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Patience1974 · Aug 9, 2012, 08:35 AM

I have finaced my truck with my x boyfriend. It is reg to me we are co borrowers. Who does the truck belong to? Can Either of us take it from one another. I have made all the payments.

smoothy · Aug 9, 2012, 08:40 AM

Who has their name on the title? Not the registration, that's different. I assume both, that makes it both of yours legally

Is it paid off yet? If its not could you get a refinance based on your own credit history.. or pay it off? If you can prove you made all the payments... and you have split up.. try taking this to court... if you can prove you make all the payments you are likely to prevail..

Patience1974 · Aug 9, 2012, 08:43 AM

It isn't paid off. So I don't think we have the title I believe the finace company should have it. Until it is paid off. I can prove that I have made all the payments. I think he has made 1...

smoothy · Aug 9, 2012, 08:51 AM

The finance company likely has a LIEN on the title... if you didn't have a title how did you get it registered? It matters a great deal WHO has or doesn't have their name on the title.

For example... if HIS name alone was on it... its his... even if you paid every dime.

Patience1974 · Aug 9, 2012, 08:57 AM

The dealership reg it right there for us... I am not really sure. I may not know where it is but I am almost 100% positive he has no idea where the title is. So I guess I need to find out where I get that. I know in the past with my last vehicle are credit union kept the title until we paid it off. Though I didn't use the credit union again. So I don't really know. I am pretty sure they have to hang on to it cause they own it until I pay it so if they want to take it for non payment and re-sell it they can..

smoothy · Aug 9, 2012, 09:03 AM

That all sounds odd unless you buy vehicles from the bottom feeders that sell the junk nobody else will buy to people that nobody else would extend credit to.

I've bought and sold cars for over 30 years now... and I always had a title on a car I financed... it had a lien but I got the plates from the DMV myself. The finance company released the lien when it was paid off.

Plenty of reason here to show why you never buy anything of substantial value like a vehicle or a house with someone you aren't married to.

Gets ugly and sometimes complicated as you are seeing here.

THe Finance papers only show who agreed to pay for it... not who actually owns it... they can be totally different people. And that Title is the document that determines who owns it.

Registration doesn't prove it either... I Once drove a car that was titled to my brother... but I had insured and registered under my name... (long story there but it was a favor to him)

Patience1974 · Aug 9, 2012, 09:07 AM

Very interesting...

So When I bought my first car that I did get the title to. It was through a very reputable dealer... Though this new one... Not so much. It was a bottom feeder. We were in a pinch and well needless to say now I am in a major problem. Now I have to say. I know someone who sells cars for a living and she says that they "reg" them right through the dmv through there computers at work. Could this just be diff state to state?

smoothy · Aug 9, 2012, 09:34 AM

Originally Posted by Patience1974

very interesting...

So When I bought my first car that I did get the title to. it was through a very reputable dealer... Though this new one... Not so much. It was a bottom feeder. We were in a pinch and well needless to say now I am in a major problem. Now I have to say. I know someone who sells cars for a living and she says that they "reg" them right thru the dmv through there computers at work. Could this just be diff state to state?

Possible... I've only lived in a few states, I don't know everything about all of them... and these guys sound like THEY still own it until its paid off, not transferring until its actually paid in full... unlike the usuall case when you do but with a lien.

But I do know something about the bottom feeders in the State of VA... how and why they do it the way they do. And they are justified due to the high risk I've seen there, many of these people (their customers) don't believe the bills come before their personal wants.. ( Know people well in the Auto business, including an owner of one of these places well enough to know it intimately).

What state is this in specifically... maybe someone more familiar with your specific state that reads this can offer up something more specific.