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

Samm0202

warby68 wrote: »

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.

If I were to sell the car I highly doubt it would be enough to cover the outstanding finance. Unfortunately, I do not know the settlement figure as my ex will not contact the finance company to ascertain this.

It would certainly appear that I could dump it and run and I doubt anyone (that knows the whole situation) would take any issue with that being mean. But I do not feel good about that because, regardless of what has happened in the past, I do not like to be a bad person for the sake of it. I would like the car to be VT'd by him so as not to cause any hardship. As I said before, I simply wanted to make sure that I could not be held liable for any future payments should he fail to VT.

spadoosh

Samm0202 wrote: »

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.

Im always going to judge its a natural part of human behaviour, my judgements are usually kept to myself as i tend to find my judgement has little effect on others.

Your situation looked unusual, i said that, it appears it is a bit unusual. I highlighted being unable to get finance to show that theyre is more than the arrangement between your ex and the finance company at play. Whilst i stand by that being the most likely reason why someone would take a finance agreement on behalf of someone else its really immaterial. It does seem like you have a contract with your ex surrounding this car. That makes me reluctant to agree that its just a case of giving him the car back and your obligations are terminated. They might be, but as mentioned there is clearly some kind of private agreement between the two of you which we are not privvy to all the information. As such the advice you receive is based on the limited information that is provided. Thats all. Im not questioning you or your motives, i dont care if you lie or tell the truth.



Youve said the intention was never for you to have the white Corsa but you need to bear in mind you have had the white corsa for at least the lsat two years. That intent is absolutely clear, youve paid for it and transfered the registered keeper to you. For all intents and purposes it looks like you agreed to paying for the car. So surely you can see why i might suggest reneging on such an arrangement might garner a negative response.

Its not just me thats thought this, leaving the car on his doorstep has every chance of leading to a reaction. I suspect given the history youve alluded to, it would be preferable to avoid this. Which brings me to the point that you might want to consider pandering to the diplomacy side of things and beating him down with reason.

foxy-stoat

jeepjunkie wrote: »

It's not you car to sell!


Give it back to him and move on...............

Exactly, the OP doesnt have "good title" to sell the car. They have to hand it back to the ex for him to deal with. End of.

Samm0202

spadoosh wrote: »

Im always going to judge its a natural part of human behaviour, my judgements are usually kept to myself as i tend to find my judgement has little effect on others.

Your situation looked unusual, i said that, it appears it is a bit unusual. I highlighted being unable to get finance to show that theyre is more than the arrangement between your ex and the finance company at play. Whilst i stand by that being the most likely reason why someone would take a finance agreement on behalf of someone else its really immaterial. It does seem like you have a contract with your ex surrounding this car. That makes me reluctant to agree that its just a case of giving him the car back and your obligations are terminated. They might be, but as mentioned there is clearly some kind of private agreement between the two of you which we are not privvy to all the information. As such the advice you receive is based on the limited information that is provided. Thats all. Im not questioning you or your motives, i dont care if you lie or tell the truth.



Youve said the intention was never for you to have the white Corsa but you need to bear in mind you have had the white corsa for at least the lsat two years. That intent is absolutely clear, youve paid for it and transfered the registered keeper to you. For all intents and purposes it looks like you agreed to paying for the car. So surely you can see why i might suggest reneging on such an arrangement might garner a negative response.

Its not just me thats thought this, leaving the car on his doorstep has every chance of leading to a reaction. I suspect given the history youve alluded to, it would be preferable to avoid this. Which brings me to the point that you might want to consider pandering to the diplomacy side of things and beating him down with reason.

It is human nature to judge - I simply said I would give background so as not to be unfairly judged.

I don't understand why you think you are not privy to all the information. We split; somewhat suddenly, I choose to leave the shared home on that day in the white Corsa that I regularly drove. After tensions died down he suggested that I remain driving the white Corsa and I suggested that I transfer him the monthly payments. He agreed.

I am not "reneging" on any agreement. We have, at some point over the past year, touched on handing the car back by VT and he confirmed he assumed this would be acceptable around the end of Summer. Now that it has come time to VT (or close to time) and I have approached him regarding VT, he has stated that he will not contact the finance company for a settlement figure and would like me to trade it in. Trading it in is not an option for me, therefore I require to hand him the car back for him to VT.

Samm0202

jeepjunkie wrote: »

It's not you car to sell!


