Bank lost cheque and are denying ever having it.... Desperate and need help!

Gromitt

Angrywithlloyds wrote: »

Does this mean I technically still own the vehicle?

On the sheet of paper you got them to sign, did you write "I remain in full ownership of the vehicle until payment is received in full" ? It seems a common thing for when you receive goods without cleared payment.

The problem I see is that transfer of ownership has to do with filling in the V5C, both of you signing it, and then sending it of to the DVLA. Some people say this just changes the registered keeper, but its the only way on the V5C notes to change the ownership as well.

So you may technically still own the vehicle and you will therefore still be liable for anything the buyer does in that vehicle.

Angrywithlloyds

closed wrote: »

Stretching the story somewhat.

Did you lose/sell your phone with the call logs in the last 9 days too, along with the phone no, name, address, a 10k cheque (interesting number), a v5C, mot certificates, service history, confidence in the ability of at least half a dozen bank staff, and a car.

Have you actually read the posts?
Please read before adding your 'helpful' comments.
My phone only stores 20 calls, either missed, received or made.
I never took the details of the buyer, the car was up for £10,500 I took £10k for it.. (Interesting fact).. I could point you in the direction of where it was advertised for you to see for yourself.. But it's not necessary. I didn't lose the car mots, service history, paperwork etc, they were given to the buyer when he collected the car that he had paid for - after the bank said the money was cleared.

Angrywithlloyds

Gromitt wrote: »

On the sheet of paper you got them to sign, did you write "I remain in full ownership of the vehicle until payment is received in full" ? It seems a common thing for when you receive goods without cleared payment.

The problem I see is that transfer of ownership has to do with filling in the V5C, both of you signing it, and then sending it of to the DVLA. Some people say this just changes the registered keeper, but its the only way on the V5C notes to change the ownership as well.

So you may technically still own the vehicle and you will therefore still be liable for anything the buyer does in that vehicle.

The bank told me the payment was cleared and that the money will be in my account!
This is the only reason I let the buyer take the car, I would like to think I am not completely stupid!
All the buyer signed was a receipt, the working of which I got from the Internet and wrote in a previous post.

matty_544

Angrywithlloyds wrote: »

The senior branch manager has been investigated, they have all said that there was a mistake and the cashier wrote the wrong amount.

Still wouldn't have accepted this. Did they give proof of the investigation?

Remember uve got the receipts that they gave u. these receipts back up your story.

Wat physical proof do they have that backs up their version of the story and have u seen this proof or are u just taking their word for it?

closed

Angrywithlloyds wrote: »

Have you actually read the posts?
Please read before adding your 'helpful' comments.
My phone only stores 20 calls, either missed, received or made.
I never took the details of the buyer, the car was up for £10,500 I took £10k for it.. (Interesting fact).. I could point you in the direction of where it was advertised for you to see for yourself.. But it's not necessary. I didn't lose the car mots, service history, paperwork etc, they were given to the buyer when he collected the car that he had paid for - after the bank said the money was cleared.

I've read it, but have missed the one where it says why you don't know the name, address and phone number of someone you have just sold a car to, and the whereabouts and contents of the v5 are still unknown. The details of what you need to do with a V5C when selling a car are hard to miss.

And why there are seven cheques, and why they would say it is cleared when it wasn't when you already said it wasn't there at all according to their system

Too many things have gone wrong.

Angrywithlloyds

matty_544 wrote: »

Still wouldn't have accepted this. Did they give proof of the investigation?

Remember uve got the receipts that they gave u. these receipts back up your story.

Wat physical proof do they have that backs up their version of the story and have u seen this proof or are u just taking their word for it?

All I have is what they are saying on the phone, I expect there to be some proof of the investigation in the letter I hope to receive tomorrow.

Angrywithlloyds

closed wrote: »

I've read it, but have missed the one where it says why you don't know the name, address and phone number of someone you have just sold a car to, and the whereabouts and contents of the v5 are still unclear. The details of what you need to do with a V5C when selling a car are hard to miss.

Too many things have gone wrong.

The log book form was given to the buyer. I assumed that the buyer just tells the dvla they now own the car. I know differently now after reading comments on here and talking with the police. The reason I don't have his details is because I never took them, he called me, I had a few people call me and email to enquire about the car, I never took any of their details.
The only thing that has gone wrong is the bank have lost my money.

closed

no, Too many things ..

A bank representative told you to lie about it being stolen.. 3 people (bank staff) can't add up the total or count upto 7 (the number of cheques is written on the paying in slip), you didn't fill the slip in yourself as most people would do, you happened to pay in cheques large enough to trigger money laundering questions and the one that goes missing happens to be for the car - exactly 10k, 1 person can't read a screen that says cleared funds properly, when previously this 10k wasn't being registered at all on the system. (something you could also check online or in an atm), x amount of people in the bank have said tough we are washing our hands of it, the dvla/police/citizens advice are too busy to help, and it all happened over a bank holiday period.

and while all this is going on, you handed over a v5c and a car to someone unknown, without reading the "what to do if you sell the car section", and don't seem interested in the slightest that if this happened, you have potential insurance/fine/tax problems in the pipeline.

And to cap it all, your phone has wiped out the phone number of the one person you might need to speak to, to get a replacement cheque, and you didn't phone them, save or write down their contact details

not one butter side up landing to be seen

grumbler

closed wrote: »

no, 3 people can't add up,

They can. It's you and the bank only that say that they cannot.

1 person can't read a screen that says cleared funds properly

Why does this surprise you? Incompetence in CS is a common place, not to mention overloading and high pressure resulting from a big number of phone calls in the queue.

...police...are too busy to help.

Does this surprise you too? Have you ever dealt with police? How are they supposed to help if this is a civil matter, not a crime?

antrobus

Gromitt wrote: »

....The problem I see is that transfer of ownership has to do with filling in the V5C, both of you signing it, and then sending it of to the DVLA. Some people say this just changes the registered keeper, but its the only way on the V5C notes to change the ownership as well. ...

By 'some people' do you mean the DVLA?:rotfl:

Remember, the V5C is not proof of ownership.

Your Registration Certificate(V5C) and you
https://www.direct.gov.uk/prod_consum_dg/groups/dg_digitalassets/@dg/@en/@motor/documents/digitalasset/dg_065264.pdf

There are lots of people out there who are the registered keepers of cars they don't own, and even some people who own cars that are registered to other people.