Once the contract is voided out and the car is requested back, if he does not return it, it's stolen. Think about it this way, you go to Hertz to rent that little Chevy Avea you love so much. You sign a contract for, say 2 days. After a week, they call and say, "Mr. Dude, we'd like that Aveo back since every other princess in Ohio wants to drive one and be queen for a day." You don't bring it back. Since the contract is no longer in place, you're driving around in Hertz's car, not your car, even though for a period of time, it was yours. Same concept. Unless this guy paid cash, full value, up front, the financing can be pulled out at any point in the window I've described. Hell, more than likely, the financing was never in place, and in reality it was still the dealership's as long as money was concerned...