Volontare termination

PaulW922

If the van is on HP in your name then the debt is your responsibility I am afraid. If you just stop paying the finance company will seek to enforce the loan against you. They may repossess the vehicle too but that will probably still leave you with a debt as in such cases the whole amount due becomes payable.

What is important to know is that just because your husband is the registered keeper that does not make him the legal owner. As the borrower you are the one who can make an early termination - you need to pay half of the amount due under the agreement (any deposit payment counts towards that) and return the vehicle. How you do that is obviously tricky if you do not have the van, however I would advise against just 'not paying'. 

lopsyfa

Agnes1103 said:

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

Can you clarify this. Do you mean you took a personal loan to pay the car finance off or the car was bought with a personal loan? If either of this, you are now the legal owner and the loan and car are now two separate things. You cant ask the finance company to repossess it for you. You need to do it yourself somehow.

macman

As above, the registered keeper is not the legal owner, so I'd arrange your own repossession. If you stop paying, you will just trash your credit history.

db2016

Shakin_Steve said:

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.

then the OP husband could easily just trash the van, and then she'd be on the hook for more as the van's damaged.
i'd maybe do that but not tell him in advance! report it stolen, say she knows where it may be. . . or parked up at a known place during a time.

bris

There is a good and very clear case for this van to be a gift, putting it in his name helps that case a lot and if the ex claims this it would be hard to prove otherwise.