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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Ex stopped paying for the car with the finance in my name

33 replies

Jhc3 · 08/01/2019 19:16

Hi everyone, I have recently broke up with my boyfriend and when we were together he needed a new car, however his credit score was bad so he asked me to get it and he will pay for it, however he now has stopped paying for it So I am needing to pay it, I have a spare key and know where he lives, would I be able to take the car back as he isn't paying for it? What would the police say if he reports it nicked? Or would this be a civil matter?
Any police or solicitors would be much appreciated

OP posts:
PennyMordauntsLadyBrain · 08/01/2019 19:17

Who is on the log book?

CannyLad · 08/01/2019 19:18

Who is the registered keeper and what type of finance do you have?

Original poster
Jhc3 · 08/01/2019 19:21

The log book is in his name however I know that doesn't mean he owns the car,

The finance was through my bank

OP posts:
Biologifemini · 08/01/2019 19:22

My friend had the exact same problem and it took her 5 years to pay off the loan. She didn’t have the spare key though.
Go and get the car and send it back.

ReaganSomerset · 08/01/2019 19:23

Are you the registered keeper?

Original poster
Jhc3 · 08/01/2019 19:24

I'm more than happy to take the car back however if (and he will) report it to the police would that mean I'm in trouble or would it be a civil matter?

OP posts:
Aquamarine1029 · 08/01/2019 19:24

Isn't the car registered in your name?

Biologifemini · 08/01/2019 19:25

No it is your car!

BifsWif · 08/01/2019 19:25

It’s a civil matter surely?

Original poster
Jhc3 · 08/01/2019 19:25

The logbook is in his name however I know that doesn't mean he owns the car as it states on the v5

OP posts:
ReaganSomerset · 08/01/2019 19:26

GO
Q743: Is there a difference between the registered keeper and the owner of a vehicle?
A registration document (V5) is not proof of ownership. The registered keeper should be the person who is actually using / keeping the vehicle and this is not necessarily the owner of the vehicle or the person who is paying for it.

He is the person responsible for the vehicle so far as official communications from the police/DVLA etc., but the owner is the person who put up the cash (or was given it as a gift).

So you own the car and can retrieve it unless you gave it to him as a gift.

www.askthe.police.uk/content/Q743.htm

ZogTheOrangeDragon · 08/01/2019 19:28

You own the car and can retrieve it. I’d also update the V5 and insure it immediately.

ReaganSomerset · 08/01/2019 19:28

Although if you got it new on a finance deal, is it technically on lease? In which case the owner is the car company you got it from? Then it might depend on whose ne the lease agreement is in, but I'm not sure as I've never gotten one on a lease.

ReaganSomerset · 08/01/2019 19:28

ne=name

CannyLad · 08/01/2019 19:30

Interesting! So if the owner is different from the registered keeper how do you sell a car that the keeper wants to keep iyswim? Don't you sign over the V5? I should say I probably have less experience of car ownership than the OP, just curious!

CurlyMango · 08/01/2019 19:34

Civil matter, police won’t get involved. I ‘lost’ a car in this way. I paid for it and it was all mine but ex out a different lock on it and that was that..........except for the new fishy smell

LittleMissCantbebothered · 08/01/2019 19:34

If the finance agreement is in your name he cannot legally keep possession of the vehicle. Go and get it back from him.

youwouldthink · 08/01/2019 19:43

It might be worth talking to your finance provider. They will have come across this before and could advise. Just in case he reports you for stealing it or something like that..

Sirzy · 08/01/2019 19:45

Was it a bank loan or car finanace specifically linked to that car?

Katinkka · 08/01/2019 19:45

Take it back! The cheeky sod. Just make sure you’re insured to drive it home.

LagunaBubbles · 08/01/2019 19:50

I'm afraid it's not as easy as just taking it back, I suspect it's a bank loan you took out as you mention the bank so loan isn't linked to car. Unless its a car finance agreement in your name which would be different?

NoFucksImAQueen · 08/01/2019 19:51

yes definitely go get it back the cheeky fucker. how much longer is the finance for?

Isleepinahedgefund · 08/01/2019 20:06

Yep take it back. Presumably the loan is secured against the car, and if it's HP you might find the finance co. owns the car until a certain amount has been paid.

Isleepinahedgefund · 08/01/2019 20:10

V important as to whether it's HP or a loan actually.

If it's an unsecured loan, the car became yours (or his) upon purchase. He reasonably say you made him a gift of the car. How you financed it is irrelevant, and you would be stuck with the loan (it is your liability) and he is perfectly entitled to the car and could report it stolen.

Coolhwip · 08/01/2019 20:21

I would speak to the car company and ask them.

I would also be tempted to cancel the payments straightaway. I would call the bank and report the debit card or credit card in question as lost.

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