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  • FIRST POST
    • Bellsy1979
    • By Bellsy1979 2nd Dec 17, 10:15 PM
    • 4Posts
    • 0Thanks
    Bellsy1979
    Car loan long story
    • #1
    • 2nd Dec 17, 10:15 PM
    Car loan long story 2nd Dec 17 at 10:15 PM
    Hello

    I am looking for advice. Long story but relationship has ended a while ago and I am left with a mess. Took out a car loan for about 10 grand in my name, insurance is in my name tax in my name the whole lot in my name. Ex partner was not working and did not pay for any of it. His disappeared with car and canít get car back it doesnít pay for any of it and never has. Yea stupid I know but Iíve had hell from this man who has lied to me from day one. Basically a lying drug addict with one hell of a past I did not know about. Yip live and learn and I am suffering the emotional and mental scars of being with a mentally abuse lying partner. I have asked for the car back over and over but get no where, his above the law so threats of police have no affect. Police are not interested. Any ideas what can I do.... and not do. I am sick of it all and want away from it all.

    Please some friendly supportive advice is what I need
Page 1
    • LilElvis
    • By LilElvis 2nd Dec 17, 10:18 PM
    • 3,195 Posts
    • 8,841 Thanks
    LilElvis
    • #2
    • 2nd Dec 17, 10:18 PM
    • #2
    • 2nd Dec 17, 10:18 PM
    Is the car itself registered in your name?
    • Bellsy1979
    • By Bellsy1979 2nd Dec 17, 10:22 PM
    • 4 Posts
    • 0 Thanks
    Bellsy1979
    • #3
    • 2nd Dec 17, 10:22 PM
    • #3
    • 2nd Dec 17, 10:22 PM
    Yea everything is in my name
    • lewishardwick
    • By lewishardwick 2nd Dec 17, 10:30 PM
    • 482 Posts
    • 591 Thanks
    lewishardwick
    • #4
    • 2nd Dec 17, 10:30 PM
    • #4
    • 2nd Dec 17, 10:30 PM
    Have you replied to the police as stolen? Like, properly dialled 999 and told you'd like to report a stolen vehicle?

    Do it now.

    Taken without consent is a crime. ANPR should pick the car up song enough, if he still has it.
    • Bellsy1979
    • By Bellsy1979 2nd Dec 17, 10:38 PM
    • 4 Posts
    • 0 Thanks
    Bellsy1979
    • #5
    • 2nd Dec 17, 10:38 PM
    • #5
    • 2nd Dec 17, 10:38 PM
    I was told the police wouldnít get involved. The stupid thing is we are married.... I never thought I would be one of those women who fell for a liar. know it sounds stupid but Iím worried about what happens if I phone the police. I didnít know about his past and real life when we got married
    • Bellsy1979
    • By Bellsy1979 2nd Dec 17, 10:40 PM
    • 4 Posts
    • 0 Thanks
    Bellsy1979
    • #6
    • 2nd Dec 17, 10:40 PM
    • #6
    • 2nd Dec 17, 10:40 PM
    Maybe the only thing to do is phone police. I feel stupid and ashamed
    • Reb2016
    • By Reb2016 2nd Dec 17, 11:04 PM
    • 161 Posts
    • 397 Thanks
    Reb2016
    • #7
    • 2nd Dec 17, 11:04 PM
    • #7
    • 2nd Dec 17, 11:04 PM
    Please don’t feel stupid and ashamed, it’s easy to get caught by a liar, and I’m speaking from personal experience here.
    I would ring the police and report it as stolen, as that is what it is, it’s your car and he has taken it without your consent.
    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 11837.25
    DFD was October 2020 40 months now 21st Dec 2019 26 months Overdraft £720/£2250
    • Kynthia
    • By Kynthia 2nd Dec 17, 11:04 PM
    • 5,042 Posts
    • 7,021 Thanks
    Kynthia
    • #8
    • 2nd Dec 17, 11:04 PM
    • #8
    • 2nd Dec 17, 11:04 PM
    Don't ring 999 as it's not an emergency. If the police won't do anything then you need to go to court. Considering you're married it could be considered a marital asset. Therefire it might be best to see a solicitor to discuss how to handle the splitting of marital assets and debts.
    Don't listen to me, I'm no expert!
    • tealady
    • By tealady 2nd Dec 17, 11:08 PM
    • 2,736 Posts
    • 3,231 Thanks
    tealady
    • #9
    • 2nd Dec 17, 11:08 PM
    • #9
    • 2nd Dec 17, 11:08 PM
    Think of it this way
    You buy a car
    You pay the tax and insurance.
    The car "vanishes"
    Who you gonna call. Ghostbusters? Of course not.
    Ring the police and report it as stolen.
    Last edited by tealady; 02-12-2017 at 11:10 PM. Reason: Spelling
    Proud to be an MSE nerd
    Judge people by their achievements, not by their mistakes
    • Kynthia
    • By Kynthia 2nd Dec 17, 11:45 PM
    • 5,042 Posts
    • 7,021 Thanks
    Kynthia
    The fact it was a marital asset makes a difference. It is possibly a civil dispute rather than a criminal one and the courts decide civil disputes rather than the police.

