Generally speaking, a seller typically retains ownership of a vehicle until the full agreed-upon amount is paid and any necessary paperwork, including the transfer of the title, is completed. If the buyer has paid the agreed-upon amount but the seller has neglected to transfer the title, the buyer may have legal recourse, such as filing a complaint with the relevant authorities or taking civil action against the seller.
However, it's crucial to consult with a local attorney or legal professional who specializes in consumer rights and vehicle transactions. They can provide you with specific advice and guidance based on the laws in your jurisdiction, considering the circumstances of your case and the specific agreement you have with the seller.
It's also worth noting that in some cases, if the seller has a security interest in the vehicle (such as a lien), they may have the legal right to repossess the car if the buyer defaults on the payments or fails to fulfill their obligations under the sales agreement.
To protect your rights, it's essential to keep all relevant documentation related to the vehicle sale, including the sales contract, payment records, and any correspondence with the seller. If you're concerned about the situation or facing potential legal issues, seeking professional legal advice is always recommended to ensure your rights are adequately protected.