I recently purchased a vehicle and supposed to be financing it but the Finance company failed to complete the proper documents to place a lien on the vehicle and i received a Free and Clear title with me as the only owner of the vehicle and no Lien.
First off that does not mean that the finance company won't correct that error resulting in you receiving a corrected title with the lien information on it. In fact, it may not have even been the finance company's error but rather an oversight at the state office.
Secondly, if you filled out the financing paperwork then you are legally obligated to pay regardless of whether or not a lien was properly placed on your vehicle. The finance company can still sue you, get a judgment and go after your wages, bank accounts and yes your vehicle.
Bottom line, there is no such thing as someone getting a windfall from an oversight such as you describe. If you fail to pay what you owe it will come back to you and it won't be pretty.
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