Show me a law that says they committed fraud! The Op has no credit so he got a friend to purchase the car on credit! The friend is obligated to make sure the payments were made because if they weren't, she would be the one getting the letters from the bank.
Since the Op made every payment according to the contract for or on the friend's behalf, what is the problem and where is the fraud? The problem of course is that the friend is going to move and wants to end the loan on the car. Based on what the Op says, it seems like since he made all payments thus far, maybe the friend would allow him to keep making payments until the car is totally purchased and then sign the title over to him when the lien holder sends it to her after the final payment!
Sure if the friend wants to wrongfully just take the car and continue to make payments thus gaining a pretty good deal, she could do this. But that would be wrong! Legally speaking she could do this. On the other hand, maybe she doesn't want to make these extra payments. It would be stupid to just let the car get repossessed.
It does seem she is trying to get the Op to come up with the money to pay off the car and be done with the contract she has with the bank or lienholder. This might not be easy since it appears the Op doesn't have the money to pay it off.
Therefore, she has one of two choices. 1. Let the Op continue to make the payments on time as he has which will make her credit look good or 2. make the payments herself and keep the car.
If she keeps the car herself, the Op may have a case against her because the friend agreed to purchase the car and let him make payments so he could have possession of the car. Athough the Op doesn't say it in his post, I'm sure his friend agreed to let him own the car once payments were complete (correct me if I'm wrong). If the friend wants to take possession of the car despite what appears to be a implied contract supported by documentation the Op says he has, the friend could be liable for damages to the Op.
Now if you can supply some kind of proof, Antigone, that they committed some type of fraud, then everything I said in my post is moot!
willy, Tigi does not answer to you and you are certainly not worth my time.