If she bought it via a loan from a bank, making the bank a financier. If it was paid off, it might show the bank still owning the car (ie not her) even though i

If she bought it via a loan from a bank, making the bank a financier. If it was paid off, it might show the bank still owning the car (ie not her) even though it was the bank's responsibility to transfer back, per the finance agreement. This has happened to me. The takeaway is that it's not as cut and dry as you would expect.