Car finance in ex's name but I am registered keeper..

AnotherJoe

As per Molerats post, not sure I understand the dilemma here.
Stop paying ex the £115 a month. The cars not worth much, so forget the trade in value, and you will be £115/month better off. Its his problem after you stop.That should bring him round.

Samm0202

warby68 wrote: »

Its not that much of a favour as you got a car to drive out of it. It would be more of a favour if you paid for something you didn't have or if you had actually taken over responsibility for the finance when you split. If you keep mentioning 'favour' to your ex that could be what is getting his back up. Truthfully, the favour looks the other way round - he let you keep driving a car and stayed responsible for the payments. If you didn't want the car, why didn't you get rid much earlier or, if you were keeping it, refinance in your own name ? Perhaps he feels as burdened as you do.

If you can't have a chat about it, maybe an email with a list of options. Make it clear you ARE getting rid but want to make sure its done in a way which doesn't leave him with any problems so are giving him first choice how to do it ie a more tangible favour from you. If he sees that a likely option if he stays silent is payment stopping and getting the car back he might just play ball.

PS just seen that its broken down and in the garage - are you hoping to avoid paying for repairs as that could explain radio silence from the ex as well.

It was a favour given that it's not the car I would have chosen to drive. It would have been just as easy for me to go and get my own car but saddling him with two car payments didn't sit well with me.

I haven't mentioned it being a favour once to him. He has never mentioned refinancing the car in my name I have already approached him politely and told him that I want the car gone and would like him to VT it now. He stated he would prefer me to trade it in so he didn't have to deal with VT. I am not trading the vehicle in as previously mentioned. In terms of getting rid of the car earlier, I do not believe the car would have ever sold for more than what was leftover on finance so accepted that I would keep and pay for it until the time of VT.

I most definitely am not attempting to avoid paying for repairs - I have had sole use of the car for 2 years and have taken sole responsibility for all repairs that have been required in that time.

Samm0202

AnotherJoe wrote: »

As per Molerats post, not sure I understand the dilemma here.
Stop paying ex the £115 a month. The cars not worth much, so forget the trade in value, and you will be £115/month better off. Its his problem after you stop.That should bring him round.

Really, I was just looking for advice on whether or not I could be liable in any way for any future payments if the car was not quite at VT stage (given that I have been registered keeper for 2 years). I have absolutely no knowledge of civil law so was just looking to have that cleared up before I stopped any payments and returned the car to him.

Samm0202

foxy-stoat wrote: »

Fill in the V5 in his name and send it to the DVLA - let him know that his car is at the garage as it broke down....oh and stop paying him the money for the finance.

Done.

Just wanted to make sure that as registered keeper for the past two years, I don't have any financial obligation to make any future payments.
I'll pay for the repairs before returning the car to his address and changing V5.
Thanks for your reply!

poppasmurf_bewdley

Samm0202 wrote: »

ChrisK… You clearly haven't bothered to properly read my post. I am here for helpful advice.

I have indeed done him a favour for the past two years. The car is not mine. The finance is in his name. I could have left the car with him and had him shoulder two car payments every month but I didn't. I chose to do him a favour by taking one of the cars with me when we split and as for him "coming after me for payments that he's made to a car he no longer has" - again, you haven't bothered reading the post properly. I have transferred him the monthly payment every month since I left.

My solution is not simple. Why would I want to get finance in my own name for a car that I don't want?

Basically, it's his finance agreement, so it's his car and his problem.

If he is being difficult, as you said earlier, then why not just return the car to him with the keys, and let the DVLA know that he is the new keeper.

You can walk away from the deal very easily. From what you have told us, you have no responsibility whatsoever.

Samm0202

poppasmurf_bewdley wrote: »

Basically, it's his finance agreement, so it's his car and his problem.

If he is being difficult, as you said earlier, then why not just return the car to him with the keys, and let the DVLA know that he is the new keeper.

You can walk away from the deal very easily. From what you have told us, you have no responsibility whatsoever.

Thank you very much! This is exactly the response I was hoping for.

AnotherJoe

Samm0202 wrote: »

Really, I was just looking for advice on whether or not I could be liable in any way for any future payments if the car was not quite at VT stage (given that I have been registered keeper for 2 years). I have absolutely no knowledge of civil law so was just looking to have that cleared up before I stopped any payments and returned the car to him.

