Viewer pays off vehicle loan a year early, but lien release is delayed

MUSKOGEE, Okla. - You'll find Jess under the hood of his pickup a lot.

He's proud of it and wants to make sure it runs perfectly, especially now that he's paid off his three year loan in just two years.

"I didn't want to pay all that interest."

For insurance and financial reasons, Jess says he needed to get his lien release as soon as possible, which is why he paid the loan off with a cashier's check.

But he says the company that held the lien wasn't in a hurry.

"I called the people that had me financed several times and they kept telling me I had to wait 21 to 30 days."

Jess says he checked with the state, and was told a lien was to be released within 7 days after the final payment cleared.

Still, he couldn't get his finance company to speed up the release, even though the cashier's check had cleared the bank two days after he paid off the loan.

Jess says he kept calling with the same message each time.

"You made sure I held up my end of the bargain every month to make sure you got your money, now I want what's due me now."

So Jess finally called the 2News Problem Solvers and we got in touch with the finance company.

A representative said she'd look into the situation, and two days later Jess received his lien release in the mail.

"That feels great."

And now, the pickup he's so proud of, is his, free and clear.

The finance company told us they usually hold a lien release for 21 to 30 days to make sure the final payment clears.

But when their research showed Jess' payment was made with a cashier's check, they sent him the release immediately.

If you have questions about your lien, call the Oklahoma Tax Commission's lien department at 405-521-3344.