Sounds like you were just not aware of how the bank wanted to proceed and how sellers may want to proceed. Your first RV, right? No worries, you'll probably learn LOTS of stuff like we all do, constantly ;)
We have bought all our RVs at a distance. The most recent was this spring when we drove around 5-6 hours ONE WAY.
We spoke to the sellers, received additional pics, etc. We asked questions, but also let the sellers know that we are serious buyers and because of the distance, wanted to make sure we weren't wasting their time or ours.
We asked about tires and brakes and hitch, since we'd be hauling it home. We asked about a local notary so we could do the transfer, and if their bank was nearby to handle the money end (ended up being both at the bank).
We also said what options for payment we had and asked what they preferred. Ended up with a Treasurer's check for the bulk and cash for the balance (negotiating room depending on what we saw when onsite).
Made sure we would have time to meet, fully inspect, then visit their bank during normal hours so their bank could call our bank and verify the check and we could leave with the proper paperwork and the RV.
It was out of state and we had to wait a few weeks on the title, but the bill of sale, etc all from the bank was good. They (the bank) were handling the payoff of the lein and securing the title, etc.
Also, how would you get it home?
If another state, where/how to get plates to transport?
If your state, make sure you have funds to title transfer, sales tax, notary, plates, etc. Separate from the purchase.
What about your tow vehicle (TV)? Is it large enough and setup properly for the RV style you are looking for?
Before we got our diesel Excursion (handles just about any travel trailer), we had a smaller TV. When we purchased our previous RV, we borrowed friend's big F250 for "overkill" so we could have all kinds of towing setup "wrong" and still be safe.
We always make sure the seller knows we are serious buyers and are prepared to buy on the spot if it is what we think it is and we like it. Closer units we may return the next day to pick it up. Longer distances, we want seller prepared so we can leave with it after all paperwork is done, the same day. Allow a few hours for paperwork and whatever. Spend the day and be finished with it all ;)
Don't let the negative comments get you down, skip over them and you'll find there are a lot of kind and helpful folks here. They aren't always the first to respond, but you'll recognize them by their posts ;)
Hope this helps a bit.
Good luck with your search!
