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...only for those who take out loans? I moved from Pennsylvania to Oregon, and am trying to register my car. The guy at the DMV told me to call the bank noted on my title because there was no signature verifying that I'd satisfied the lien. But I paid for my car outright, so I'm wondering if that's why there was no signature.
My suspicion is that the former owner had the lien and it was not repaid before you bought the car - the cash purchase has no relationship to a lien.
How & why is there a bank listed on your title if you bought it outright ? If there were a lien on it, the title would have went to the lender who would have then signed off on it to release the lien. If your title is like that and doesn't require a notary, just write in someones name and date it, lien released. That's not the ideal way to do it but no bank should be on your title if you paid cash either.
Think back to when you bought the car. If you paid for it in full, you should have gotten either a new title document with your name on it, or have the old title with the back filled out saying YOU are the new owner and the preceding owner or lien holder was paid off. But apparently that did not happen, so you have to go back to the old owner or bank and get this cleared up. They should be happy to finish off the paperwork. Think of it as a learning experience.
You need a reciept. If the seller had a lien and did not pay it off, The bank still has a lien. If he sold you a car with a lien, that is theft. You better hope it is paid off. If the seller skipped and you can't find him, you are screwed.
NO LIEN ON THE CAR BUT BANK WONT TAKE IT OFF MOST F THE TIME BECAUSE THEY ARE BUSY UNLESS SOMEONE KEEP BUGGING THEM JUST CALL THE BANK THEY WELL FAX YOU Weston MAIL YOU A CONFORMATION OF PAID OF ACCOUNT . TAKE IT TO THE DMV AND THEY SHOULD ISSUE A NEW TITLE WITH NO BANK NAME ON IT .
If you buy your car outright, there should be no lien on it at all. I paid cash for mine and have never had a lien on it. Hope that helps! ~Brittany