Ex's car

[Holland2012]

Looking for advice please!

Me and my partner have 2 children and spit up 3 years ago, in that time we saw other people and things were amicable and all was fine. I had been seeing a guy for 2 years but split up with him early Dec 2019. In the time we were together my car completely broke down and he suggested he would get a car on finance, I wasn't keen on the idea, it was quite alot of money and it didn't sit comfortably with me, however he somehow convinced me other wise and we got the car in Feb 2019. When I split up with him, he said I could keep the car and just pay the monthly payments to him, which I have done. He did email me a 'contract' to sign to say I would pay etc which I didn't sign and he hasn't pushed on with. The car is in his name and so is the finance but I have all the paperwork.
In late Jan, me and my original ex decided to give things another go and very quickly became pregnant.
When I'm typing this it feels like such a mess my anxiety is getting on top of me, covid19 not helping!
I was going to hand the car back to him last Dec, however my father died, which I had to arrange and actually needed the car to drive to back and forth to Hertfordshire.
Now we're 6 months down the line, I'm stuck in with school aged child, who aren't back to school, 23 weeks pregnant, with a car that's not mine and I don't know what to do with.
To be honest, I'm worried to speak or even see him as he was always paranoid about my ex and would always question if we would get back together, which of course I always denied because that was genuinely the case. I never pictured us getting back together, but it felt right for us and the children. We had clearly missed each other and wanted to start afresh. So I'm worried what he will say if he finds out and even more so that I'm pregnant and that it happened a few months after we split.
My now partner says it doesn't matter what I do with the car and says just keep it.
It just bothers me that this isn't my car and he could take it back at any time, or that say I got a speeding or parking ticket it goes to his address.
So my options are keep it, give it back or ask him to sign it over in my name?!

All seems so trivial really, however it is getting me down and I feel paranoid driving it around!!

Anyone been in a similar situation? Any advice welcome, tia x

Can you get a loan and buy tge car from him?

Are you still paying the finance? If so, keep the car.

If you’re not paying him now (or intend to stop) then you need to hand it back. He’d be within his rights to repossess the car.

You really must formalise this in some way, it’s stupid worrying about it. If you have been paying the full finance on it, I would explore how easy it is to transfer into your name. If you haven’t been paying full finance on it you need to give it back to him. This situation is not only preying on your mind but I suspect is not altogether legal in one way or another. Who is the registered keeper, what is the insurance arrangement, does the finance company care where it’s kept and who is the main driver etc.?

There is no need for any of this to be a mess. It will be if you don’t acknowledge that you accepted the offer from your ex, you needed the car and you used the car. You should formalise the agreement to maintain payments if you can’t get a loan to buy him out. Otherwise return the car/ sell it and make good any loss to your ex.

The fact you are pregnant and back with your ex doesn’t stop you doing that and is frankly incidental. IMO not addressing this would be quite shabby and low.

Thank you for your replies and I agree, I definitely need to deal with this!
So, he is the registered keeper, the finance is in his name and the insurance is in my name.
Unfortunately my credit isn't worthy enough to get a loan out to be able to pay him back and I'm not sure you can simply change the name over.
I pay in full every month to his account.