mini DMV rant/question

[dabuddha]

Cliffs:

History of car:
Originally sold to someone who financed it with the Toyota dealership
Car got repoed and sold to an Auction house
Dealer (in Texas) I bought the car from (through my dad) bought it from the auction.
My dad bought the car from the Texas dealer.
I picked up the car and it's in VA now.

Title:
Original title. Shows a lien on the first line. The texas dealer I bought the car from signed the title over to me on the back (like I've done with my 3 previous cars).

Problem:
Tried to title/register the car in VA.

First day, woman at the DMV tells me that I need a final bill of sale that shows $0 owed on the car (The one I had with me was the one printed after I put the down payment on the car. Paid the rest 2 days later but left that bill of sale at home). I asked her 3 times if that's all I needed and she said yes ( I had the Texas title and the certified form showing the lien was taken care of)

Second day, different woman at the DMV tells me that I need a "copy of the security agreement." I spent almost 40 minutes asking her what she's asking for. Her response was " I dunno what it is but you need it." I make her get her supervisor and we go through the same shit. I ask him (and her since she was standing there like a slack jawed retard) "How can you require something and not know what it is? What am I supposed to ask the dealer or Texas DMV for? I can't just say security agreement because that sounds like a generic term or form." Their repeated response was "I dunno what it is but you have to have it." They can't even tell me what form number (if it's a form).

/suicide

Any idea how I can proceed from here? I'm going to call the Texas dealer I bought it from Wed afternoon cause that's when the owner (the one who buys the cars from the auction) gets back in. Hopefully he might have a clue wtf these people want.


/rant.


EDIT (08/24/2011):

Just got off the phone with the dealer I got the car from. She called the auction house and what they told her is VA is one of the few states that's extremely anal retentive about titling. They recommended that I send the title and notarized lien release document back to my dealer and have her re-title the car with a for sale by dealer title there in Texas and then they'll sign that title over to me (basically, the lien won't be on there anymore). I'm having my wife go tomorrow to a different office for one last try.

My question is, I'm a little uncomfortable sending the title and lien release form to the dealer. Will doing this be ok or should I not do that?

 

[bruceb]

You need the Texas dealership or Texas DMV to clear the Lien from the Title. That would be the easiest way, but it may take some time. An alternative is to contact the Lien Holder (bank / finance co) and have them clear it. They know it should be, since they did a repo of the car to satisfy the note. Also the auction house should have turned over the Sales Amount to the Loan company. Maybe they did not do that.

 

[dabuddha]

You need the Texas dealership or Texas DMV to clear the Lien from the Title. That would be the easiest way, but it may take some time. An alternative is to contact the Lien Holder (bank / finance co) and have them clear it. They know it should be, since they did a repo of the car to satisfy the note. Also the auction house should have turned over the Sales Amount to the Loan company. Maybe they did not do that.

So best place to start would be to see if my dealer might have something from the auction house clearing the lien? And then try the toyota motor credit corp if that doesn't work? What about titling the car in Texas (from my past experience, they've never required all this crap, just a title that's signed over and if there was a previous lean, that notarized form showing it's been cleared) and then titling it in VA (kinda hoping to avoid this method since I dunno if I can title the car in Texas while in VA. I can use my parent's address if needed.

 

[EagleKeeper]

If TX requires verification of the VIN, then you will have a problem if the vehicle is not in TX.
Otherwise, get it titled in TX, especially because that is where the vehicle was purchased and you apparently have connections with the dealer.
Once you get the vehicle titled, it does not need to be re-titled in a different state. Just properly registered.

 

[dabuddha]

If TX requires verification of the VIN, then you will have a problem if the vehicle is not in TX.
Otherwise, get it titled in TX, especially because that is where the vehicle was purchased and you apparently have connections with the dealer.
Once you get the vehicle titled, it does not need to be re-titled in a different state. Just properly registered.

I might just go this route. I'm on the phone right now with the VA DMV and the lady on the phone has no idea what the DMV office is asking for (security agreement) She's on the phone right now with the local office trying to find out what I need. I wonder if I can take care of the title via mail or whether I can mail the paperwork to my uncle and have him do it for me. Trying to avoid spending 300 bucks on a ticket to texas lol

 

[dabuddha]

Ok just got off the phone with the VA DMV. She said what they're asking for an agreement between the dealer and finance company (at least I think it was between them) that they have the right to sell the vehicle if it gets repossessed.

 

[Sluggo]

I would be tempted to get a Sharpie and a sheet of plain paper and write across the top:

SECURITY AGREEMENT

Add some scribbles at the bottom and give it to the retards at the DMV

 

[dabuddha]

Just got off the phone with the dealer I got the car from. She called the auction house and what they told her is VA is one of the few states that's extremely anal retentive about titling. They recommended that I send the title and notarized lien release document back to my dealer and have her re-title the car with a for sale by dealer title there in Texas and then they'll sign that title over to me (basically, the lien won't be on there anymore). I'm having my wife go tomorrow to a different office for one last try.

