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jupz - I used to work for the bank. Unfortunately you will never see your cash again. When an account is jointly held, you are fooked good. NEVER co-sign for anyone and never go joint on an account with money in it you can't afford to lose.
However, the car should be fine, as long as you don't go deliquent on the loan... The car loan is based on income normally, so as long as everyone's income (your co-signers and yours) has stayed the same, the loan shouldn't be affected.
Perhaps, if you've held the car loan in good standing long enough, the bank may let you transfer it to your name now.
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