I dont see why you'd be liable given the finance is in his name so in order to get anything he have to go to court and claim a loss, and its clear he can VT and there would be no loss.


p.s. do let him know you've transferred the name on the V5 so that insurance is now his problem. And cancel your insurance.

spadoosh

I think something is amiss here.

I find it strange that someone would get two finance agreements for theirs and their partners car. Surely most people would seperate it, which leads to the question as to why that happened. The most obvious answer to me is that the OP wouldn't expect to get a finance agreement.

I cant see how the OP is helping them out. Theyre not stitching them up but thats not exactly helping them out. I think lumping a car with someone when theres little doubt the intention was for the OP to have, drive and own the car is disingenuous.

Theres clearly a private arrangement at play here and one i think that the OP's ex can easily prove (monthly payments). Id be worried that if they end up out of pocket theyd chase the OP.

The ex is being uncooperative and would prefer them to trade in which makes no sense if it removes any burden on them.

I think youve been given the answer you where hoping for, but i think that answer is based on what youve put, if its not exatly as youve stated OP, the answer will probably be different, bear that in mind.

Samm0202

spadoosh wrote: »

I think something is amiss here.

I find it strange that someone would get two finance agreements for theirs and their partners car. Surely most people would seperate it, which leads to the question as to why that happened. The most obvious answer to me is that the OP wouldn't expect to get a finance agreement.

I cant see how the OP is helping them out. Theyre not stitching them up but thats not exactly helping them out. I think lumping a car with someone when theres little doubt the intention was for the OP to have, drive and own the car is disingenuous.

Theres clearly a private arrangement at play here and one i think that the OP's ex can easily prove (monthly payments). Id be worried that if they end up out of pocket theyd chase the OP.

The ex is being uncooperative and would prefer them to trade in which makes no sense if it removes any burden on them.

I think youve been given the answer you where hoping for, but i think that answer is based on what youve put, if its not exatly as youve stated OP, the answer will probably be different, bear that in mind.

I would expect to have no issues getting a finance agreement in my name. There was no real need for the whole story to get my answer, which is why it was bypassed but I'll explain so as not to be unfairly judged!

My ex partner and I had two cars; a blue Corsa, which I drove, and a blue Clio, which he drove. The blue Corsa was originally his car before we lived together - which is why the finance was in his name. The blue Clio was bought cash. My ex was involved in a pretty serious RTA which resulted in the blue Clio being written off. After his rehabilitation, he required a new car which is when we purchased the white Corsa (the car in question). I was still driving the blue Corsa at this time and we were aware that that only had around a year of repayments left so he decided to take the white Corsa on finance in his name, and I would get a finance agreement and a new car when the blue Corsa was paid off/traded in. After a couple of months, he decided he preferred driving the blue Corsa and given that we lived together - we simply swapped.

"I think lumping a car with someone when theres little doubt the intention was for the OP to have, drive and own the car is disingenuous" - the intention was never for me to have the white Corsa. I was driving the blue Corsa which would have been paid off/traded in a while ago. I simply took the white Corsa with me and took over the payments because I knew I would need a car to drive and figured it may as well be that one if it helped him out.

I have been given the answer I was looking for, and the information I have provided is the exact situation - there is no reason for me to state anything but the truth here, not sure why anyone would think otherwise.

warby68

Samm0202 wrote: »

It was a favour given that it's not the car I would have chosen to drive. It would have been just as easy for me to go and get my own car but saddling him with two car payments didn't sit well with me.

I haven't mentioned it being a favour once to him. He has never mentioned refinancing the car in my name I have already approached him politely and told him that I want the car gone and would like him to VT it now. He stated he would prefer me to trade it in so he didn't have to deal with VT. I am not trading the vehicle in as previously mentioned. In terms of getting rid of the car earlier, I do not believe the car would have ever sold for more than what was leftover on finance so accepted that I would keep and pay for it until the time of VT.

I most definitely am not attempting to avoid paying for repairs - I have had sole use of the car for 2 years and have taken sole responsibility for all repairs that have been required in that time.

Oh, I got the impression he wasn't engaging with you at all sorry and thought with the passage of time he might have turned the favour situation on its head as it can easily look that way. He wants it part-exing not handing back? So the disagreement is how to get rid of it? Can't you sell it instead? That seems less hostile than forcing it back on him.

PS As others have said, you probably could dump it and run. But it does look quite mean after its effectively been 'your' car for 2.5 years.