You have been making payments on a vehicle that is not your and was not the dealer's to sell if they did have the title to it. The prior owner probably authorized the dealer to pay off their lien. Dealer's normaly go ahead and find another buyer for the vehicle realizing that the prior owner's bank will send them the title as soon as they receive the funds. However, if there was a second lien, my guess is that the dealer is now trying to track down the prior owner to have them also authorize them to pay off that lien. If this never happens, you are out of luck. You cannot, nor can the dealer prove any kind of ownership to this vehicle. It belongs to that second lienholder. I'm having a hard time understanding though how YOUR lienholder is accepting/demanding payments on the vehicle when it is owned by someone else and they do not have the title to it. I would say that if the dealer gets that lien signed off on, you should be able to get your money back from your lender as well as the dealership for any additional administrative" fees they charged you during the sale.

They basically cut corners to make a sale and left you hanging. Pull up and park the thing right back in their lot and let them know you are not going to put up with being swindled.