Get access to direct deposit forms, automatic bill payment forms, and loan management from BMO. In some states, getting your title is an automatic process after you pay off your loan.Get the money you need to claim the vehicle you want. BMO vehicle loans work for new and used cars, along with boats, RVs, and motorcycles. Customer: I had an auto loan with Harris NA in 2008-2009. I got a letter from Harris NA indicating that I had indeed paid off the loan. How to fill out the Payoff Request Letter Templates? After you pay off your mortgage, your lender should also return the original note to you. Asset Seizure: For secured debts like mortgages or car loans, the lender may repossess the asset. Complete and return the form to the Harris Central Appraisal District (HCAD).