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Car Insurance - Hastings Direct - Proof of purchase mistake?
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AuditSund said:user1977 said:AuditSund said:chrisw said:No but that's what's complicated matters. Presumably they don't like the car being owned jointly. But if you have proof of purchase from 2014 I can't see why they won't accept that, in reality most vehicles are owned jointly by spouses regardless of who actually laid out the money.1
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user1977 said:AuditSund said:user1977 said:AuditSund said:chrisw said:No but that's what's complicated matters. Presumably they don't like the car being owned jointly. But if you have proof of purchase from 2014 I can't see why they won't accept that, in reality most vehicles are owned jointly by spouses regardless of who actually laid out the money.0
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DullGreyGuy said:Do you have the original purchase paperwork and does that show joint names?0
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DullGreyGuy said:Do you have the original purchase paperwork and does that show joint names?0
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AuditSund said:user1977 said:AuditSund said:user1977 said:AuditSund said:chrisw said:No but that's what's complicated matters. Presumably they don't like the car being owned jointly. But if you have proof of purchase from 2014 I can't see why they won't accept that, in reality most vehicles are owned jointly by spouses regardless of who actually laid out the money.1
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AuditSund said:DullGreyGuy said:Do you have the original purchase paperwork and does that show joint names?1
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DullGreyGuy said:AuditSund said:DullGreyGuy said:Do you have the original purchase paperwork and does that show joint names?0
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AuditSund said:DullGreyGuy said:AuditSund said:DullGreyGuy said:Do you have the original purchase paperwork and does that show joint names?
I've not seen a law that states that all items bought by a married couple are automatically joint ownership and you would expect it to pop fairly often with the Ombudsman and S75 claims where the secondary cardholder bought something. I think some are extrapolating from what happens at divorce.1 -
DullGreyGuy said:AuditSund said:DullGreyGuy said:AuditSund said:DullGreyGuy said:Do you have the original purchase paperwork and does that show joint names?
I've not seen a law that states that all items bought by a married couple are automatically joint ownership and you would expect it to pop fairly often with the Ombudsman and S75 claims where the secondary cardholder bought something. I think some are extrapolating from what happens at divorce.
I have also been looking for Google searches on:" law married joint purchase asset joint purchase"
I can't find anything specific about it being married and a joint purchase. Its all house and cars at divorce and joint assets of cars and when you bought it. Before or after marriage.
I think I'll still get the Ombudsman in to sort it as we did purchase the car in March 2014. What else could we have put for the wife's purchase date?
The registered keeper date the insurance company has put for the purchase date is false and you can't base it off when you have insured the car. It seems to be a grey area.
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We have had an official complaint response from hastings so I can go to the ombudsman.
In a nutshell they are saying that the V5 shows my wife became the registered keeper in 2017 so that is what they are using as proof of purchase.
We made the formal complaint on the 11/01/2024 got the response on the 30/01/2024 and they are stating it has been 12 days since we made the complaint (it's a bit longer isn't it).
They told us they would get back to us in 4 days when we made the complaint and then by the 2nd of Feb. They said they could of taken 8 weeks to resolve the complaint?
I'll let you know what happens and what the ombudsman accepts as proof of purchase when you are married.0
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