Car Finance in Ex-Partners Name

Sam16203

Hi, I'm hoping someone can help me. Before me and my ex-boyfriend separated, he took finance out for a used car for me. When we separated, I tried to have agreement put in my name, but couldn't, however I made all payments, the Logbook is in my name, it's parked on my drive and I see to the upkeep of it. I went to make my final payment on it this morning and was told, my ex had paid it. I cannot understand why he has done this as our separation was very nasty and we have had no contact for the last 3 years. He did try to get the car off me before, but my name was as the registered keeper. I want the finance company to return the money because I am frightened he is going to come for the car. Has he any right over the vehicle? His name is on the agreement only. I am so upset over this, can anyone help please? I cannot understand why he has made this payment all of a sudden! 

AdrianC

What sort of finance?

I presume some kind of HP, so the car is now owned by you, and he's simply paid the final monthly payment?
Or do you mean a PCP, and he's paid the balloon?

Have the financier been sending account information to him, or to you?

unforeseen

Owner is not the same as keeper. If all the paperwork (apart from the V5) is in his name then he is the owner. 

EmmyLou30

If the finance is in his name then he's the owner/purchaser of the car - even if the money came from you. Sorry, but I wouldn't be surprised if he was playing this game all along and will come for his car very shortly. If you look at the V5 it clearly states this does not prove the ownership of the vehicle (it just proves who's liable if they want to send out a speeding fine and who should be taxing/MOTing it).

Sam16203

The only paperwork that is in his name is the agreement, nothing else at all. The Finance Agreement was set up to be paid monthly. He made about 2 payments in the beginning, then nothing and the debt built up. When we separated, it was agreed I would take the car and pay the monthly installments. I am the registered keeper. I requested his name be removed from the agreement but the company couldn't do it. The Finance Company haven't heard anything from him for over 3 years until the 16/6/2020 when he paid about £80. I have no idea why he has done this out of the blue. I paid the remaining balance today which was more. The Finance has all been paid up now, and letters will be sent out to both of us concerning that. I have literally made all monthly payments and paid extra because he had gotten into debt. That is my car, I pay for everything. My ex was abusive to me, there is no way I can contact him to discuss this. I just need some advice, I am really really worried. 

k3lvc

As @EmmyLou30 says if it is a genuine payment from him then he's playing a clever game - he's likely to have receipts/paperwork in his name irrespective of where the payments came from. The finance is now settled and the car legally is his to the outside world. It looks like you've done all you could have done to protect against it but I'd be getting some legal advice and be prepared for a battle

motorguy

Sam16203 said:

The only paperwork that is in his name is the agreement, nothing else at all. The Finance Agreement was set up to be paid monthly. He made about 2 payments in the beginning, then nothing and the debt built up. When we separated, it was agreed I would take the car and pay the monthly installments. I am the registered keeper. I requested his name be removed from the agreement but the company couldn't do it. The Finance Company haven't heard anything from him for over 3 years until the 16/6/2020 when he paid about £80. I have no idea why he has done this out of the blue. I paid the remaining balance today which was more. The Finance has all been paid up now, and letters will be sent out to both of us concerning that. I have literally made all monthly payments and paid extra because he had gotten into debt. That is my car, I pay for everything. My ex was abusive to me, there is no way I can contact him to discuss this. I just need some advice, I am really really worried. 

It was never your car.  It was owned by the finance company.  You dont own it until the last payment is made - in this case, a balloon payment.

I dont think theres much you can do until you see what he does next.  If hes went to the trouble of paying the balloon i'd say he'll be in touch.

facade

Move the car to a secure location that he doesn't know about, and take some legal advice.

Chances are he intends to come for "his" car, or send someone to collect it one night.  The Police won't be any help as it will be a "domestic" and he has the proof of ownership.

The fact that you have made the payments for him is one for Judge Rinder I'm afraid.

Sam16203

Thanks to everyone for your advice. Think I'd better be prepared for a fight! I'll move my car and get some legal advice, 

ratrace

motorguy said:

Sam16203 said:

The only paperwork that is in his name is the agreement, nothing else at all. The Finance Agreement was set up to be paid monthly. He made about 2 payments in the beginning, then nothing and the debt built up. When we separated, it was agreed I would take the car and pay the monthly installments. I am the registered keeper. I requested his name be removed from the agreement but the company couldn't do it. The Finance Company haven't heard anything from him for over 3 years until the 16/6/2020 when he paid about £80. I have no idea why he has done this out of the blue. I paid the remaining balance today which was more. The Finance has all been paid up now, and letters will be sent out to both of us concerning that. I have literally made all monthly payments and paid extra because he had gotten into debt. That is my car, I pay for everything. My ex was abusive to me, there is no way I can contact him to discuss this. I just need some advice, I am really really worried. 

It was never your car.  It was owned by the finance company.  You dont own it until the last payment is made - in this case, a balloon payment.

I dont think theres much you can do until you see what he does next.  If hes went to the trouble of paying the balloon i'd say he'll be in touch.

Sounds more like a used hp than a pcp as the final payment has been made maybe the op can confirm but i think there is no baloon to pay could be wrong 

DUTR

Sam16203 said:

Hi, I'm hoping someone can help me. Before me and my ex-boyfriend separated, he took finance out for a used car for me. When we separated, I tried to have agreement put in my name, but couldn't, however I made all payments, the Logbook is in my name, it's parked on my drive and I see to the upkeep of it. I went to make my final payment on it this morning and was told, my ex had paid it. I cannot understand why he has done this as our separation was very nasty and we have had no contact for the last 3 years. He did try to get the car off me before, but my name was as the registered keeper. I want the finance company to return the money because I am frightened he is going to come for the car. Has he any right over the vehicle? His name is on the agreement only. I am so upset over this, can anyone help please? I cannot understand why he has made this payment all of a sudden! 

You cannot make demands on another persons agreement.
You may be frightened, however he hasn't come back for the car so may not do so.
His name is on the agreement and perhaps he wants to ensure that the loose ends are tidy so that he can perhaps move on/in with somebody new.