Sorry it took so long to reply...
If you never received any paperwork then that is considered an illegal repo and there should be
no deficiency balance due.
I will try to come back later and post more info for you but if you look at your states UCC (Uniformed Commercial Code) Article 9, it will give you info on the notices that were supposed to be mailed to you after a repo.
Has anyone (CA or OC) tried collecting on the repos or have you been served or rec'd a judgment regarding these?
Let me know and then I will try to post some info for you to try and take care of those.
