After finally paying off a car that I do not drive and never drove, $47,000 (and no thanks to the co-owner whom used only $1,000 to help me pay for it as an initial down-payment followed by her trading in the car on her own without my knowledge to get a better car while using MY GAP refund as the down-payment for that one - so then she's the sole owner of the new car - *****), I came to find out that the title became irrelevant after they told me I should wait 10 days for an electronic copy of the title to be in the DMV system. So, I did not need to wait 10 days to have an electronic title handy to have a hard copy - and in that time - once again the co-owner struck again as I mentioned already.
She used the opportunity to visit the KIA dealership with MY vehicle essentially as I PAID for it, not her - and traded it in for a new car. As you can see, this co-owner really shouldn't be anyone's friend or be trusted with any money-related matters whatsoever.
As for KIA Finance, once again it fails to act properly and could even be complicit in the plot to delay my RIGHT to sell the car.
To the co-owner of any car deal: pay your way or you are worth less than garbage just like KIA Finance.
To sum up, not only did I boost the co-owner's credit rating - she now has a new car at my full expense - and deliberately either changed her phone number or just found a way to continuously con me without a way to contact her - and she thinks she does not owe me a dime.
Now, to any person on the face of the earth, what sort of person has this type of character? I don't know - but don't worry - I will prevail as liars and cheats always fail. She is just a miserable and pathetic human being.