My question involves vehicle registration or title in the state of: Pennsylvania
In 2012 I co-bought and financed a brand new car with her to essentially get the loan approved. Under everything that was presented to us that day I would be on the loan as and title. I called the large finance company on 5 separate occasions all who looked specifically at the title(pa is electronic but they have the file) and my name is listed as "and" with my friend. I was not given my own set of paperwork at the dealership that day all I have access to is the online account which gave me with vin to call penndot. After two 30 minute calls to them, I am not on the title they have in their system but what was explained was "they process what they are given". That I needed to contact the lienholder. Which I did and she pulled up the specific form that was filled out incorrectly by the dealership 2 years ago. I am being sent notorized documents I must take to the DMV to be added to the title and would most likely would have to pay the fee to do so, I'd have to talk to the dealership to see if they will pay for the error. My questions are can I personally be in some sort of trouble since everything sin e day one on Penn dot side is incorrect? Would I get charged with insurance fraud or anything like that BC of the dealerships error? And once I get this straightened out title wise will I be able to make sure my name is registered owner? Lastly advice on how to handle the dealership itself. I asked for copies of everything I signed that day and the FM told me they would only still have the bill of sale maybe everything else would be a maybe. I know this is a lie but I have every right to go to the dealer and ask to see all the paperwork in my deal jacket right?