I paid half of my boat up front and the other half i took out a loan. I paid it off in July of last year and I still havent gotten my title from the bank. Finally, today, they gave me an answer other than "it will be in the mail and delivered in 10-14 business days" They now say I had a UCC against my account (I guess thats like a lean on my account) until I paid off my loan, which I did. But now, I don't need a title and there isn't one. I thought you are supposed to have a title to a boat? I asked the woman "what if I want to sell it tomorrow? The person just trusts me that it's my boat?" She pretty much said YES. That I have the serial number and documents showing I paid the note on it. IS THIS TRUE? I DONT NEED A TITLE?
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