I purchased a car and put my roommate's name on the loan. I live in Lubbock, TX. The car company told me that if his name was on the loan, then his name is on the title. I purchased the car 4 years ago, and I was trying to help him with his credit status. I was paying all the payments.

I have not seen him in about 3 years. Before he left town, the car dealership gave me a waiver for him to sign, and the waiver said that he was giving up his rights for the car so that he could not go to my house and pick up the car.

However, the dealership lost the waiver, and the loan has been bought out by a company called Car Financial, supposedly in Coppell, TX. However, I cannot find them on the internet.

My question is - I am about to complete my car payments, and when I receive the title, his name will still be on it. This would mean I could not sell the car without his signature.

I have no idea where he went, where his relatives are, or any idea of how to contact him. How can I get his name off the title?

Who bought the car? It doesn't matter who paid for the car, only who actually registered as being the owner of the vehicle.

Good morning, and thank you for responding! I am an HR manager, and had an employee come to me with this problem. She has gone home, so I hope I am saying this correctly.

When she bought the car, she put hers and his name on the loan (which I am guessing means the title, also). So, it is as if both of them own the car.

When the loan is paid up in a few months, she will end up with a title with 2 names on it - hers and this guy. She has no idea where he is, so we believe that means that without his signature, she could not sell the car.

She has no idea how to find him either; it's been about 3 years since she's seen him. He has a very common name, so when I tried to do a search for her, it came up with thousands of Tommy Campbells.

I saw where you are in England - are you familiar with our state laws in Texas? I don't normally deal with these types of laws - just employment laws.

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Originally Posted by dlemma

Good morning, and thank you for responding! I am an HR manager, and had an employee come to me with this problem. She has gone home, so I hope I am saying this correctly.

When she bought the car, she put hers and his name on the loan (which I am guessing means the title, also). So, it is as if both of them own the car.

When the loan is paid up in a few months, she will end up with a title with 2 names on it - hers and this guy. She has no idea where he is, so we believe that means that without his signature, she could not sell the car.

She has no idea how to find him either; it's been about 3 years since she's seen him. He has a very common name, so when I tried to do a search for her, it came up with thousands of Tommy Campbells.

I saw where you are in England - are you familiar with our state laws in Texas? I don't normally deal with these types of laws - just employment laws.

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Sadly, no.
I'm not any kind of expert. :o

It might be a good idea to put this question in the "Cars&Trucks" section - I'm sure this is not a unique problem, and someone will know how to resolve it.

It occurs to me that the original loan provider must know the name of the present loan company - it would be worth giving them a call to see if they can find it in their records. Presumably, they would then be able to provide his name and address.

.. But I'm baffled as to how anyone could not have the details of the company they are paying money to! I'm sure it must be on Dlemmas bank or credit card records.

I shouldn't think it would be difficult to resolve the matter in court since she (Dlemma)
Made all the payments; I'm sure Dlemma must have bank-statements or credit-card statements proving that all the payments came out of her account.