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0 <br />that a title loan lender may collect in a title loan agreement under this Ordinance or if the <br />terms of the transaction otherwise conflict with the permitted terms and conditions of a title <br />loan agreement under this Ordinance. <br />(d) No charges, including interest, in excess of the combined total of all charges <br />permitted by this section shall be allowed. <br />SECTION S. TRANSACTION SATISFACTION AND DEFAULT. <br />(a) When the title loan has been paid in full, the title loan lender must deliver to <br />the borrower a certificate of title dear of all encumbrances placed upon the title by the title <br />loan lender within thirty (30) days of such payment in full. <br />(b) A title loan lender who engages in a title loan transaction may take possession <br />of a motor vehicle upon a borrower's default under the title loan agreement. Unless the <br />borrower voluntarily surrenders the motor vehicle, the title loan lender may only take <br />possession of a motor vehicle through an agent licensed by the State of Florida to repossess <br />motor vehicles. Any sale or disposal of a motor vehicle shall be made through a motor vehicle <br />dealer licensed under Section 320.27, Florida Statutes. <br />(c) Except as provided by this section, title loan lenders shall comply with the <br />applicable requirements of Chapter 679, Part V, Florida Statutes. <br />(d) Nonpublic sales of motor vehicles or disposal of motor vehicles between <br />licensees, business affiliates or family members shall be presumed to be commercially <br />unreasonable. <br />SECTION 6 RIGHT TO REDEEM• LOST TiI'LE LOAN AGREEMENTS. <br />(a) Any person presenting identification as the borrower and presenting the <br />borrower's copy of the title loan agreement to the title loan lender is presumed to be entitled <br />to redeem the certificate of title described in the title loan agreement. However, if the title <br />loan lender determines that the person is not the borrower, the title loan lender is not <br />required to allow the redemption of the certificate of title by such person. The person <br />redeeming the certificate of title must sign the borrower's copy of the title loan agreement, <br />SEPTEMBER 289 1999 <br />-119- BOOK A <br />• <br />