Sounds like a major ball ache. Doing something similar and has taken 1 month exactly and only getting the papers I require next week. I have fully paid off the car but never received the papers from the bank. I thought I had lost them but it turns out I never had them in the first place. Apparently you have to ask for them once it is fully paid of which sounds a bit backward. Now I need to change ownership from the bank on the certificate and hand that over to the new owners to now change the title yet again.

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