My Lien Holder Won't Let Me Ride In Mexico

Discussion in 'Americas' started by Tama's Tigre, Nov 8, 2007.

  1. Tama's Tigre

    Tama's Tigre Been here awhile

    Joined:
    Jul 18, 2007
    Oddometer:
    495
    Location:
    Austin, Texas
    Today, I tried to get a letter of authorization from my lienholder (holder of my Title) to allow me to ride my bike in Mexico. They said they wanted a 6 month track record of making timely payments before they would consent. I offered to give them the remainder of my 6 payments in advance, but they still refused. Since I've only had my Tiger for 3 months, I'm going to miss my December Mexico ride! My only option is to pay it off!!!

    Next time you're financing a motorcycle, you might want to remember the name of my lender... GE Money Bank :ken :nono :fight :flip :boid
    GE MONEY BANK :dizave GE MONEY BANK :kboom GE MONEY BANK
    #1
  2. CASTIRON

    CASTIRON Solid, heavy, lo-tech.

    Joined:
    Apr 28, 2005
    Oddometer:
    661
    Location:
    Minn-E-SOOOOtahhhhh.
    Take your business elsewhere and refinance the loan. It's simple and more common than you think.
    #2
  3. J2Jonner

    J2Jonner Been here awhile

    Joined:
    Feb 21, 2007
    Oddometer:
    319
    It's ussually pretty painless to refinance a bike (or car) these days, and you may ended up with a better rate besides. Look around at credit unions you may qualify for membership at, better financing rates have been my experiance. Good Luck! Dont put off your ride!
    #3
  4. Misery Goat

    Misery Goat Positating the negative Super Moderator

    Joined:
    Jun 17, 2003
    Oddometer:
    135,410
    Location:
    Valle del Sol AZ
    why do you need permission?

    if it's for the title, i've never taken mine to MX.

    make sure you have good insurance, most if not all cos require a rider on your policy, and go.
    #4
  5. TwoShots

    TwoShots Vagabond

    Joined:
    Aug 31, 2004
    Oddometer:
    1,448
    Location:
    Escalante, Utah
    Reason #179 for never having a bike in the garage that isn't paid for.

    Thanks for a healthy reminder.
    #5
  6. Tama's Tigre

    Tama's Tigre Been here awhile

    Joined:
    Jul 18, 2007
    Oddometer:
    495
    Location:
    Austin, Texas
    You can't get Mexican insurance without either a clear title, or a letter from your lienholder. If you have anything worth losing, you can't afford to not be properly insured. I'll think I'll try the suggestions to refy with my credit union.... so I can :freaky
    #6
  7. Lone Rider

    Lone Rider Registered User

    Joined:
    Jan 29, 2002
    Oddometer:
    25,130
    Location:
    out and about
    Use your registration rather than title.
    #7
  8. Bayou Boy

    Bayou Boy Long timer

    Joined:
    Sep 19, 2002
    Oddometer:
    1,686
    Location:
    Houma, LA
    Very much not true.

    The last two times I went to Mexico I got insurance without showing anything to the company. And neither time did I show the Banjercitas my title. I had a copy with me both times but both times the registration was OK.

    I think a lot of guys on the site have had the same experience. Contrary to what "the rules" lead you to believe.
    #8
  9. Bayou Boy

    Bayou Boy Long timer

    Joined:
    Sep 19, 2002
    Oddometer:
    1,686
    Location:
    Houma, LA
    Oh and the lender was named on the registration in both cases.

    Actually the first time I just handed my lender permission letter to the agent.

    The second time I kept it in my hand just in case they asked for it. The girl never did.
    #9
  10. Misery Goat

    Misery Goat Positating the negative Super Moderator

    Joined:
    Jun 17, 2003
    Oddometer:
    135,410
    Location:
    Valle del Sol AZ
    i don't recall producing a title for insurance.

    in fact i did it all online.

    mexpro.com
    #10
  11. MysteryRider

    MysteryRider Laughing at danger

    Joined:
    May 1, 2005
    Oddometer:
    949
    Location:
    Veracruz, Ver. Mexico
    Heres another Mexico insurance link.
    http://www.drivemex.com/
    You need to have US insurance in order to qualify.

    Add me to the list of never been asked for a title or insurance when entering the country. You do need a tourist permit (not sure for Baja) and the regristration in your name though.

    Good luck,

    Drive Safe,
    Vettster
    #11
  12. Lone Rider

    Lone Rider Registered User

    Joined:
    Jan 29, 2002
    Oddometer:
    25,130
    Location:
    out and about
    Riding around road blocks is fun.
    #12
  13. swjohnsey

    swjohnsey Banned

    Joined:
    Mar 14, 2006
    Oddometer:
    3,568
    You need the vehicle permit. They will ask for a title and a copy. They don't read English any better than I read Spanish. They can't tell if there is a lien or not. If you are paranoid you may want to gin out a permission letter of your own.
    #13
  14. Tama's Tigre

    Tama's Tigre Been here awhile

    Joined:
    Jul 18, 2007
    Oddometer:
    495
    Location:
    Austin, Texas
    The problem, is that Texas will not give you a duplicate registration... they will only give it to you unless you have clear title, otherwise, TX-DOT will only give it to the Lienholder. When I called a Mexican Insurance company which was recommended to me, they told me I had to have the Registration, or clear title, or a letter from my f_cking LIENHOLDER :deal

    I'll try some of the other Mexican insurance companies you guys suggested.

    Thanks :wink:
    #14
  15. swjohnsey

    swjohnsey Banned

    Joined:
    Mar 14, 2006
    Oddometer:
    3,568
    Yeah, Sanborns. They only asked for a Texas Driver License and the VIN number of the bike.
    #15
  16. Tama's Tigre

    Tama's Tigre Been here awhile

    Joined:
    Jul 18, 2007
    Oddometer:
    495
    Location:
    Austin, Texas
    Right you are. Better words have never been spoken....

    But actually, I'm just temporarily financing the Tiger, until I sell my VTX 1800 :1drink
    #16
  17. mike54

    mike54 You don't get me

    Joined:
    Mar 13, 2004
    Oddometer:
    15,174
    I imagine it will vary from office to office. When I got my documentation in Auga Prieta they wanted the title to the bike and seemed to know what to look for. When I was checking out there was a guy there who'd failed to check out several years ago and had since sold that bike. They wouldn't give him a permit on any bike until he could prove he'd sold the bike somewhere other than Mexico. I don't think I'd try to pull anything at that office. You can get your paper work done at the Mexican consulate too. That could be easier and may save some time.
    #17
  18. swjohnsey

    swjohnsey Banned

    Joined:
    Mar 14, 2006
    Oddometer:
    3,568
    Not all the consulates can do the paperwork. I know the one in McAllen can't.
    #18
  19. Kieth

    Kieth Been here awhile

    Joined:
    Nov 14, 2005
    Oddometer:
    384
    Location:
    Tulsa, Oklahoma
    Just dummy up a permission letter, Computers are amazing, and the people who are writing the insurance want to write it as bad as you want it. Just make sure the lienholder is named as additiional insured.
    #19
  20. SofaKing

    SofaKing What the fark!!

    Joined:
    Jul 2, 2004
    Oddometer:
    396
    Location:
    San Diego