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post #1 of 46 (permalink) Old 08-11-2014, 03:51 PM Thread Starter
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Default Opinion please..something fishy??

Hubby and I had responded to an ad on Craiglist for just the Kingpin I'm wanting. All went well in the emails back and forth(his choice of contact) then nothing for a week, then he finally replied saying his phone crashed. So we agreed on a price if we approve of the bike when we see it and test ride it(it's in a neighboring state) so would require about a 5 hour drive for us. We were suppose to go tomorrow to do the whole transaction...I've been excited beyond belief! Then this morning we get a text from him saying he can't find the title( he originally said the bike had a lien on it at the bank). Now in our experience when a bank or credit union has a lien on a vehicle, they hold the title until it's paid for. So thinking he might have forgotten that detail and him thinking he lost it, we told him that. He then replied that the credit union told him they don't hold the titles anymore like that. So he called the court house and they told him that they had record of sending him the title when he bought it, but he doesn't have it and he had to order another but it couldn't be guaranteed that it would be there tomorrow when we were going there.

Is it just us or is something screwy here? He has seemed sincere in everything else to do with the bike and even took additional pics and emailed them to us. But unless things have changed with banks and finance companies, I wasn't aware you could have a loan on a bike and them give you the title before the loan was satisfied. He said he would contact us when he has the title. So now we're at a stand still on this deal and I just have a creepy feeling about this title thing.

Someone please tell me I'm over reacting or over thinking this....dammit I could just cry and I'm not a big sissy!
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post #2 of 46 (permalink) Old 08-11-2014, 04:15 PM
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well im not sure, but i still owe on my XC and i have the title. the thing is i took my loan out as a personal loan. is it possible, yes (many factors), is it likely....ehhhh. 5 hours isn't that bad of a trip to make twice, or just tell him you will wait till he gets the title.

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post #3 of 46 (permalink) Old 08-11-2014, 04:26 PM
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actually i just thought about something. do you still have that craigslist add? make another e-mail account and shoot him an email tonight asking about the bike. if he talks like everything is great...beware. if he says that he has someone looking at it, and he's looking for the title, honest. just a thought.

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post #4 of 46 (permalink) Old 08-11-2014, 04:30 PM
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I'm sure none of what I'm about to say will be new to you.
1. Don't get emotionally committed in a purchase like this. Salesman count on that and take advantage of it all the time. People pay to much,borrow to much and buy the wrong bike on impulse because they fall into an emotional infatuation after fixating on a "deal".
2. Never ignore red flags! You might decide to go ahead but red flags are telling you to be careful, investigate,verify and take your time.
3. No title, no deal, period. Money doesn't change hands till a valid,clear title is on the table in front of you.
4. Look for another bike. It'll take your focus off this one and if he comes up with what you need it can be in the mix. There are plenty of bikes out there.

Good Luck and Enjoy Looking for the perfect bike!
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post #5 of 46 (permalink) Old 08-11-2014, 04:31 PM
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A missing title that is being reissued is not a concern, it's a slip of paper that can get lost just as any other piece of paper. Just don't exchange any money with out a fully released title.
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post #6 of 46 (permalink) Old 08-11-2014, 04:37 PM Thread Starter
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Quote:
Originally Posted by HowardGNelson View Post
actually i just thought about something. do you still have that craigslist add? make another e-mail account and shoot him an email tonight asking about the bike. if he talks like everything is great...beware. if he says that he has someone looking at it, and he's looking for the title, honest. just a thought.
I like that idea! Think I'll try that. Thanks.
We had also thought about what you said that if it was a personal loan he could very well have the title even if it wasn't paid off. Maybe I'm just getting crazy....

There absolutely would not be any exchange of money until that title was in front of my eyeballs and we were totally satisfied with the arrangement. My husband said the same thing...keep looking just in case this ends up being a screwy deal for some reason. Thanks for opinions.

