Legal Question in Consumer Law in Florida

Buyer purchases a car from a dealership and finances half the cost (around $7K) through a credit union. A few weeks after the purchase, the CU mails buyer what he assumes is a copy of the title. A few weeks after this, the CU leaves a message on Buyer's phone stating that the actual title was mailed by mistake and would he please return it. Buyer ignores message but continues to make all required payments. No further messages come until a year and a half later when the CU sends buyer a certified letter asking him to fill out a Power of Attorney form to place the credit union as lienholder because the car dealership had "forgotten" to get the form signed at the time of sale. At this point, the car has been in the buyer's possession for a year and a half and he has made all required payments. If the buyer ignores the request to fill out the lien form but continues to make all required payments, is the CU likely to take any action against the buyer?

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