In 2005 i bought a brand new car. My dad signed and i co-signed because i was only 18 at the time. I have been on his car insurance ever since then and i pay for the car every single month. About 2 months ago me and my dad got into ahorrible fight and I took myself off of his car insurance policy and got my own. I do not live with him, i like with my fiancee. I will be married on saturday, then me and my husband will have our own car insurance together. Well my dad called me and left a threatening message saying i need to trade my car in and get a new one that is mine and only mine, because he owns that car and he doesnt want me having it! Is there anything i can do about this? Can i get it transferred into my name without him? Thank you very much!!
2007-07-05 04:45:15 · 25 answers · asked by afireinsidexxx77 3 in Cars & Transportation ➔ Buying & Selling
Guess your Dad will NOT be giving you away on Saturday.
2007-07-05 04:48:16 · answer #1 · answered by Anonymous · 2⤊ 1⤋
Sweety i'm gonna tell you exactly like it is. you can forget what the dealership wrote on those papers, you can forget who makes the payments, it doesnt matter whose name the insurance is in.
IF YOU WANT TO KNOW YOUR RIGHTS TODAY.
As some above me stated, You look ON THE TITLE for this vehicle If YOUR name appears on the title, you own an interest. If it says daughter AND dad he can't take nor sell, in other words transfer, the car without your signature, neither can you. This includes modify or alter any existing paperwork. IF it says daughter OR dad either may sell, trade or modify without consent of the other.
Having said that, if you dont have the title the names will appear on the REGISTRATION, which you should have in your possesion, as most states require you to carry it in your vehicle.
This is the determining factor in who has CONTROL of the vehicle, which is what you want to know. If only ONE name appears on the title/reg the other party has no legal rights, except,
the past monentary issues (payments/insurance) could be examined by a court, if he is now able legally to take, or force you to surrender the car.
(to clarify, if he can take your car you could then take him to court, with your proof that you were the one actually paying for the car, and he may have to reimburse you those expenses).
I guarentee in the end you will find this advice correct. Good luck
2007-07-05 07:51:51 · answer #2 · answered by dpeslinger 1 · 1⤊ 0⤋
If he is the primary owner, I think he could at least make some problems for you, if not actually take your car. You might want to check with the agency that lent you the money and see what they advise. You may be able to take a loan in your own name, pay off the original note and then have the ownership in you own name. With your dad so antagonistic tho I don't know how that will work with the title. Best talk to the lender, at this point they are your best help
2007-07-05 04:56:21 · answer #3 · answered by Kathi 6 · 1⤊ 0⤋
Couple of questions: Is the car paid off or is it still under a lein? Who's been making the car payments? If it's you then I would suggest you call the bank that holds the title to your car and request refinancing in your name (taking your dad's name off the loan). If your dad has been making the payments then there isn't anything you can really do except see if your bank will give you (and your husband to be) your own car loan and buy your dad out.
If the car is paid off and titled in your dad's name then legally it is his and he can take it from you. Good luck.
2007-07-05 04:54:51 · answer #4 · answered by Anonymous · 1⤊ 0⤋
The first name on the title is the legal owner of the car. If both names are on the main area of the title, then both co-own the car. The name(s) on the car LOAN are responsible for the loan on the car, which is using the car as collateral.
Not making payments on the car will make your dad's credit suffer, and YOU, as co-signor, will still be responsible for the car, plus the car will be repossessed by the bank, so you will still be out of a car, plus your credit will show a repossession. Your dad's credit will suffer, but not as much since he has a longer, stronger credit history.
Either have the car's title and loan legally changed to show your name, or trade in the car. You can most likely get a less-expensive one that will be in your name, or yours and your soon-to-be husband. If the car is in both your names, you will need both signatures to sell/trade it, but in the long run, it will bring some peace, plus it will help you make a mature decision.
2007-07-05 05:02:49 · answer #5 · answered by bethanne 6 · 0⤊ 0⤋
Alright you cant do anything about it and techinically you shouldnt be off of your dads insurance, if the car is in his name first and YOU CO-SIGNED he is the primary owner and it doesnt matter who actually paid. If you get in an accident being on your own insurance they can turn down your claim because the car is in your dads name and should be on your dads insurance!!!! And you cant sell the car or trade it in without your dad signing off but he can sell it with you signing it.The only way out of this is to make amends and have him sign off the title and get a new car in your OWN name!
2007-07-05 05:07:07 · answer #6 · answered by jlm8605 2 · 0⤊ 0⤋
Sounds more like your dad co-signed the note.
IF his name is NOT on the title and your name is the only one, he cannot do a damned thing. If he is the only one on the title, he owns the car and you can pay the note or not.
He is responsible for the note if you fail to pay but nothing he can do to take the car, unless he is the sole title holder.
2007-07-05 04:54:23 · answer #7 · answered by ed 7 · 0⤊ 0⤋
The car belongs to your father. He was smart on that account. Normally you would sign and he would cosign making him responsible if didn't pay for the car.
Give the car to your dad and make him pay for the rest of it, since it's really his car to do with as he pleases. Imagine getting screwed by your dad on something like this.
STOP making payments on the car.
2007-07-05 04:54:49 · answer #8 · answered by Panama 4 · 0⤊ 1⤋
just go with your dad and refinance your vehicle with you bank or the credit unions are very good.
put it only on your name, and if you credit is not strong enough then your new husband can help you out.
good luck
honey! ive been reading all the answers and i think that the best person to resolve this is lienholder (the bank that owns the car) and refinance with them anyways your dad have to be there because the car is not only on your name, so if he is the first on the vehicle he is the one that have to sign everything to put it on you name.
good luck again
don't go to court!! he is your dad and things are going to be fine in the future
2007-07-05 07:26:10 · answer #9 · answered by Desyeni 4 · 0⤊ 0⤋
Who has the loan on the car is irrelevant. The real question is who's name is on the title and registration. If the car title is in his name, you need his signature to get it transferred to your name. If the title is in both your names and you can prove (through receipts) that you have paid for all of it, you may be able to get it him removed through a court order.
2007-07-05 04:50:50 · answer #10 · answered by Truth is elusive 7 · 0⤊ 0⤋
Read the dealer contract, maybe in any place is your name as the car owner. Also, can you probe you make all the car payments? If yes, go to the car dealer and speak with a manager, not with a sales person, and show him copies of the payments. If any this things works, Way no make peace with your father?
2007-07-05 04:56:08 · answer #11 · answered by Rebekha 3 · 0⤊ 1⤋