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Original poster

Car payments

168 replies

Justme49 · 17/01/2022 10:56

My partner bought a new car two years ago and I've contributed monthly to it. He has paid the car off but I still contribute my monthly payment.
I have suggested I might like to get a newer car now. Either trade in current car or I'm happy to go it alone and get my own car in my own name.
He said you won't have a deposit though and I said I would be looking for a percentage of the monthly payments I have made. He went nuts and cannot see that I have contributed to his car and continue to do so.
The question is, am I right or wrong in thinking I am entitled to something back from the proceeds of sale.
Thanks for reading.

OP posts:
Lockheart · 17/01/2022 10:59

Why are you still making monthly payments if he has paid the car off? Stop giving him money!

No, you're not entitled to money back. You've made a gift to him, effectively, and he's under no obligation to give that back.

IsDaveThere · 17/01/2022 11:01

Was it bought as 'his' car or a joint one? If it is his car, why are you still paying for it?

Player001 · 17/01/2022 11:01

Did / do you have anything in writing about shared ownership? If not you'll have a hard time getting anything unfortunately.

If the car is paid off, why are you still making a monthly payment?

araiwa · 17/01/2022 11:02

Cars cost money to run

AlDanvers · 17/01/2022 11:03

Are these both personal cars? Or do you share them both, is one a family car?

And why would you be paying towards towards car thata paid off?

Ragruggers · 17/01/2022 11:04

Do you live together?Very strange you are still paying for the car when he now owns it.You need to think about why you are doing this,is it instead of paying household bills?Do not pay anything more and save for your own car.

GaiusHelenMohiam · 17/01/2022 11:04

I don’t understand the bit about you still making monthly payments (to him?) if the car’s paid off.

girlmom21 · 17/01/2022 11:05

You say you still contribute your monthly payment. Do you mean you're just giving him money?

You can't expect him to give you the money back you've given him if that wasn't the agreement.

elelel · 17/01/2022 11:07

I can't wrap my head around you making payments for his car at all, but you continued to pay after the finance was clear Confused

You refer to the man as your partner, I can't see how this is a partnership. He is taking the piss right out of you. Stop giving him money. How bloody bizarre.

gobbledygoook · 17/01/2022 11:07

Have you had full use of the car for two years? If so then the money you paid was just towards fair use / wear and tear / sharing the car surely? I'm unsure why you're still contributing a monthly amount, unless this also covers all petrol / servicing etc?

I'm not sure you can expect money back from the last two years, if anything I'd stop your monthly payments going forward if you want to get your own car.

gamerchick · 17/01/2022 11:07

Well stop paying him and save for a deposit. He can't say anything can he?

Although why on earth you're making car payments on a car that's fully owned is beyond me.

Original poster
Justme49 · 17/01/2022 11:09

So he thinks as he has paid the majority of the car (he earns more than me) then I should continue to pay my share. I don't have an issue with that as I always pay my way in life. We never agreed anything when we bought it other than I contribute. I am the main user. Pay for all maintenance, MOT, fuel etc

OP posts:
girlmom21 · 17/01/2022 11:10

@Justme49

So he thinks as he has paid the majority of the car (he earns more than me) then I should continue to pay my share. I don't have an issue with that as I always pay my way in life. We never agreed anything when we bought it other than I contribute. I am the main user. Pay for all maintenance, MOT, fuel etc
If the cars paid for then stop giving him money Hmm
elelel · 17/01/2022 11:10

I am the main user. Pay for all maintenance, MOT, fuel etc

Well that's quite the drip feed, isn't it Hmm

Original poster
Justme49 · 17/01/2022 11:11

@gamerchick

Well stop paying him and save for a deposit. He can't say anything can he?

Although why on earth you're making car payments on a car that's fully owned is beyond me.

Yes a lot of people say this to me. Maybe I'm a mug. I wouldn't do that to someone I love if the boot was on the other foot but it is what it is......
OP posts:
NoSquirrels · 17/01/2022 11:11

@Justme49

So he thinks as he has paid the majority of the car (he earns more than me) then I should continue to pay my share. I don't have an issue with that as I always pay my way in life. We never agreed anything when we bought it other than I contribute. I am the main user. Pay for all maintenance, MOT, fuel etc
But are you continuing to pay ON TOP OF maintenance and running costs?

Are you effectively paying off a loan to your partner in order to own the car?

GaiusHelenMohiam · 17/01/2022 11:11

Why are you being such a mug?

NoSquirrels · 17/01/2022 11:12

Stop paying him. Buy your own car.

gamerchick · 17/01/2022 11:12

So you're renting the car from him in effect?

I wouldn't say you're a mug. If you carry on the way you have been with it I might though.

mindutopia · 17/01/2022 11:14

I mean, I think if you don't have savings to pay a deposit, and you have a working car that is only 2 years old that you are the main driver for, that you have paid for, getting another new car is probably not the best use of your money.

If you aren't married though, I hope your name is on the car, otherwise, it's a bit silly to be paying for someone else's car. And no, you shouldn't still be paying for it. It's paid off.

NoSquirrels · 17/01/2022 11:14

What car can you afford on just your own salary?

Original poster
Justme49 · 17/01/2022 11:14

@Ragruggers

Do you live together?Very strange you are still paying for the car when he now owns it.You need to think about why you are doing this,is it instead of paying household bills?Do not pay anything more and save for your own car.
Yes we live together. He says I have another 2 years of payments to make to him till I catch up with what he has paid for it.
OP posts:
Mamamia7962 · 17/01/2022 11:15

Well you have contributed to his car because you were helping to pay for it monthly. Would he have still been able to afford to buy it without you helping?

He now obviously has the expense of running that car. I assume you earn more than him. Stop the monthly payments to him and save for a deposit for your own car.

helpfulperson · 17/01/2022 11:16

Have I got this right? He bought a car for you to use and you have been paying him back for this? But now you want a different car. Will the first car be sold or will you have two cars, one of which doesn't get much use.

Original poster
Justme49 · 17/01/2022 11:16

@mindutopia

I mean, I think if you don't have savings to pay a deposit, and you have a working car that is only 2 years old that you are the main driver for, that you have paid for, getting another new car is probably not the best use of your money.

If you aren't married though, I hope your name is on the car, otherwise, it's a bit silly to be paying for someone else's car. And no, you shouldn't still be paying for it. It's paid off.

Hi, it was second hand when we got it and little things are starting to go wrong now. As I pay for the upkeep, I'm thinking it is time. He also had q go at me for wanting to pay road tax monthly as opposed to yearly. I said I can't afford the lump sum and will find it easier monthly especially after Xmas.
OP posts: