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Answered 2009-03-17 18:38:46

You can't. The bank still owns the bike, NOT you. The bike was sold to you illegally if the bank wasn't paid off. You need to get your money back.

Not quite true. He can legally sell you the bike but it becomes "interesting" depending on the terms and conditions of the loan and your state.

For example you want to be careful since you might end up being RESPONSIBLE for the remainder of his loan :-) This is unlikely however since to be owner you have to transfer the title and you can not do that as long as there is a lien on the bike. a lien does not mean the bank owns the bike the seller owns it. The lien means the bank has a financial interest in the bike. "part" ownership if you will. If you really want the bike I would contact the lien holder. This might be as simple as the bike was "totaled" out by insurance and they simply forgot to remove the lien on the original title or they may "sell" you the salvage title. Call them and see if you can get someone on the phone. I would prefer to do all this BEFORE paying any money for it :-) You can use all the parts except the Frame and Engine Casing as they both have VIN numbers and you need a title for BOTH if they do not match.

Good Luck

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