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re: title
i find it odd that the bank does not have your title. typically, if something either a home or vehicle is financed, the bank holds the title until you pay the bank back the principle plus interest accrued for the loan. also if you financed it at the bank you should have paperwork that shows how much you took the loan out for and from the dealer some paperwork that shows how much you paid for down payment. always read those carefully. (we know how sleezy some car sales are). tag and title aren't very expensive. i think the title costs around 10-15 bucks per change and tag depends on the value of your car. my tag ended up to be like 50 bucks. gl to you.
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