Last edited by Lluce; 08-11-2014 at 04:42 PM.
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post #7 of 46 (permalink) Old 08-11-2014, 05:29 PM
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Quote:
Originally Posted by Tumpleweed View Post
I'm sure none of what I'm about to say will be new to you.
1. Don't get emotionally committed in a purchase like this. Salesman count on that and take advantage of it all the time. People pay to much,borrow to much and buy the wrong bike on impulse because they fall into an emotional infatuation after fixating on a "deal".
2. Never ignore red flags! You might decide to go ahead but red flags are telling you to be careful, investigate,verify and take your time.
3. No title, no deal, period. Money doesn't change hands till a valid,clear title is on the table in front of you.
4. Look for another bike. It'll take your focus off this one and if he comes up with what you need it can be in the mix. There are plenty of bikes out there.

Good Luck and Enjoy Looking for the perfect bike!
I am an attorney and I couldn't give you better advice than did Tumpleweed in all respects. Lastly, the "courthouse" does not nor ever did keep or send out titles. While I don't know what state the bike is in, most likely the title originates from the secretary of state's office, but DO NOT give your hard earned money up for a bike without a title or even a promise of a title. With that said, some are not as good as others with legal transactions including keeping titles and in many states, you still have the title even with a bank lien, but you can not change the title until the lien is extinguished by the bank. So he will have to do that first or after he finds or orders a new title. Very good advice for you to just start looking for another bike and let him tend to the problem of getting a clean title for you. It well could be that he simply hasn't put all his ducks in a row in terms of being able to sell the bike, but again DO NOT give him any cash without a clear title. With that stated, I have to share the bike I just bought my grand son who will be 3 on the 14th of this month. Nice ride and clear title from Grandpa....
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post #8 of 46 (permalink) Old 08-11-2014, 05:47 PM
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You ask him who has the loan am sure its a local company close by him. You get a check made out to the loan company and maybe you have to write him a check.
The loan company will sign the tittle and he will sign the tittle.
If you still don't understand go ask your bank how it should work

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post #9 of 46 (permalink) Old 08-11-2014, 06:09 PM Thread Starter
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Originally Posted by garandiver View Post
I am an attorney and I couldn't give you better advice than did Tumpleweed in all respects. Lastly, the "courthouse" does not nor ever did keep or send out titles. While I don't know what state the bike is in, most likely the title originates from the secretary of state's office, but DO NOT give your hard earned money up for a bike without a title or even a promise of a title. With that said, some are not as good as others with legal transactions including keeping titles and in many states, you still have the title even with a bank lien, but you can not change the title until the lien is extinguished by the bank. So he will have to do that first or after he finds or orders a new title. Very good advice for you to just start looking for another bike and let him tend to the problem of getting a clean title for you. It well could be that he simply hasn't put all his ducks in a row in terms of being able to sell the bike, but again DO NOT give him any cash without a clear title. With that stated, I have to share the bike I just bought my grand son who will be 3 on the 14th of this month. Nice ride and clear title from Grandpa....
It seems from our new experience of living in the south the last couple years(originally from Illinois where our title work and licensing, registration is done at the DMV) their titling etc is done at their offices within the courthouse. It's not done at the DMV, so I knew what he meant when he said that. Otherwise, I would have thought the same thing....courthouse??

Gotta love the new ride your grandson has. and with a clean title ta boot!
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post #10 of 46 (permalink) Old 08-11-2014, 06:59 PM
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Quote:
Originally Posted by Lluce View Post
It seems from our new experience of living in the south the last couple years(originally from Illinois where our title work and licensing, registration is done at the DMV) their titling etc is done at their offices within the courthouse. It's not done at the DMV, so I knew what he meant when he said that. Otherwise, I would have thought the same thing....courthouse??

Gotta love the new ride your grandson has. and with a clean title ta boot!
Oh really. Wow, how does the rest of the state know about it? Learn something new every day. Thank you for the information. Yeah my grandson is going to be hard to get off his new ride. Will go great with the leather jacket I bought him for Christmas assuming the little dude still fits in it. Happy and safe riding to you Lluce.

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