Far too many things not adding up, especially on the insurance side of things. A car must be insured if it has finance on it, or red flags fly up quickly with the finance company. He gets a car like this on payments with Dad's blessing (blatant showing off by the family), a 15-year-old boy with 3.7 million baht car, probably most on finance. Then it's out on hire to get additional income for payments, meaning they obviously couldn't afford the payments in the first place after the initial deposit, and searched for other forms of income to pay the monthly instalments. Firstly, the BMW hire place, then a private agreement with an individual. Then this nonsense about 100,000 baht to return the car that she, if the said story is true, is stolen? Furthermore, who lends out 3.7 million bahts worth of BMW on a verbal agreement? Why not a full rental agreement drawn up for the car with this associate professor, then if not returned, it's theft, pure and simple? Anyway, the price of stupidity in this case is 1.3 million baht.