K & C Budget Lot

I purchased a vehicle in March 2014 from K&C Budget Lot, and doing everything possible to keep my payments up because I was trying to build my credit back up. I put $600 down on the vehicle and was paying $170.00 every two weeks. My insurance lapped for 10 days,(you can't go through any insurance, you have to choose one of their companies that they supply from a list)and when I did get the insurance reinstated through [redacted] on Tues June 11, 2014, they had already repossessed my vehicle from my work place. I did not know it had been repossessed until I called to see if they had received my insurance by fax, because I received my information by email, and they told me they had my vehicle....I stated how am I suppose to get the vehicle back since I was at work, he said his boss (the owner) [redacted] said I couldn't get it back!!! I had to either bring the key in or $10,500 to pay the car off. I was not behind in any car payments so I didn't understand, he said, "I was a day late and a dollar short." And I want to know is this possible to repo the vehicle and make you pay the car off. I am very disappointed and I will be spreading the word about that car lot, and the owner "[redacted]" will not return calls to explain the situation to me. So I was wondering if I could possible get my down payment/payments back? I do not want the vehicle back. I have been asking for rides to work, such an embarrassment.