V
Vermont Montgomery
Guest
- Jurisdiction
- Texas
I purchased a car from a dealership. I use my bank to finance this. Time went by and I was never charged for my first payment. I called the bank to see what the problem was and they told me everything was okay and because I'd set up automatic payments that it would just be deducted next month. The next month came and still a payment wasn't charged so I called the bank again and again they told me everything was fine. A third month went by and I called the bank and ask them if they received the title for the car that I'd financed and they had. They said however there was no record of a loan in their system and that the title they had been issued to me with the bank as the lien holder would be released to me. I've called the dealership 5 or 10 times and nobody's returning my call. So I have the car and the title issued to me, I have not paid a dollar for this car, the bank has no record of a loan, and the dealership won't return my phone calls. I wanted to understand the legal recourse of the bank and dealership with regards to the vehicle that I hold the title to and they have no record of.