Ok, so clearly the opinion is out on Topco Financial. They are truly scum bags. First off, I want to agree with all that has been said about their practices. It is amazing to me that in the year 2012 this kind of stuff is still allowed to go on. I see that they had a settlement against them in 2009. It would have been nice if that put an end to their inhuman practices, but to no avail. Clearly you have to be a rare breed of human to work there. As recent as October it looks like they are still up to their scum bag practices. The one thing I do want to tell everyone that might be reading this is to protect your self. You are going to go through a lot of crap with these people but you can fight them. If I could go back and do it again I would take the following precautions.
1st: Tape EVERY phone call. It would be worth the few bucks you will spend on a phone that you can tape conversations on. I think you have to tell them that the call is being recorded but trust me when they know it; they are all kinds of nicer. The last time I dealt with them on the phone, I recorded it and he could hear the beep telling him that I was recording. He never said a cross word. That was a huge change since before this; I had all the experiences that everyone else had. Being called names, threats, etc.
2nd Keep a written log of EVERYTHING that is said, mailed, called, whatever. No matter how small it may seem, just do it! I still have my stuff and this happened to me in 2007. I wish I would have known about the law suit in 2009 I would have participated. Write down the time you called, who you talked to, what was said, etc.
3rd Mail EVERYTHING certified mail or registered or even signature confirmation and keep a backup copy.
I sure hope that this helps someone out there. I would understand it if some day on the news someone actually went off and did something horrible to these people. My situation was the car that I sold being towed and no one EVER tried to contact me. It is clearly a scam between Topco and the tow companies. They should be ashamed but it is clear that they are not. I have a perfect credit record and they were the only ones that ever appeared on it as a negative. I was able to get it off once I supplied all of my proof. I hope you can do the same. Good luck!