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None. On XXXX my ex-husband and I purchased a used car for our XXXX year old daughter. Due to some past credit issues, I was limited to where I would be able to obtain financing. My daughter and I found a 2012 XXXX. My ex-husband gave the dealership a cashier 's check for XXXX from his XXXX XXXX XXXX XXXX Account. I contributed XXXX case for a total down payment of XXXX. Payments were set up to be drafted from my account bi-weekly with the first payment scheduled for XXXX. I had been alerted to a situation with a coworker that involved XXXX XXXX repossessing her vehicle before the first payment was due. However, I dismissed this as a simple human error. However, on XXXX, I checked my account to make sure that the payment had been drafted. Oddly enough, on that date, I had a missed call on