bike repo question

[T-buck]

well i called and talked to her today again to ask if she would at least give me a lil more time to come up with the money. she said no. they i asked about this repo fee they wanna charge me even tho they didnt repo it.

she was thinking they did repo it and i told her no they didnt it in pieces i still have it. then she was kinda shocked cuz the whole time we was thinking they repoed the bike.

so then once she knew i had the bike still and it was in pieces then she goes oh well yeah we can give you another week to get the money and was all like well im on your side with this loan trying wanting to help you out. hahaha

so this whole time she was thinking they had the bike thats probably why she was being a bitch about the whole thing.

so good news is i have another week to get money for it and didnt have to take it apart. haha

but what i dont understand is they still want me to pay 400 for the repo fee for the bike they didnt recover. sucks cuz i have the money to get the loan up to date but not the other 400 for the repo fee. can they really charge me for that???