Gotta a call from the RV Dealer Today

On a new vehicle, the state of registration issues the actual title. The dealer has what is called a MSO, manufacturer's statement of origin. When a vehicle is financed, the dealer sends that MSO, along with the proper documentation, to the tax authority in the state or county where it will be registered. If the dealer does not collect the sales tax, you have to pay it before a title is generated and the bank's lien is recorded. Also, some states will not issue a title until they have proof you have paid your personal property taxes. Generally, you have to present your receipt of payment of those taxes for the relevant tax year to the licensing authority before they will process any registration. I know Missouri is one of those states, perhaps Kansas is as well. Sometimes all the paperwork submitted by all the different parties doesn't mate up. I would guess that would be the situation here. If that is the case, the bank doesn't get proof it's lien is perfected, and if the loan was originated with the dealer, the dealer is the first call they are going to make. Jallen, Bob and Ralph have it exactly correct and Ralph made the further point that a dealer, most likely licensed by the state, that processes millions of dollars a year in sales, isn't running a sales tax scam on the side. Call the dealer and find out what is going on, and if you are still unsure, call the bank. I really, really doubt both would be running scams.