No offense, but you should never buy a car from someone without title in hand. I hope you get it worked out. Sounds like the seller took your money, defaulted on her loan, and ran. Basically, your VX is probably on some repo list somewhere. Wow, sounds like you're kinda screwed. Not sure what you can do. In the eyes of the DMV, you basically have a stolen car. If I was you, I would contact the police and see what they can tell you. Might not get anywhere, but that's where I would start. Worst case, you might get lucky and be able to do some sort of salvage title, but honestly, this doesn't sound good. Sorry.

Bart