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Ok i will make this short as possible. I live in the state of California, I financed a vehicle which was co-signed by a friend at the time..Him and I are no longer on good terms, I drive the car, I have paid every cent since I financed it..I am on the verge of paying off the remaining balance, however I am worried that he can receive the title and try to take ownership of it over me. How can I assure I receive the title and for it to be mine and completely rid of him? I spoke to my dealer and he was completely unsure of the situation and didn't really tell me anything other than the once the car is paid they have no interest in what happens. As of now Wells Fargo still owns the car and has the title, On my registration it says MY NAME indiana HIS NAME....I will pay it off with my money and want to have full ownership of it...thank you for any advice.
Entidtil, I'm pretty certain it's not owned by both of us...he just put up his credit to help me get a better interest rate...I'm more leaning towards it being an "OR" case, As much as I want to just be all mine I'm not sure if it is...I will call again to find out but Wells Fargo did not seem interested in helping me at all.
The co-signer on an auto. loan has absolutely nothing at all to do with the legal owner of the car and the name on the cars title. The co-signer of a loan simply promises to pay the lender if the signer doesn't. You must look at the title to see who the owner is. If it is just you, there is no problem. If it is you indiana your former friend, (the important word here is "OR") you have no problem providing the title gets sent to you. If you were foolish and listed it as you AND your former friend then you and he share ownership and one cannot sell the car without the signature of the other.
If I were in this situation, I would contact the actual company that is handling your loan, it could be Wells Fargo or they could be using someone else with regards to the actual paperwork in terms of the loan. You may want to withhold your payments, at this point, just to be on the safe side. Look for the paperwork that was given to you/your "friend" at the time the loan was issued. You'll need the information about the account number etc, etc. to be able to provide this info when you talk to them. When you do actually get a hold of the right person to talk to, ask them questions about your account and the terms of the loan and other concerns you might have. When you register your car at the DMV, It doesn't matter that it's in your name or his name. That doesn't effect ownership, the DMV is only concerned with whom is responsible for registering the vehicle in the State. For example - Let's say that the car got ripped-off and was used in a felony crime scene and was identified by the police. They would contact you/your friend for further info about the car as part of their investigation. Does it matter who owns the car ? The police are just investigating a crime looking for information. I have had to get a co-signer for a loan in the past and for the most part, they would send the title to the party that the loan was issued to (you). The co-signer is necessary because the "bank" didn't want to issue a loan in your name, exclusively BUT was willing to loan you the money IF somebody else made the payments IF you did not. If you had in fact made the payments on time and there isn't a default on the loan or some other type of issue, with regards to the loan, then you should be in the clear. That's how these things work. If the bank is concerned about payments that haven't been made, then you got problems and you might have to seek legal representation.
What matters is whose names are on the title and how is that worded. Ordinarily a co-signer has no rights to the vehicle, but the way registration is strangely worded, it sounds like it might be joint ownership where either party alone could sell it once paid off, and anyone's guess who the title will be sent to when the lien is signed off. It would be best to contact Wells Fargo to find out for sure. "Hopefully" if your address is on loan documents (payment book or statements) it would be sent to you.