This is the legendary triangular debt. You owe the bank, your buddy owes you, but the bad credit record is still yours. If you are in arrears for too long, the bank will take legal measures against you. And you can only sue your friend for not paying the debt, but this situation does not constitute illegal possession or other criminal facts. At most, civil mediation cannot be done. My suggestion is to bring Kolor back and find a way to return it yourself, and then negotiate with your friend or find other ways to ask him for it. Otherwise, banks will only become more and more difficult to deal with.