My loan was charged off 3 years ago and the bank took command over my truck. They recently told me they would "settle" for $5000 and give me the title when the loan itself was $8000. However, the truck is on my property and hasn't moved in 3 years. Can I charge storage fees for them not coming to pick it up? I'm only looking to free the truck from them and clear my name. What road shall I take?