My question is, I'm a little uncomfortable sending the title and lien release form to the dealer. Will doing this be ok or should I not do that?

 

[Texashiker]

I would be tempted to get a Sharpie and a sheet of plain paper and write across the top:

SECURITY AGREEMENT

Add some scribbles at the bottom and give it to the retards at the DMV

I was going to recommend the same thing.

If the people at the DMV have a question about something, give them an answer.

Here is the way I see it, if you are the owner of the vehicle, you do not need someone else to give you permission to get a title. If the dMV wants something, give it to them, even if you have to make something up.

You are the owner of the vechile, what are they going to do, pull a rodney king on you?

 

[EagleKeeper]

Just got off the phone with the dealer I got the car from. She called the auction house and what they told her is VA is one of the few states that's extremely anal retentive about titling. They recommended that I send the title and notarized lien release document back to my dealer and have her re-title the car with a for sale by dealer title there in Texas and then they'll sign that title over to me (basically, the lien won't be on there anymore). I'm having my wife go tomorrow to a different office for one last try.

My question is, I'm a little uncomfortable sending the title and lien release form to the dealer. Will doing this be ok or should I not do that?

Cover letter detailing issue and what you are expecting the dealer to do for you along with the contents and the tracking number for shipping.
Make a copy of everything.
Send it back with insurance & signature required via Post Office. ( Fraud protection)

 

[dabuddha]

Cover letter detailing issue and what you are expecting the dealer to do for you along with the contents and the tracking number for shipping.
Make a copy of everything.
Send it back with insurance & signature required via Post Office. ( Fraud protection)

Sounds good! I'll definitely make a copy of everything. Would Fedex delivery with signature service be ok or stick with the post office? Also, how much should I insure for? (The cost of getting a new title, the cost of the car lol?)

Hopefully, my wife will get someone who isn't pmsing at the VA DMV and they'll let it slide through.

 

[Texashiker]

Would Fedex delivery with signature service be ok or stick with the post office?

Post office, certified mail, return receipt requested.

Postal mail is protected by federal laws that do not pertain to other carries.

 

[dabuddha]

Post office, certified mail, return receipt requested.

Postal mail is protected by federal laws that do not pertain to other carries.

Ahhh excellent. Thanks for the info folks! Much appreciated!

 

[911paramedic]

Can you send notarized copies?

I once bought a car that was "title skipped*", which is a lot like what you are going through. Luckily the DMV person was as confused as I was with all the paperwork so they just registered it to me. It was only a $700 car (back in the '80's, old VW Rabbit) but it was a PITA.

*Title skipping is when one person buys a car, never registers it in their name, and then sells it to you. It causes lots of problems and I think it's illegal. The DMV loses out on fees when its done that way, and is why people do it.

 

[EagleKeeper]

The package is insured for the amount it would cost to replace the documents and to cover your time to follow up.

Also, by having it insured, the PO has an incentive to get it there vs just registered.
Insured will accomplish the same as return receipt - item must be signed for. Both options can be tracked via the internet.

Express mail will give you the signature and insurance up to $500 at the same time. And it gets there the next day.

 

[dabuddha]

Can you send notarized copies?

I once bought a car that was "title skipped*", which is a lot like what you are going through. Luckily the DMV person was as confused as I was with all the paperwork so they just registered it to me. It was only a $700 car (back in the '80's, old VW Rabbit) but it was a PITA.

*Title skipping is when one person buys a car, never registers it in their name, and then sells it to you. It causes lots of problems and I think it's illegal. The DMV loses out on fees when its done that way, and is why people do it.

That sounds exactly like what was done. And I'm hoping my wife gets someone like you got who just lets it go through. I called the Texas DMV few minutes back and they said the cheapest way to retitle the car would be for me to send the docs back to the dealer and have them retitle the car in their name and then transfer that title into my name. She told me I should be ok if I make copies of all the documents (for myself) before sending them.

 

[DrPizza]

Moral of the story: never purchase a vehicle that has a lien listed on the title, unless that title is accompanied by a notorized lien release.

 

[Zenmervolt]

Just an FYI, a "security agreement" is a legal document describing the nature of a lien and the nature of the collateral. In this case, what the VA DMV is asking for is a copy of the document that established the lien against the car. They are asking this because the lien has not been cleared from the TX title and so the title is still showing that a bank has a security interest in the car in case of default on a loan.

Dr. Pizza has the moral precisely correct.

ZV

 

[MagnusTheBrewer]

First thing you need to do is move out of VA.

 

[Spikesoldier]

First thing you need to do is move out of VA.

isnt this the place with outrageous four-digit speeding tickets?

 

[MagnusTheBrewer]

isnt this the place with outrageous four-digit speeding tickets?

It's what happens when you've got bored bureaucrats that politicians actually listen to.