like a big problem...
First of all yes, repo companies and tow companies have insurance to cover problems and accidents..  But at times to get them to use it is a major headache... Lots of run around trying to get you to forget the problem.

Now the problem could be the key programming, but not really likely.. They usually just have keys that will not activate the anti theft features..  But if they jump start the unit wrong or use a "bypass box" then it can open up all sorts of problems

I would talk to the repo company and see what they are willing to do, but do not expect much...Bring in the finance company and they might be a bit more helpful then as they would not want to lose their customer..

BUT also be aware that the finance company does want the vehicle picked up and sometimes damage happens to the vehicles and they tend to look at some of it as a  risk for getting the vehicle back.