Help! Car was impounded and now the lender has it

wgl2014

Mza123 wrote: »

Registered keeper and legal owner are different.

Here’s a quote taken form creditplus:

“Blah blah blah.”

Hope this clears things up a little

I understand what a registered keeper is. In many cases this will be the finance company who may also be the owner.

You may be the keeper of the car (as in the person using it) but not be the registered keeper (named on the V5).

As has already been said the Police would not have an immediate way to identify an owner not shown as the RK.

If you do not have physical possession of the V5 you are unlikely to be the RK. Do you have the V5 in your possession?

Ectophile

Am I the only one to notice that after 5 pages of Spanish Inquisition, remarkably few of the posters have actually offered anything in the way of useful advice?

My thoughts would be:

1. Make a formal complaint to the finance company that they are being unreasonable.
2. If you don't get the answer back that you want, take it on to the financial ombudsman.

Car_54

Mza123 wrote: »

I’m sure police have some sort of system in place that protects lenders assets so they’d be able to contact them. Police ask for proof of ownership which would probably be a purchase invoice i guess.

The police have no way of knowing who the owner is.

I've never known police to ask anyone for proof of ownership, and it's not a document you're require to produce ( or even possess).

They do tend to ask " Is this your car, Sir?" but that's not the same.

Mza123

Warwick_Hunt wrote: »

No, they have access via the pnc to the dvla, which will be the same information as on the V5. They also have access to the insurance database with will be the same as your certificate.

Your story ain’t adding up.

Lol you can literally find the lender of a vehicle with a HPI check. My story is adding up, you’re just trying to be a smart !!!.

The police have duty to contact the legal owner of the situation

Mza123

wgl2014 wrote: »

I understand what a registered keeper is. In many cases this will be the finance company who may also be the owner.

You may be the keeper of the car (as in the person using it) but not be the registered keeper (named on the V5).

As has already been said the Police would not have an immediate way to identify an owner not shown as the RK.

If you do not have physical possession of the V5 you are unlikely to be the RK. Do you have the V5 in your possession?

Yes I am in possession of the V5 and it is in my name

Warwick_Hunt

Mza123 wrote: »

Lol you can literally find the lender of a vehicle with a HPI check. My story is adding up, you’re just trying to be a smart !!!.

The police have duty to contact the legal owner of the situation

Ok pm me the vehicle reg and I’ll tell you who nicked it.

Mza123

Ectophile wrote: »

Am I the only one to notice that after 5 pages of Spanish Inquisition, remarkably few of the posters have actually offered anything in the way of useful advice?

My thoughts would be:

1. Make a formal complaint to the finance company that they are being unreasonable.
2. If you don't get the answer back that you want, take it on to the financial ombudsman.

Lol, thank you, I have already tried with the finance company and there’s nothing more I can do. I will contact the financial ombudsman tomorrow.

Mza123

Car_54 wrote: »

The police have no way of knowing who the owner is.

I've never known police to ask anyone for proof of ownership, and it's not a document you're require to produce ( or even possess).

They do tend to ask " Is this your car, Sir?" but that's not the same.

Anytime you go to retrieve a seized car, they’ll ask you for proof of ownership or proof you are the keeper.

Manxman_in_exile

Ectophile wrote: »

Am I the only one to notice that after 5 pages of Spanish Inquisition, remarkably few of the posters have actually offered anything in the way of useful advice?

My thoughts would be:

1. Make a formal complaint to the finance company that they are being unreasonable.
2. If you don't get the answer back that you want, take it on to the financial ombudsman.

I agree with your thoughts. I think other posters (me too!) have been distracted by some of the rather unusual elements of the Op's story.

Manxman_in_exile

Mza123 wrote: »

Lol, thank you, I have already tried with the finance company and there’s nothing more I can do. I will contact the financial ombudsman tomorrow.

Don't you have to go through the finance company's complaints process first? Take up to eight weeks(?).


Complain to them. The car may not "technically"have been in your possession, but if that was through no fault of your own, I think they're being unreasonable.