Ugh55

Decided to post an update, just in case it ever ends up helping anyone in the future. It proved impossible to buy the car directly from the loan company. They are contractually obligated to sell all repossessed cars via a second partner company who would not even speak to me. Eventually, I was able to guilt my ex into signing all the necessary paperwork to transfer ownership to me (power of attorney type forms in order to change ownership in absentia, tabien baan, etc). Once I had all the paperwork signed I went and paid her debt, and got the car and blue book back. The next day I was able to transfer ownership at the DLT without issue using said paperwork. It was a stressful couple of weeks, but it was resolved in the least financially damaging way possible, given the situation. Many lessons learned. Thanks to everyone who offered genuine advice and empathy.

This is good logical advice, but proving very hard to implement. As far as I could gather, there's now a grace period in which the debt can be paid off in full (apparently one week). After that, the car goes to a different department to be sold off, and there's no way to intercept the car between the grace period ending and it going off to be sold. Once it goes off to be sold, there's no incentive for them to sell it specifically to me, as they could get the actual market/dealer price for it.

I didn't say she was working abroad for 4 years already, I said I ended things 4 years ago. A little after I kicked her out she must have sneaked in to get the blue book and do the dirty deed. It must have been her seed money to move abroad. It is very easy to pay road tax and insurance online or with a simple copy of the blue book - it's never necessary to show it.

I bought a car outright back when I moved here in 2016. At the time I was young and naive, and when the dealership said it would be very complicated to register it to my name, I stupidly relented and let them register it to my then fiance's name. I've ended things with my wife almost 4 years ago (the usual story, sweet girl turning into an insufferable ogre the longer we stayed together), but never got officially divorced as she moved to another country for work. Yesterday, two men showed up with a policeman at my house, with legal papers to repossess the car. I checked my documents stack and indeed the blue book was missing. After I kicked her out she must have sneaked back to the house when I was away, grabbed the blue book, and got a loan with the car as collateral. The papers show she made payments for almost a year, and then stopped, leading to my current situation. The car is worth around 400,000 baht now (if sold person to person and not to a dealer). The amount she owes is over 250,000 baht. I am pretty sure I don't have many options at this point, but wanted to make sure there's really nothing I can do. Logically speaking, I should pay the 250,000, and take back the car. However, it would still be registered to her, so in theory she could come back and demand it at some point, compounding my losses. On the other hand, not taking it back is basically immediately losing the entire 400,000 with no recourse. I'm struggling with deciding what to do. I can take the 400,000 hit now and put it all behind me forever, or I can take the 250,000 hit now and who knows what happens next. I think I can take possession of the blue book if I pay the 250,000, but it still won't be in my name. Any insights? (Please don't chime in just to tell me how stupid I've been. I already know)