Rv lien checks

[Lancey]

Another question for you guys, how would I go about doing a lien check when buying a unit from the USA, or is it even nesasery? In Canada for cars its no problem, just a phone call. Not sure how liens work down south? Is it even somthing I need to worry about?

Thanks
Lance

[mkirsch]

bighatnohorse wrote:
Would it be difficult to get a loan on a "vehicle" with no title?

It's difficult to get a loan on a vehicle WITH a title. My truck was 8 years old when I bought it. Even with an exceptional credit score, and significant investments in the bank, they would not loan me a dime. I ended up taking a loan out against my 401K out of desperation, before the guy sold the truck out from under me.

[emcvay]

In WA State they must produce the title and the title will either show a lien holder or it won't.

Pretty simple really.

[deltabravo]

Lancey wrote:
This Particular camper is coming from wa and I do know it has a plate. Its a 2005, so I have a hard time believing that someone still owes $ on it, but its not outside realm of possibility lol

You can also call the WA Dept of Licensing office / sub agent and give them the license plate number. Tell them it's a rig you are interested in buying from out of state / country and want to know if there's a lienholder on the title.

Since you aren't asking for any "personal information" they will give you that detail. I've done it and didn't have any problems.

[otrfun]

Even if you don't need to register or title your new/used truck camper in your state---I'd recommend still asking the seller for the Certificate of Origin at the time of purchase. If you decide to sell it at some point to someone who lives in a state where it does need to be registered/titled, the Certificate of Origin will help things go a lot smoother.

[monkey44]

bighatnohorse wrote:
Would it be difficult to get a loan on a "vehicle" with no title?

Nope, not as long as you have a Cert of Origin signed over ... Yup, did it, and no registration - no plates (Florida) NFCU gave the loan, a little higher interest rate, but I paid it off in a few months, so no biggie on that one. Some other Credit Union will probably do it, as they have a little more leeway than banks, etc.

Might too depend on your relationship with the lender, and how long you've been with it. We were nearly twenty years with NFCU, did the complete loan sitting in the office - fifteen minutes, walked out with a check. All it required was the CoO signed by dealer and me as first purchaser. NFCU mailed the CoO back to me intact when I paid it off.

[bighatnohorse]

Would it be difficult to get a loan on a "vehicle" with no title?

[Photomike]

I always wondered about this. In Canada and some states in the US you put the camper on the truck and that is it. You do not need to register it or license or anything. SO if there was a lien on it and you bought it with cash how would they track you down. Even when I put the insurance on mine all they wanted was the make and model and not the serial number as that did not do anything for their files.

[trail-explorer]

Lancey wrote:
This Particular camper is coming from wa and I do know it has a plate. Its a 2005, so I have a hard time believing that someone still owes $ on it, but its not outside realm of possibility lol

Ask the owner if he has the title, and if it has a lien holder on it.
Simple as that for WA titles.

[monkey44]

Follow up from above - Genie (DW) was a title officer at Catepillar Tractor, she says she could go online into ANY registry in all 50 states via VIN, and search for owner titles, lien, lease-holder on any vehicle with a VIN.

Now we know TC does not require plates in all states, but I bet any lienholder will place any valid lien in the registry of that state where it's sold with a loan. So basically, if you or anyone searched at a registry (maybe a fee, who knows) that registry can look in every state for a lien and probably search by VIN. JMHO

[path1]

...

[monkey44]

We got a signed Certificate of Origin and a bill of sale when we bought our Lance 845 new at an auction (Lance warrenty included). We made a copy and still hold the original too. We are not required plates for a TC in Florida. So, a bill of sale is sufficient to sell. I have no clue how to check for lien, altho, if a lien is on any RV or TC, I'd expect it to show at the registry.

I recently transferred to a Florida plate for my cargo trailer (bought in Mass a few years ago,) and the Registry only required a Certificate of Registration in Mass to issue new plate. She went on the Mass RMV site to look for liens and valid Registration in my name. Came up clean, so she handed me a new plate for some $$$ ... took five minutes.

That means to me that RMVs have ability to verify or check for liens. My guess if she found a lien, we'd have had to clear it before she'd issue new plate ...

[Kayteg1]

I have seller's title on my Fleetwood even it is useless on West Coast.
But I would be carefull buying in states where title is required and seller doesn't present it.
It is possible somebody can sell the camper for cash while there is loan on it.
I assume campers in states with no registration can't be financed, but that might be worth checking as well.

[Jack_Spratt]

‘It depends... since many states do not require registration for TRUCK CAMPERS, no title may be available for sale. All of my campers were bought and sold without a title... only an owner written bill of sale.”

Maine also does not title truck campers, just a bill of sale

[twodownzero]

Some states have a system you can run it through for a small fee. Arizona has one. Not sure about the others. I recently bought a camper and it had a lien on it. The sellers included a lien release that was originally signed and notarized by the bank and I had no problem getting a title certificate for it, but of course I was nervous.

In theory there's no such thing as a "secret lien," but in reality that can prove to not be the case. Short of buying from a dealer, I'm not sure you can ever be 100% sure.