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Missouri is estate hold not lien hold on titles.(I'm not sure of the exact phrasing de jour. It's been a while since I've had to tell anyone the difference.)
If Missouri is not estate hold I don't know how he had the title.
Some states differ. I think California banks are lien hold and keep the title.
It would have made no difference other than the title would have been mailed with a stamp and signature instead/along with a lien hold release letter.
As the Banker said in the post above
Call for a 10 day payoff. This means what the payoff will be in 10 days so if there's any delay they'll still accept the payoff. By federal law any amount over (used to be 14 cents I think) is refunded to you so there's no risk.
By calling for payoff you've ascertained:
Bank name
Address
Account number
Payoff amount
Vin number
Registered owners name
Protocols.
Then go to your bank or sellers bank or Motor Vehicles Dept and handle it.
And
I've NEVER bought a private party vehicle without insisting on a copy of the sellers ID. They can block out any info they are paranoid enough to block but name and picture stays. I've bought cars without titles before by having the seller write a bill of sale right across the copy of his driver's license.
You balk, I walk.
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