I recently bought a truck and the loan company then charged me again almost a month later. I called them up and they told me sorry they had a glitch in the system.. Well I had payments going through that I was pissed off about but they said they would pay it back so they did but they also gave me and extra payment ( at the same time my loan is paid off in full by my new truck company. Soo can I legally keep the second over payment without paying them back now that they asked for it back???). ( I feel like if I transferred 500 to a random person they would not give it back its un transferable right)????