    https://www.askthe.police.uk/content/Q830.htm
    Don't listen to me, I'm no expert!
    • Pollycat
    • By Pollycat 3rd Dec 17, 8:53 AM
    • 18,553 Posts
    • 47,763 Thanks
    Pollycat
    Is the car the only financial/emotional issue between you?

    No house?
    No children?

    If it is, you may benefit from a free 30 minute session with a solictor.
    But be prepared.
    Write a list of questions.
    Don't deviate into going on about his drug-taking or other bad qualities - you need to maximise the advice you get in that short time and that would only waste time.
    Give the solicitor the full story. e.g. you didn't say you were married until your second post - this fact may change the advice you get.

    Good luck.
    • nicechap
    • By nicechap 3rd Dec 17, 9:42 AM
    • 841 Posts
    • 1,909 Thanks
    nicechap
    Perhaps cancel the insurance & tax until its returned?

    Once cancelled, use 101 to inform police that your ex is driving around in an uninsured vehicle?
    Last edited by nicechap; 03-12-2017 at 9:44 AM.
    Quote was right and saw into the future.
    • Fosterdog
    • By Fosterdog 3rd Dec 17, 9:53 AM
    • 3,438 Posts
    • 5,865 Thanks
    Fosterdog
    Is your ex actually insured to drive the car? You say it’s insured in your name but is he a named driver? Also if the car is no longer kept where you told the insurance company it is kept then any policy may be void.
    • nimbo
    • By nimbo 3rd Dec 17, 10:04 AM
    • 3,214 Posts
    • 8,861 Thanks
    nimbo
    No practical advice other than: If the insurance is cancelled and then the car is damaged etc you have no way to claim....

    Not helpful but I hope you get it resolved soon.

    Stashbuster - 2014 98/100 - 2015 175/200 - 2016 501 / 500 2017 - 3 / 500
    • TonyMMM
    • By TonyMMM 3rd Dec 17, 11:37 AM
    • 2,515 Posts
    • 2,698 Thanks
    TonyMMM
    He didn't take it without consent though, and sadly for the OP this is purely a civil dispute, a relationship breakdown doesn't suddenly create a theft. The police will not get involved.

    Do you have a spare key, and do you know where the vehicle is likely to be kept/parked ?
    • cjdavies
    • By cjdavies 3rd Dec 17, 11:44 AM
    • 2,839 Posts
    • 2,873 Thanks
    cjdavies
    It does not matter who the car is registered to, who pays for the tax or insurance.

    The only thing that matters is who the owner is.

    Does anyone know the difference between 101 and 999!! Look it up.
    • TonyMMM
    • By TonyMMM 3rd Dec 17, 11:57 AM
    • 2,515 Posts
    • 2,698 Thanks
    TonyMMM
    Does anyone know the difference between 101 and 999!!
    Originally posted by cjdavies
    In most forces nowadays they are answered by the same call takers - the only difference is the way the calls get prioritised in the queuing system.
    • motorguy
    • By motorguy 3rd Dec 17, 4:11 PM
    • 15,788 Posts
    • 9,077 Thanks
    motorguy
    Hello

    I am looking for advice. Long story but relationship has ended a while ago and I am left with a mess. Took out a car loan for about 10 grand in my name, insurance is in my name tax in my name the whole lot in my name. Ex partner was not working and did not pay for any of it. His disappeared with car and canít get car back it doesnít pay for any of it and never has. Yea stupid I know but Iíve had hell from this man who has lied to me from day one. Basically a lying drug addict with one hell of a past I did not know about. Yip live and learn and I am suffering the emotional and mental scars of being with a mentally abuse lying partner. I have asked for the car back over and over but get no where, his above the law so threats of police have no affect. Police are not interested. Any ideas what can I do.... and not do. I am sick of it all and want away from it all.

    Please some friendly supportive advice is what I need
    Originally posted by Bellsy1979
    Did you take out a car loan or a loan for a car?

    ie, did you take out finance against the car, or was it a personal loan which you used to buy a car?
    You are not special. You are not a beautiful and unique snowflake.
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