I bought a 2001 Ford Escort in 2003 from a dealership in Sparta, Tn. My credit was kind of on the bad side at the time so the owner of the dealership co signed the loan which was through a bank in Sparta. I've made all the payments yes there was times when they were late but they were paid. Anyway the final payment was due on April 21 this year and that was paid. The bank told me that there was some late charges and those would need to be paid. She told me that I could make a regular payment in May and finish up paying in June. Apparently this man who was my cosigner went to the bank before the payment was due and paid that. The bank then gave him my title and all of the paperwork reguarding the car. They told me I would have to go to the dealership and see him. I went there but he doesn't work there anymore. They also told me that since the dealership changed hands they no longer had any of the paperwork reguarding the loan or anything. I asked how I could get in touch with him. They told me that they could get in touch with him for me and he would call me. So I went on home and he called and told me that he was going to get a warrant on me because I had his car and it is worth 3000 dollars. Personally I don't think this is legal. Him paying off my loan and the bank giving him my title? I'm the one who has made all the payments and carried the full coverage insurance that I was supposed to have for the length of the loan. Can he do this? And if not what am I supposed to do about it?