Financial help after a split.

itsanne

Telina wrote: »

gawd, do you people not follow this thread at all? I didn't ask about car insurance or home security - just what to do about the eventuality of debt collectors and/or bailiffs turning up at my door, plus the problem of her using this address to obtain money.

That is a very ungracious response to people who have tried to help you.

Unless you are very happy to find yourself in even bigger trouble than fending off debt collectors you would do well to take on board the advice you have been given about things you hadn't considered or realised - even though you are uncomfortable with what you need to do.

Telina

I asked about debt collectors/ bailiffs, not car insurance

springdreams

Actually you asked about keeping your now ex's car ....

You subsequently changed the question along the line when your circumstances changed.

Then whinge when people try to help you by offering advice about a range of things that may arise surrounding the car you first asked about.

And despite the fact that you started this thread, these threads always tend to turn into discussion sessions for those that take the time to respond, and become a general chat about the topic raised for everyone. But given that you don't seem to participate much in this forum, despite registering as long ago as 2006, perhaps you are not aware of this, nor how to be gracious for the advice you have received so far.

Dird

ognum wrote: »

the car is registered to her so belongs to her, you can of course cancel the insurance.

Registration is not proof of ownership. Unless there's an invoice with her name OP can sell it (too late now though).

Source: Can't Pay We'll Take It Away

thorsoak

Telina wrote: »

gawd, do you people not follow this thread at all? I didn't ask about car insurance or home security - just what to do about the eventuality of debt collectors and/or bailiffs turning up at my door, plus the problem of her using this address to obtain money.

That's not a very gracious response is it now? Just make sure that she is not on the electoral roll at your address - and claim single person's discount for council tax.

Guest101

Dird wrote: »

Registration is not proof of ownership. Unless there's an invoice with her name OP can sell it (too late now though).

Source: Can't Pay We'll Take It Away

yes and no. The car belongs to whoever paid for it. An invoice is not required.

itsanne

Telina wrote: »

I asked about debt collectors/ bailiffs, not car insurance

You didn't mention debt collectors or bailiffs at the start:

Telina wrote: »

I really hope someone can help me please.
My partner and I are separating due to her compulsive gambling which has caused me mental health problems. Back in February she won £10,000 online after already promising that she would never gamble again for the 3rd time. She bought a car for £3,500 and without my knowledge has gambled the rest of it away. The car is registered in her name and the insurance is in mine. The car is currently still here and I was wondering if I can legally keep it.
My intention is to sell it as I believe I have a legal right to some of the money she won and didn't share at all with me.
Thankyou for any help.

Once she left you added a lot more information, which led to the responses you haven't liked. Short of quoting everything you posted:

Telina wrote: »

It transpires that she is using my address when she lives elsewhere and borrowing money. Since mid-November she has bowed £2000 on her car from CarCashPoint, A default notice from Satsuma, a notice of Judgement arrears from BWlegal for £1,223.36, and a letter from Amigo loans advising of a failed monthly payment of £103.06. She is obviously using my address to borrow money with no intention of paying it back (I guess to gamble it instead). I guess that there will be a line of debt collectors and/or bailiffs coming here - thinking that this is her address.

Does anyone know if I can prevent this please. I really don't want all of this aggravation.

Telina wrote: »

I'm also worried that she may be commiting fraud, by using a false address in order to obtain money (deception ? )

The false address would be yours, so people advised you how to avoid any problem with that. They also realised that you hadn't recognised that the car insurance could also be a source for "all of this aggravation" so helped with that too. That ended up with more posts because you (still) don't appear to appreciate how much trouble the car insurance can cause:

Telina wrote: »

No I haven't cancelled it. The policy was paid in full for a year. It's in my name as the main driver (it was a lot cheaper), and she paid it. I suppose technically the insurance isn't valid now as I don't drive it at all, and it's no longer kept on the drive overnight at this address. I know what she's doing, but it's not in my nature to respond like for like. In my eyes I would just be being nasty for no real reason.

Discussion about opening her mail was bound to happen, because there are always misconceptions about what is and isn't allowed with regard to opening other people's mail. Those who thought you couldn't legally open it were again trying to help you. Everyone, regardless of their views about the legality, suggested the most straightforward way forward for you.


I fail to understand your defensiveness towards those who have tried to help. You're already stressed - acting on what they say would be much better for you than burying your head in the sand.

Candyapple

Telina wrote: »

I asked about debt collectors/ bailiffs, not car insurance

Do you realise that if she has an accident and the insurance company investigates the claim - that when they find out (and they always do) that you were never the main driver, thus making the insurance policy invalid, not only will she find herself uninsured, but also liable to pay out the costs for any repairs to the other car out of her own pocket.

As if that wasn't bad enough, both of you would be put on the insurance blacklist (yes there is such a thing, the CUE database) for insurance fraud. Do you realise that if you ever want to drive a car again, that any policy you attempt to take out with any of the major insurers would be declined? You would only have 2 companies out there willing to insure you - albeit at astronomical sky high rates.

And the final icing on the cake - you would definitely be put down for a CIFAS marker for insurance fraud/application fraud. Wave goodbye to obtaining any credit for the next 6 years and any accounts you hold with banks/credit cards also possibly being closed if they do monthly CRA feeds (e.g. Lloyds, MBNA etc)

https://www.cifas.org.uk/what_are_the_fraud_types_cifas_uses

So yes, whilst you may only have asked about debt collectors and bailiffs, there are wider implications to yourself relating to this.

Have you applied for your credit files? This is also very important.