post BR

Lacoste-kid

qwertyuiop

shadowdragon

Couldnt your parents buy the car, and have it registered in there name and you use it?

Our car was purchased out of my partners DLA backpay and is registered in my name, the OR was happy with that, and had no interest in it.

although its a grey area and differs from OR to OR.

Also how much is the car, as that might have the OR drooling if woth a bit?

blueopal5577

All assets, even aquired post BR until you are discharged belong to the OR. I would check with OR but would imagine you'd need it to be in their name. The gift is basically money, which is assets, which belongs to OR, or more accurately, your creditors.

blueopal5577

Forgot to say, you are allowed a car though, presuming its not outrageously luxurious, if its neccessary for work or day to day living.

Discuss with the OR, perhaps it can be accommodated into your expenses that you save X for a car.

piggeh

I dont think you can insure a car if it's not registered in your name. However, you could ask them to buy it (so their name is on the sales receipt), but you register it. When I was BR my car was purchased by my mum and I registered it. OR questioned it and almost took it away but as it wasnt mine (and we had a receipt from garage backing up that she bought it) then it wasnt an issue.

shadowdragon

piggeh wrote: »

I dont think you can insure a car if it's not registered in your name. However, you could ask them to buy it (so their name is on the sales receipt), but you register it. When I was BR my car was purchased by my mum and I registered it. OR questioned it and almost took it away but as it wasnt mine (and we had a receipt from garage backing up that she bought it) then it wasnt an issue.

Not sure about that tbh, I have trade insurance (from when I had a car and a van) and never bothered to change it, doesnt matter whos name its in then as I am insured, not the vehicle (pain in the butt sometimes as when the police check the numberplate it pops up as an uninsured vehicle), have to carry my certificate around with me all the time.

piggeh

Apologies if it's wrong, I guess commercial insurances are different (well, they are as you just need to be a named employee for example) but wasn't aware you could insure a car you're not the registered owner of for private cars- maybe you cant insure it fully comp and only third party or something?

Either way I did manage to keep the car as my mum was the one who held title accoridng to the garage's receipt.

fiveyearplan

I'm sure you're right piggeh. I remember buying a car and I wanted it in OH's name but the insurance people said the insurance had to be to the registered keeper.

Now, the registered keeper is not always the owner - company cars etc. It should be possible for your parents to buy the car (and make sure there is a good paper trail to buying it!) and you could be the registered keeper.

If any questions are asked you just say the truth - the car belongs to your parents but they are letting you use it until such time as you get back on your feet. End of story!

piggeh

Just fyi when the OR quizzed me about 'mine' - we told them it was registered to me because I used it and any speeding fines, parking tickets etc would be my responsibility, rather than theirs. I also included car maintenance, tax, etc within my budget I think!

washappychick

Hi All

I'm a newbie here only found your site tonite been reading for hours. Could use some advice if possible;
I jointly own my house with soon-to-be ex- hus, we split 2 years ago when I wouldn't put my name to anymore credit, but we agreed that I would maintain the mortgage on the house £640 a month, as my kids & I had lived there for 23 years & he moved in 18 years later.We agreed he was going to pay the 2 loans we had, which are both joint & total £33k. This worked fine for 18 months then he stopped paying one of the loans and they began chasing me for payment, which I could not afford to pay. During this time I had moved to Wales with work but rented the house to my brother & his family. I have just been made redundant, last week, from my job and moved back to my home town, I'm staying with my sister at the mo. My brother would like me to move back into my house as he would be able to get cheaper housing. I am divorcing my ex and had put the house on the market to pay off as much as I can of the debt, but there is not enough equity in the house to pay everything off, we will still be left with about £11k maybe more in present climate. I am worried about ex still being able to influence my life until the divorce goes thro tho. I have put my furniture in storage which I will not be able to pay for long. My job propects are good it is just going to take some time with it being xmas, my questions are; should I move into my house, but how will I pay the mortgage & essential bills water, gas, electric, should I be thinking of br or IVA, before my redundancy I had been offered the opportunity to buy into a franchise in the new year which I was seriously considering, more credit I know but this would be backing my skills. Am going to ring CCCS tomorrow and anybody else I can think of but there has been some good advice on here so I thought I would post.
Any comments would be appreciated & I apologise for the life history

So_Sad_Angel

Hiya Chick & welcome

Gosh theres a lot there. Well done on posting it really helps you to see it on screen & get it out there. CCCS is good but call Nat Debtline as well & CAB if you prefer face to face. Cab can also help on the benefits front.

You will be best to start your own thread & copy this info onto there then you will get more replies specific to you. Just click the new thread button & copy & paste...if you need help just shout.