Thank you Ma'am
If you owe money, the bank can demand you repay it. But that does not seem the problem...what you describe, I must say, is a bit odd. You want to pay the loan and the bank is not working with you. It sounds like there may be some confusion.
I would call on monday...that is a start. But I would NOT leave this to a call. You want to start a written correspondence trail
You want to communicate with them in writing. Keeping copies of the letters you send. And sending the letters "registered, return receipt requested". Basically you want to be able to document your efforts in resolving this...that may be important if the bank continues to ignore you.
The letter should clearly state who you are, provide a copy of the loan contract
(if you have) as well as detailed information about the loan (when it was originated, the approximate amount, as well as your demographic information (including your ssn)
Basically, you want to put in writing you are attempting to repay this loan and you need their assistance to do so.
I would send one letter...and if they do not respond in one month, I would send another
If the continue to ignore you? You can file suit to ask the court to clear the title based on breach of contract
. Under the law, each party to the contract has a duty to act in good faith. Here, if you reach out to them to try and resolve this and they refuse to do so, I would sue and ask the court to void the loan and to order they clear the title.
I doubt you get that far....I bet they respond to the first letter with a payoff amount. Once you pay the loan, you can have the title cleared. But if they continue to refuse to work with you? You can sue them to force the issue