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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:
elelel · 17/01/2022 11:18

He says I have another 2 years of payments to make to him till I catch up with what he has paid for it.

So he took the finance for a car for you, and now you don't want to pay him the agreed amount?

Original poster
Justme49 · 17/01/2022 11:20

@gobbledygoook

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.

So yes, I've had full use. I already pay for all repairs, wear and tear etc
OP posts:
Original poster
Justme49 · 17/01/2022 11:21

@araiwa

Cars cost money to run
Which I pay for in full.
OP posts:
SlashBeef · 17/01/2022 11:21

Confused dump the shit boyfriend and get yourself a new car.

Original poster
Justme49 · 17/01/2022 11:21

@elelel

He says I have another 2 years of payments to make to him till I catch up with what he has paid for it.

So he took the finance for a car for you, and now you don't want to pay him the agreed amount?

That wasn't the question. I said I have no issues paying for it.
OP posts:
SD1978 · 17/01/2022 11:21

I'm not sure I understand the set up. You currently share a car, which you use the majority of the time, and he's paid it off, but would like you to contribute 50/50 to the cost, which will be a further two years. You want to buy another car, and he feels you should continue to pay for your share of the current car, which you haven't given him yet. That seems reasonable to me if the car bill had been agreed as a 50/50 split, you still owe him your half? Why do you now want another car?

Dsisproblem · 17/01/2022 11:21

Do you have kids together and if so is the car needed to transport them?

I feel differently about this depending on if this is a family car or just one that you use.

elelel · 17/01/2022 11:22

That wasn't the question. I said I have no issues paying for it.

You are asking here if you should get money back so definitely an issue somewhere Hmm

Original poster
Justme49 · 17/01/2022 11:24

I will never own the car.

OP posts:
peachgreen · 17/01/2022 11:24

So actually he's bought you a car, you're paying him back, and now you want him to buy you a nicer car?

Hmm
Original poster
Justme49 · 17/01/2022 11:24

@elelel

That wasn't the question. I said I have no issues paying for it.

You are asking here if you should get money back so definitely an issue somewhere Hmm

Ummmm yes! Kinda obvious
OP posts:
SlashBeef · 17/01/2022 11:25

@peachgreen

So actually he's bought you a car, you're paying him back, and now you want him to buy you a nicer car?

Hmm

Ooh I see now. You're being a CF in that case OP.
Sirzy · 17/01/2022 11:26

The more you post the less I think he is being unreasonable and I think it’s just an odd set up.

If he took out the finance on the deal you would pay the value back then you pay the value back surely?

GaiusHelenMohiam · 17/01/2022 11:26

Ok looking at it from the point of view that he fronted your 50% of a shared car then I understand the payments.

You now own whatever percentage you’ve paid of the total cost so when you sell it that money is yours.

So if the car cost 10k and you’ve paid in £2.5k. If you sell it for £8k you are owed £2k. The rest is his.

Mamamia7962 · 17/01/2022 11:26

Ignore what I said before, it is completely wrong after your drip feed!!

I am confused!

NoSquirrels · 17/01/2022 11:26

If you’ll never own the car, stop paying for it.

But obviously then he can say you’ll have to stop using it.

Then you’ll be carless.

How will you buy a car in that scenario?

girlmom21 · 17/01/2022 11:28

Ok so you've got a car that's registered in his name but you mostly use and he wants you to pay half of the value of the car, because it's a family car in essence - to be used by both of you?

You're paying the upkeep because you're using the car.

What was the agreement re: payments initially?

sunnybunnyy · 17/01/2022 11:28

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.

^ so is he saying once you've paid your half you'll own half?

NoSquirrels · 17/01/2022 11:29

Why have you agreed to pay 50% of a car you’ll never own? That’s the crux of it.

If your payments aren’t going towards owning 50% then no, you can’t get that money back.

Original poster
Justme49 · 17/01/2022 11:30

Where does it say I am not paying my share?

OP posts:
MsJaneAusten · 17/01/2022 11:31

This is really confusing.

Whose name is the car in? If it’s his, please stop paying anything for it - other than the petrol you use - and instead, start putting the money you were giving him into a savings account so that you have a deposit for your own car. If it’s yours and you agreed to pay him back, then keep paying him.

It all sounds seriously messed up though. I suspect the car is the least of your worries.

Original poster
Justme49 · 17/01/2022 11:31

@sunnybunnyy

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.

^ so is he saying once you've paid your half you'll own half?

No, I will never own any of it. He will sell it and walk away with all the proceeds.
OP posts:
CurtainTroubles · 17/01/2022 11:31

This reply has been deleted

Withdrawn at the user's request

NoSquirrels · 17/01/2022 11:32

@Justme49

Where does it say I am not paying my share?
But the point is, are you ‘buying’ anything with that payment?

Are you buying into joint ownership of the asset?

Or are you just paying him for something that’s never going to be yours to sell?

CurtainTroubles · 17/01/2022 11:32

This reply has been deleted

Withdrawn at the user's request