How to Obtain a Lien Release from Your Bank

If you find yourself in a situation where your bank is unresponsive regarding the lien release for your vehicle, follow these steps to effectively communicate your request and take necessary actions.

Step 1: Prepare Your Request

Begin by drafting a formal letter on official letterhead. This letter should be addressed directly to the lender and must include:

• Your name and contact information
• The details of the loan (loan number, account number)
• A clear statement requesting the lien release
• A deadline for response (e.g., within 30 days)

Step 2: Send Your Request via Certified Mail

Once your letter is prepared, send it using certified mail. This ensures that you have proof of delivery and can track whether it was received by the lender.

Why Use Certified Mail?

Using certified mail provides you with documentation that may be crucial if further action is required. It also demonstrates seriousness in your request.

Step 3: Document Everything

If you do not receive any response within 30 days:

• Keeps Unopened Letters: Retain any unopened letters returned to you as they serve as evidence of non-response.
• Keeps Postal Receipts: Keep all postal receipts associated with sending your certified mail; this will help substantiate your efforts.

Step 4: Apply for a Bond if Necessary

If communication fails after following up, consider applying for a bond. A bond allows you to transfer ownership of the vehicle without needing an e-filed lien release document from the bank.

The Importance of Documentation

This documentation will support your claim when applying for a bond or taking further legal steps if needed.

Additional Tips: Involve Other Parties If Possible

If someone else paid off the loan on behalf of another party, consider sending them a copy of your request. They might assist in facilitating communication between you and the bank, potentially speeding up the process.