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Not denying your claim, but that would be difficult, nearly impossible to do successfully. Why: to take out a title lone, you need the title. To get a title you do not have, you need at least two forms of ID (not impossible to obtain) and the vehicle registration (again, not impossible, but more difficult). Then you will need to apply for a replacement title, pay the fee (as low as $25 to as high as $100). And then take the title, the registration, and that ID you got to the title loan office and apply for the loan.

Now I've said all this so I can say this: the average amount of a title loan is about $500. The maximum I've heard of is $1,000 to $4,000, with the majority topping out at $1,000.

My point is, it is not likely that anyone is going to pay a couple hundred dollars to make back only about the same amount.

What is more likely to have happened if you took out no title loan is that your vehicle was mistakenly or wrongfully repossessed. It happens.

Contact the repossession company and notify them that your vehicle was wrongfully repossessed. Let them know you are in contact with the creditor. Then call the creditor and inform them of the wrongful repossession, and request a full reconciliation (full accounting) of the debt. Let them know that you are following up your request in writing to make it official, and to give them some lead time to prevent the wrongful sale of your vehicle. Then follow up the call by writing the title company a letter requesting a reconciliation of the debt and the return of your vehicle. Send this letter, registered restricted delivery so that you receive a signature card showing it was received. If for any reason either or both the repossession and title companies fail to cooperates with you, report the vehicle stolen and give the police all of the information you have on who took it, when, and where it is.

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Q: What can you do if you didn't take out a title loan your identity was stolen and somebody took out a loan on your car and it was repossessed?
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