Crazy the amount of relative stories I have, ugh. It was just after my parents got divorced and my father got remarried to Cruella deSkank. Awful awful person. My mother and I moved to Atlanta to be near my brother and sister. Well since I’m only 21 my car is still in his name. This doesn’t settle well with Cruella. She must have driven him mad because he calls me and demands I put the car in my name. I have no credit , not bad credit just no credit. I try for months to do this. He finally calls and SCREAMS at me to put that f&@$$ing car in my name or he’s calling the cops on me. Ummm what??? I’m his daughter wtf???? I’m so hurt and confused. I went to the most understanding lender, she seemed very nice and literally cried my heart out to this woman. She was truly sad for me and the bank did everything they could to make it happen. Fast forward to Christmas Day and my father calls. I immediately hang up on him and didn’t speak to him for two years. We eventually spoke but it was never the same. Family sometimes, ugh. The silver lining was I ended up with 765 credit because of the loan in my name that I paid off early. 1211-18
My response isn’t likely to be one you were expecting. I don’t believe children are owed a vehicle provided by a parent or parents. Particularly children who have reached the age of 18. In this story you are 21 at the time and while you had no credit history, you were quite able to pay off the car loan earlier than scheduled.
A young friend of mine had a nearly similar situation. She was driving a car that was owned by her father and he was the one making the car payments. At age 19, the father insisted she take over the title to the car and make the car payments. She did but she promptly sold the car, used the sale money to pay off the car loan and then she bought a used car she could afford.
Instead of being grateful for the use of a car from age 16 to 21, a blessing that many of us did not have btw, you see it as an entitlement that when removed from you results in a deterioration of your relationship with your father. Seriously, how long did you think he was going to continue paying for your car? Until 22? Maybe 25? Daddy had to compel you to grow up and take ownership of your car with all the rights, benefits and responsibilities associated with that kind of ownership.