car loan charge off

I to have a car loan charge off. I have a 0 ballance with Americredit. They do not want my money, the car was charged of in early 2008. A recovery service came to pick up the car on labor day. They did not have a repo order, they simply wanted me to volontarily hand it over. I asked the young man for his biz card and he did not have one on him. He told me the ph# of the Co, he works for. I went into my apt and I called his Co. The lady I spoke to would not tell me who or what colletion agency she represents in the recovery of the car. I stated that I needed the ph# so that I may be able to work out a payment solution. She refused to give me the information. So I refused to give my car keys to there employee. He said thank you, call us if you decide you want me to come back and pick up the car. ? Does the recovery company have any leagle right to the car ? And if so, why did they choose not to exercise that right?