Volontare termination

Agnes1103

Hi. I need some advice... Im totally lost. 
I took Hire Purchas loan to get a van for my husband. He is register keeper. Now I want to divorce him, but he refused give the van back. He doesnt pay, I do.... I am able to go for volontare termination, but Will bank accept if dvla is with his name? I cant take This to court, Just can not afford.....
Any ideas please

ryan92

Voluntary Termination would require the van to be sent back to the finance company for the agreement to be terminated.

Agnes1103

Thank you Ryan. Do you have any other ideas? I want to awoid Just to stop paying... 

The_Fat_Controller

Tell him if he wants to keep the van, he will have to give you money towards the payments.
There is not much else you can without defaulting on the HP agreement.

Agnes1103

Thanks. Heve been told. He doesnt care since he knows I dont really have many options.... If I take it to court, what might happen? Do you have any idea about cost and proces? 

[Deleted User]

On what basis would you take him to court though? Are you still the legal owner - and can hopefully evidence that? Or was it given as a gift?

Regardless of that, you said you just cannot afford to go to court.

sourcrates

Agnes1103 said:

Hi. I need some advice... Im totally lost. 
I took Hire Purchas loan to get a van for my husband. He is register keeper. Now I want to divorce him, but he refused give the van back. He doesnt pay, I do.... I am able to go for volontare termination, but Will bank accept if dvla is with his name? I cant take This to court, Just can not afford.....
Any ideas please

Just stop making the payments, the van will be repossessed by the finance company.
Only problem is this action will affect your credit file.
You have no case through the courts, its a civil dispute.

Agnes1103

Zx81. Bank is a legal owner. Its HP loan. My ex is a register keeper. I took a loan and I pay that off. 

Shakin_Steve

Deleted_User said:

On what basis would you take him to court though? Are you still the legal owner - and can hopefully evidence that? Or was it given as a gift?

Regardless of that, you said you just cannot afford to go to court.

Can you gift something that you, legally, do not own?
i would ring the finance company and explain that you want to voluntarily terminate, but you husband has their asset and refuses to give it back. They may say that they can't help, but they may be able to at least give you some ideas.

Shakin_Steve

Or, if you really want to test his resolve, tell him that you are paying for the van, the V5C (log book) is not proof of his ownership and, if he doesn't return it, you will report it stolen.

molerat

Or you hire a man to recover it in the middle of the night, you should have enough paperwork I hope to prove you are the one legally responsible for the vehicle.