Give it back to him and move on...............

I don't want to sell the car!!!! I WANT to hand it back to him and have him VT it!! I simply came here to find out if I was liable for any future payments given that 1. I have been the registered keeper for two years and 2. I have been transferring him the payments every month for two years. My problem is him accepting the car back and VT'ing it.. Hence why I wanted to clear up my financial responsibility.

DrEskimo

Samm0202 wrote: »

If I were to sell the car I highly doubt it would be enough to cover the outstanding finance. Unfortunately, I do not know the settlement figure as my ex will not contact the finance company to ascertain this.

It would certainly appear that I could dump it and run and I doubt anyone (that knows the whole situation) would take any issue with that being mean. But I do not feel good about that because, regardless of what has happened in the past, I do not like to be a bad person for the sake of it. I would like the car to be VT'd by him so as not to cause any hardship. As I said before, I simply wanted to make sure that I could not be held liable for any future payments should he fail to VT.

Your settlement would be around the £3k mark given the details you gave on the finance agreement.

Stick the reg and mileage into WeBuyAnyCar and see what their offer is. Then you can decide with your ex what the best way to settle the finance will be. Whether you VT it, or take it to WBAC or similar, the ex will need to handle it....

Samm0202

jeepjunkie wrote: »

Think he needs some tough love to pull up his big boy pants...

Haha! He most certainly does but, thankfully, that is not my problem anymore :rotfl:

foxy-stoat

Samm0202 wrote: »

I don't want to sell the car!!!! I WANT to hand it back to him and have him VT it!! I simply came here to find out if I was liable for any future payments given that 1. I have been the registered keeper for two years and 2. I have been transferring him the payments every month for two years. My problem is him accepting the car back and VT'ing it.. Hence why I wanted to clear up my financial responsibility.

You do not have a financial responsibility for just being the register keeper.

He MAY be able to convince a judge, if he decided to, that he took out finance for you in his name for a car for you and you agreed to pay the finance for it until settled. He would have proof by the regular bank payments for the loan amount for the last 2+ years. So balance of probabilities if it ever got to that point would be that the Judge would agree and you could be chased by the Ex for all future payments but not the finance company though.

I am not sure why he wouldn't VT the car though unless he stopped paying the finance and taking your money, or he has already cleared it.

spadoosh

Samm0202 wrote: »

It is human nature to judge - I simply said I would give background so as not to be unfairly judged.

I don't understand why you think you are not privy to all the information. We split; somewhat suddenly, I choose to leave the shared home on that day in the white Corsa that I regularly drove. After tensions died down he suggested that I remain driving the white Corsa and I suggested that I transfer him the monthly payments. He agreed.

I am not "reneging" on any agreement. We have, at some point over the past year, touched on handing the car back by VT and he confirmed he assumed this would be acceptable around the end of Summer. Now that it has come time to VT (or close to time) and I have approached him regarding VT, he has stated that he will not contact the finance company for a settlement figure and would like me to trade it in. Trading it in is not an option for me, therefore I require to hand him the car back for him to VT.

Because were not, you cant possibly expect us to be privvy to all the information from a few posts you provide on the internet. Its just not possible. Imnot saying youre deliberately hiding something.

If this is literally correct...

After tensions died down he suggested that I remain driving the white Corsa and I suggested that I transfer him the monthly payments. He agreed.

Then you are reneging on the private agreement you made if you leave the car on his drive and stop paying the monthly payments. And further, depending on the nature and intention of that agreement he could be well within his rights to sue you for losses incurred as a result. And this is exactly what im warning you about.


So i honestly dont think your liability ends with you parking the car at his and changing the registered keeper. And depending on the nature of said ex you could be opening yourself up a can of worms due to rushing to reduce to one car.

I appreciate he might not be playing ball, but you really need to be doing everything you can to show that you are fulfilling what was agreed between you. Dumping the car back on him at first opportunity or without you taking reasonable approach could lead to problems. So be careful.

AnotherJoe

warby68 wrote: »

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.

.

She cant sell it, its got finance against it in ex's name, and hes not interested in getting rid or VTing, thats the issue !

Talk about making a simple thing complicated, OPs already got the solution and will implement it, no need to make up conspiracy theories about why the finance was bought (or state the OP would be worse off when can VT it he just cant be arsed to). All this is in the OPs earlier posts.