V5 wrong address for years without me knowing

insomniacowl

I am spiralling and hope someone can give some advice. 

Got a new PCP car with Trust Ford 7 years ago. I was returning customer and on my invoice they had my old address. It was changed before I collected the car, finance company had correct address, I have taxed the car with the slip, V5 arrived with the current address on and all was well.

Until I tried to sell the car. V5 number not recognised. Tried to order replacement online- can’t do. After further digging I found out that latest v5 was issued two weeks after the one I have received at my correct address. Entered old postcode just to check and et voila- it worked, I can order a duplicate with that information. Called DVLA and they confirmed that my car is indeed registered at the old address.

Now, the problem is, I haven’t lived in that address for 9 years. I have no connection to it. I have no idea how this blunder happened, but I could have been receiving fines and debt collection letters to that address for the past 7 years and I wouldn’t know! My mind is spiralling out of control. 

Apart from obvious pay £25, send v62 and get new v5 issued, what should I do? Do I try to go after Trust Ford? How on earth could I receive v5 to correct address and new one got issued two weeks later to the old one? Also, how could I receive a fine from Hackney council couple of weeks ago if DVLA had my old address? 

sevenhills

insomniacowl said:

Apart from obvious pay £25, send v62 and get new v5 issued, what should I do? Do I try to go after Trust Ford? How on earth could I receive v5 to correct address and new one got issued two weeks later to the old one? Also, how could I receive a fine from Hackney council couple of weeks ago if DVLA had my old address?

Sounds more like a DVLA mistake, what makes you think Ford are at fault?

born_again

insomniacowl said:

Apart from obvious pay £25, send v62 and get new v5 issued, what should I do? Do I try to go after Trust Ford? How on earth could I receive v5 to correct address and new one got issued two weeks later to the old one? Also, how could I receive a fine from Hackney council couple of weeks ago if DVLA had my old address? 

https://www.gov.uk/change-address-v5c

Car_54

insomniacowl said:

Apart from obvious pay £25, send v62 and get new v5 issued, what should I do? Do I try to go after Trust Ford? How on earth could I receive v5 to correct address and new one got issued two weeks later to the old one? Also, how could I receive a fine from Hackney council couple of weeks ago if DVLA had my old address? 

What do you mean by "go after"?

What quantifiable loss have you suffered?

Anyway, even if it cost you millions, AFAIK you're too late after seven years.

insomniacowl

sevenhills said:

Sounds more like a DVLA mistake, what makes you think Ford are at fault?

Because I received logbook at current and most recent address first. 

Then newer version was issued and sent to my previous address just two weeks later. 

At that point I haven’t lived in that address for 2.5 years, always notified dvla and the car I part exchanged for the one in question now was also registered at my latest address. 

The only lead I have to old address is Trust Ford invoice with old address crossed out and the new one hand written on the side. 

insomniacowl

born_again I cannot do that without most current v5 number, which was sent to my old address two weeks after I have received the one I have.
 As mentioned, I had no reason whatsoever to check if the v5 was the latest because:

I haven’t moved or applied for new one. 
Paid road tax all these years. 

Insured and MOT’d the vehicle.
Had no accident. 

insomniacowl

@Car_54 : 
“Go after” might have not been the most appropriate expression, but why such a negative response?

Quantifiable loss of £30 to send postal order and v62 form. 

Loss of sale because I could not provide latest v5.
Possible parking tickets, fines, anything, sent to registered address and me being blissfully unaware.


Do you regularly check if your V5 is the latest if you haven’t made any changes?

Nasqueron

insomniacowl said:

@Car_54 : 
“Go after” might have not been the most appropriate expression, but why such a negative response?

Quantifiable loss of £30 to send postal order and v62 form. 

Loss of sale because I could not provide latest v5.
Possible parking tickets, fines, anything, sent to registered address and me being blissfully unaware.


Do you regularly check if your V5 is the latest if you haven’t made any changes?

You have generally 6 years (5 Scotland) from point of sale to raise an issue with finance else it's time barred

You will not get back money for loss of sale or the form being wrong as you will have signed the paperwork with the wrong details on it

Any parking tickets, you can check your credit record with the likes of Experian online and see if you have a CCJ for parking ticket or fines. 

insomniacowl

@Nasqueron I did not sign paperwork with wrong details. Sales invoice had wrong address crossed out, any and every communication received from the finance company had my correct address. Always. V5 received at my correct address. Hence not even slightest suspicion something could be incorrect. 

jimjames

insomniacowl said:

Do you regularly check if your V5 is the latest if you haven’t made any changes?

No, but surely you would have not received any DVLA comms re tax etc?

insomniacowl

@jimjames I have received road tax notification via email every year. It had name, registration, DVLA identifier and payment details. No address.