Oh and you mentioned you are making payments. You are in a better position than if you had paid cash. Your creditor lost its collateral, check with them and I pretty sure they will jump in with you to get their collateral back.Wow. Unbelievable that you are in this predicament. That picture is your ticket to a new Jeep. But I would add to the complaint damages beyond the Jeep. Third party says inconclusive, while under warranty and they decided you are guilty. That’s completely backwards. Any good lawyer in the field would take your case with no charge to you.