My question involves an auto loan or repossession in the State of New Mexico.
My ex, whom I was living with at the time of signing, put a car under his name for me to pay for.
We got the car in May of 2008. I've made every single payment on it since, and have not missed a single payment.
We broke up earlier this year, and had made an agreement to let me keep the car, on the condition I continue to pay for it, which I have been.
I looked out my window, at around 4am this morning, to discover my car was gone. I tried to call him, but no answer...so I called the cops. I later find out, he'd had the car repossessed earlier that night, without warning me..nothing.
What legal action can I take against him? He's not made ANY payments on it, ever, and every payment has come out of my personal checking account.
I need my car back. This is just ridiculous.
For the record, my credit is bad. That's why he put it under his name in the first place. They wouldn't even let me put my name on the papers. I have no legal document linking me to the car, except for bank statements.
It figures he had it done on a Saturday night, knowing that the banks are closed today. Great.