Car Titles

I have not owned many cars in my life - 2 to be exact. Each one I owned for 6-7 years. So I'm not that familiar with titles and all that crap.

My first car - I took out a loan, paid it and got my title when it was paid from Toyota Financial Services. My second car I took out a loan and also paid it back in September of '06. I got a letter from Toyota saying 'Congratulations! Your account is now paid in full'. Great.. only thing is - they never sent me the title!

I have called them several times over the past 2.5 years and they say oh yes we'll send that out right away and continue not to. I am currently on hold with them (for about 15 minutes and counting) trying to once again get them to send me the title.

Anyone ever had this happen to them? I heard I can go to the registry and get a duplicate made for $150 but I refuse to pay for something my financing company should have sent me for free 2 years ago and that I've repeatedly called them and asked for (out of principle)!!! Why can NOTHING ever be done right? Why can nothing ever be easy? It apparently takes 60-90 days to mail the damn thing out too - which doesn't much help me if I'm trying to buy a car this week.