My husband and I pay every month on a car. Owner will not do anything for us and comp where payment goes also keeps changing the date of when our payment is due. They will not send us no paper work on date changes and kept monies that they owe us.
It is very rare that you would make payments and THEN own the car. Most of the time you own the car, and also sign a note promising to pay off a loan that is secured by the car. Are you sure THAT isn't what you did? If it is really the first arrangement, you would need to show an attorney your purchase agreement to answer the question. If it is the more common arrangement, generally you have to pay the loan, though they can't just keep money and NOT apply it to the loan as your posting suggests.
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