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NEVER take your seller with you when you get a ppi.
That is your information that you are paying for and you should be able to use it the way you want. What that joker did was use you. Next time, give structure a bill of sale. Give him a buck and say for $1 tendered, buyer (you) has right to purchase car from seller for amount agreed.
Both of you sign and leave him at the local dairy queen a half mile down the road while you guys do the ppi., imho.
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