Dad had bought vehicle, he died. He had applied for the credit life(which didn't go through). Someone signed off title and sent to my mom(department of motor vehicle and lawyer, say it's a clear title. Company now keeps calling her telling her they are going to turn her over to collections(only 3 payments were made), and that the title they sent her is a temporary, that they will make a new one if she doesn't send that one back. I am her daughter, and I feel like someone at company messed up(big time) and that the vehicle does belong to her now.
2006-12-20 13:05:56 · 9 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
If they released the title, she has the right to transfer ownership. If the finance company applies for a duplicate title after sending the title to you (or your mother) it can be considered fraud!
There is no such thing as a temporary title!!!
It sounds to me as if someone released the lien, and is not trying to cover their rear about the mistake!
Mom owns the car!!
2006-12-20 13:24:48 · answer #1 · answered by fire4511 7 · 0⤊ 0⤋
First GMAC is not a dealership or Auto Companmy (GM, FORD, CHRYSLER, HONDA etc). However they are a finance company
General Motors Acceptance Corporation. If your father got a line of credit from GMAC, and made 3 payments, there is still a lein on the vehicle. Just because the DMV or dealership neglected to add the lein on the title, does NOT mean someone doesn't owe the payments. Your Dad signed a legal contract when buying the car, and owes the finance company (GMAC) for the car. And yes, GMAC can and will have a duplicate title made up adding the lein on the title, if you don't send them the original you have. Actually when/if you send them the title, they will get a new title with the lein on it, and once paid off, the owner will get the title with the lein stamped paid in full. Even IF someone from the leinholder signed off on the title in error, it was a mistake, and unless you can prove the car has been paid in full (and 3 payments does not sound like it has been) they have the legal right to send it to collections. The car has not been paid for. Simple. If you have records like cancelled checks etc, that prove the vehicle has been paid in full you will be fine. But if there is still money owed on the car the leinholder (GMAC) needs to be paid in full before the car is yours/ your Moms or another family member.
2006-12-21 11:09:01 · answer #2 · answered by just me 6 · 0⤊ 1⤋
Something's not kosher here.
If your dad bought vehicle outright, why does he need to "applied for credit life"? If he bought the vehicle on credit, and died after only making three payments, there's still a lien on the title, and the vehicle can be repossessed.
Check the title certificate carefully.
2006-12-20 17:05:09 · answer #3 · answered by Kasey C 7 · 0⤊ 0⤋
No a dealer cannot. It is out of their hands and not their problem. Go to the d.m.v. and ask the clerk to run a title search on the vehicle. Your explanation of the problem is not totally clear but it matters not.... Write down every phone call you make or take include who you spoke with and what was said and the date. Keep those records in case you ever have to go to court. The clerk at the d.m.v. will tell you how to handle it. I cant give you any further advice with confidence due to not knowing exactly what has taken place. But trust... the d.m.v. WILL tell you who is the rightful owner...Okay ? Good luck and Im sorry about your Dad.
2006-12-20 13:24:31 · answer #4 · answered by perrin501 2 · 0⤊ 0⤋
The absolutely free reverse vin check sites generally provide fake information. To get real information, money will have to be paid. The free searches provide fake information so they can get your email address to send spam.
Stay away from shady reverse vin check sites, most likely you won't get any information after you make the payment. Not to mention you won't get a report and you won't get an answer if you try to call for a refund. Stick with a reputable reverse vin check site like http://www.reversevincheck.net that has been around since 1995.
2014-09-25 08:17:07 · answer #5 · answered by Anonymous · 0⤊ 0⤋
if your mom holds the title and it shows no liens on it is hers clear and free. the company did screw up and now they are just trying to scare her into giving the title back. DO NOT SEND THE TITLE BACK it is hers. i was sent a clear title before when i bought a new car in 1974 while in the service, i never payed a dime and the company had no legal way to get it back and they didnt
2006-12-20 23:06:27 · answer #6 · answered by rodney c 1 · 0⤊ 0⤋
Start with a carfax. This will tell you what state it was last registered in,repo'd or stolen from. You may be able to contact New Jersey DMV investigations and get some info on the selling dealer. Explain the situation, show the receipt and the carfax. Good Luck.
2016-05-23 02:47:49 · answer #7 · answered by Alison 4 · 0⤊ 0⤋
a replacement title can only be gotten from the department of motor vehicle registration in your state with proof of ID and ownership
2006-12-20 13:10:10 · answer #8 · answered by ranger_girl 4 · 0⤊ 0⤋
Just get a new title for this vechile or make sure the car didn't have any problems when your dad was a live.
2006-12-20 13:12:27 · answer #9 · answered by Good Grief 4 · 0⤊ 0⤋