Red tape and sticky situations...
So, when I went to trade in the Sebring, I couldn't find my title. I would have expected it to be in the envelope where I kept all of my paperwork for the car--but neigh. I got to hear my mom say she knew this would happen. I really need to be more careful with my paperwork. Charming.
I went to the DMV close to where I live, got there before they opened, and there was already a line of about 10 people. Wait my turn, tell them I need a copy of my title, and am told that their notary public is gone for two weeks--come back then. But I can't wait two weeks!
After doing a few other things that couldn't wait, I go to a DMV that is fairly close to me. The girl there is very nice, and as she looks up my title to get the needed info, she tells me that the bank that my loan was through never released the lien. Nice. She kindly tells me that this happens from time to time, and it doesn't mean the loan isn't paid in full, but that someone just forgot to release the lien. Go to the bank and get a lien release. We'll do!
I call the bank and ask them if there is any chance they didn't send the title, and they tell me to go to any branch and get this taken care of. (The branch the loan was through is about a half hour away).
I go to the nearest branch, wait in line, get to a teller and am told to talk to an account manager--who is hiding in the back, which is why I didn't go to him to begin with! He calls the branch, and tells me that they show there is no lien.
I know there is no lien, I know the loan is paid off, UNFORTUNATELY, the state doesn't know this. That, at this moment, is all I am really concerned about. No problem, they will give me a release of lien, and won't even charge me to have it notarized! Lucky day! I ask them to call the same branch and make sure that the title isn't still there. He calls, and they tell us that their records show it was mailed the day the lien was released. BUT THE LIEN WASN'T REALLY RELEASED!!! Please, physically go back there and check it for me.
No need to, ma'am, it shows it here on our computer--it was mailed to you almost 3 years ago!
I can see there is no getting through to them that:
a.) I have no confidence in them.
b.) They messed up the lien, there is a really good chance they messed up the title.
I just take the lien release, mumble a lot, and go back to the DMV, which had no line the first time I was there, but now has a very long, slow moving line.
I finally get up there, get my paperwork filed, and pay my $11.00. It is going to take 12 weeks.
Wha? My paperwork for the new car isn't going to be released until they have the title for the Sebring! What the heck am I going to do???
Luckily, I have an awesome salesman who got my paperwork released for me. WHEW!
I still think that bank never sent the title to me!
I went to the DMV close to where I live, got there before they opened, and there was already a line of about 10 people. Wait my turn, tell them I need a copy of my title, and am told that their notary public is gone for two weeks--come back then. But I can't wait two weeks!
After doing a few other things that couldn't wait, I go to a DMV that is fairly close to me. The girl there is very nice, and as she looks up my title to get the needed info, she tells me that the bank that my loan was through never released the lien. Nice. She kindly tells me that this happens from time to time, and it doesn't mean the loan isn't paid in full, but that someone just forgot to release the lien. Go to the bank and get a lien release. We'll do!
I call the bank and ask them if there is any chance they didn't send the title, and they tell me to go to any branch and get this taken care of. (The branch the loan was through is about a half hour away).
I go to the nearest branch, wait in line, get to a teller and am told to talk to an account manager--who is hiding in the back, which is why I didn't go to him to begin with! He calls the branch, and tells me that they show there is no lien.
I know there is no lien, I know the loan is paid off, UNFORTUNATELY, the state doesn't know this. That, at this moment, is all I am really concerned about. No problem, they will give me a release of lien, and won't even charge me to have it notarized! Lucky day! I ask them to call the same branch and make sure that the title isn't still there. He calls, and they tell us that their records show it was mailed the day the lien was released. BUT THE LIEN WASN'T REALLY RELEASED!!! Please, physically go back there and check it for me.
No need to, ma'am, it shows it here on our computer--it was mailed to you almost 3 years ago!
I can see there is no getting through to them that:
a.) I have no confidence in them.
b.) They messed up the lien, there is a really good chance they messed up the title.
I just take the lien release, mumble a lot, and go back to the DMV, which had no line the first time I was there, but now has a very long, slow moving line.
I finally get up there, get my paperwork filed, and pay my $11.00. It is going to take 12 weeks.
Wha? My paperwork for the new car isn't going to be released until they have the title for the Sebring! What the heck am I going to do???
Luckily, I have an awesome salesman who got my paperwork released for me. WHEW!
I still think that bank never sent the title to me!
posted by Beth at
9:30 PM
5 Comments:
Of course they never sent it to you..you would never put it somewhere and forget where. Now, would you?
Glad it all worked out in the end.
I was going crazy looking for my title when I traded in my car last Fall but I finally found it. I am usually very good about things like that. I don't know what happened.
Talk about a mess....when we went to go get our house, the dealer that Mark had bought a car from showed a reposession. We had to do a lot of leg work on that one to get it all fixed on his credit. I still think that it shows up til today on certain things. I get a loan quicker than he does. Men!
By
Anonymous, at 4:14 PM
Ugh, how frustrating! I never got my title from my bank, I know that for sure! I think I should think about getting a copy of it now, though, huh?? Geesh!
By
Anonymous, at 7:47 PM
Linae--
Get thee to the DMV! :)
And Marie--you know you REALLY have 3 kids, right? But you take care of all of them very well.
:)
By
Beth, at 8:21 PM
Hi Beth! Important question....what color is the Santa Fe?
When I just traded my TrailBlazer they assumed the bank had the title. Sounded good to me. I loaded everything from the glove compartment into a paper sack and off I drove in my new car. Luckily I went through the sack soon after I got home (normally I could leave something like that for several weeks) and low and behold, there was my title. Right there in the vehicle with me all the time. Hmm...prolly not a good idea. Now...I wonder where the title of the new one is? Will they send it right to the bank? I should check : )
By
Anonymous, at 8:20 AM
Patty--
CHECK O THE TITLE BEFORE IT IS TOO LATE!!!
The Santa Fe is silver.
The big trick now is naming it.
Yes, I am one of those people who names her cars. This is only my 4th car, believe it or not.
I had, in order, the Monty-mobile (Monte Carlo), Reggie Regal, and Sammy Sebring.
What do you name a Santa Fe? At first I thought Jose Santa Fe, but it doesn't roll of the tongue. Oh, it is the BIG decisions like this that throw me for a loop! :)
By
Beth, at 1:37 PM
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