A lawyer would need to sit with you and review all the documents relating to this transaction in order to properly advise you. You have too much "they say" and not enough "I know." You need a lawyer to advise you so you know the truth about your situation (so that you don't fall for any misimpressions "they" may try to create) and then make an informed decision concerning what to do about it. You do not have to be at their mercy and it is worth what it will cost you to have someone advocate on your behalf in an effective way.
Sounds to me that you have two contracts in this mess. One for the purchase of the vehicle and one of the lot, which is what I understand you to refer to with your comment about a 12 month lot agreement. One answer I can give you for certain, never pay the opposing party in full for a purchase of an asset that has a title without having that title transferred at the closing table.
As it is now, they are sitting on your money, and you have no title. As to whether or not you will be in default of the lot agreement, I cannot say, because as my colleague stated, you need to review the contract agreements for both the lot and the purchase to understand what remedies and obligations you have to this transaction. Based on what you include in your inquiry, they are in default of the purchase agreement, and you have a right to a refund. However, you are in a pickle because they have your money, the vehicle, the title and you locked down on a 12 month lot agreement.
It sounds to me that if this remains unresolved, which will be likely, you will need to retain counsel. Not only to perfect your rights to that asset by filing for specific performance or a breach of contract with the Court, but also to protect and defend you against a potential breach over the lot agreement. Moreover, any attorney would probably charge you on an hourly basis. Our firm would have to be retained on an hourly basis for this action. Contingency would not be an option here since there are claims for specific performance over assets, and a possible defense of a breach of this lot agreement.
If you are unable to acquire this title, you will need to seek counsel to assist.
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