I bought a car from a dealership in Maryland back in August of 2015. In order to buy the car I took out a loan from a bank called Up2drive. Per the banks requirements the dealer was supposed to send the original title to them and then they send it out to have it changed in my name so I can get the car registered. I filled out a power of attorney form for them in November so they can do so. In late January (note the time difference) they sent my title off to the Maryland DMV (I live in New York btw) to be changed. Everytime I asked for updates I either was given a run around answer or told to call Maryland myself. After calling Maryland and emailing I was informed that they had never gotten the tittle to begin with. Now after 3 months of it supposedly being in Maryland the bank told me that they just got it back (still in the original owners name) and mailed it off to the New York DMV (rather than just mailing it to me) on April 15th. It's now been about 10 months since I've bought the car and I still can't drive despite having insurance on it and paying the bank every momth.
If the reason you can't drive is because you can not register the car then my hunch is that you have a case. This seems like an odd set of facts and one that you should discuss with the Attorney General's Office in whichever state the bank is in. I have never heard of not being able to leave the dealership with a car that is not fully good to go.
I am a former federal and State prosecutor and have been handling criminal defense and personal injury cases for over 18 years. The above answer, and any follow up comments or emails, is for informational purposes only and not meant as legal advice.
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