Car Ownership

[zackajacka]

I bought a car in November as I am learning to drive. The car is in my name, so too is the log book and the monthly payments are coming from my bank account. The car weas jointly insured but is now only insured in my ex-girlfriends name. My ex-girlfriend has the keys to the car. What can I do to get the car back?

[TWR]

Talk to her & ask for the return of the keys, advise her if she still will not hand them over you will be contacting the police. ( Does she have any money involved in this car?) If so, different situation.

[zackajacka]

All payments come from my account as she cannot get credit. She does pay me £50 per month towards the car. What are my options?

[ubasses]

Come to some agreement with her, she may just agree to you meeting all future repayments if she has had use of the car. If you have been the only one using it she may want a contribution towards the payments already made. You are going to have to talk and negotiate.

[zackajacka]

My concern is that everything is in my name and if she does not meet the payments then I will have to continue to make them and with no car. The remaining term of the car loan is 52 months

[TWR]

Does that tell me you have joint in the car? did she help with the dep?

[ubasses]

where is the actual car then, I thought she only had the keys?

[zackajacka]

She has the car. The deposit was paid by be as to all the payments due to her bad credit rating

[TWR]

If your name is on the V5 then the car is your property unless 1/2 owned by her or a Finance company, if no HP If your G/F has any money that she paid WITH YOU as a dep then she has right of part ownership, when the car was bought what is stated on the purchase details? your name? her name? Joint? I would try to sort this out amicably, If that does not work explain that you intend to see a solicitor.

[zackajacka]

Everything is my name, deposit, car finance. Insurance is in her name as she has driving licence and I have yet to pass my test. Will try to sort it amicably but want to know where I stand as after I pass my test I will need a car for employment and dont want to take out more car finance. I am also concerned she will not pay the remaining 52 months of this HP for the car

[TWR]

Why is it you expect her to pay for your car? she may have the licence/Insurance to drive but the car is (I believe, yours) You still have not answered the Qs, did she put ANY MONEY TOWARDS THE CAR? never mind if she has bad credit, is she has put money into the car then she owns 1/2 if she has not put any money what so ever into the car Only the Insurance, then the car is legally yours unless its on HP.

[zackajacka]

The car is on HP. The payments for which come from my bank account. She sends a STO of £50 to me on a monthly basis towards the car

[TWR]

Ask your G/F for the equal 1/2 value of the car, or the car will have to be returned, but if you signed up for the car then you are obliged to sort out the HP as its in your name, contact your EX & tell her that you are stopping payment for the Insurance but LET HER KNOW, regards the finace, either let her pay you up or send the car back, but let me warn you, depending what you have paid on the car & how long you have had it the HP can ask you to pay.

[boxtops]

Nobody's mentioned that if the car was bought on HP, then the car actually belongs to the finance company until it's paid up. If payments stop, they will reclaim it, then nobody will have a car at all. Go see a solicitor, IMO, as soon as you can.

[zackajacka]

So do I have legal ownership of the car if I continue to pay HP? Or because she has the car it is hers? If she will not give me the car what are my options? How would the police view this?

[TWR]

The HP has legal Ownership until its paid for. It will be for the HP comp to retrieve the car not the police.

[bednobs]

how much are the payments? If she sends you £50 and the payments are £50 it might be different to if the payments are £500 and she paid £50

[zackajacka]

Payments are £108 per month

[TWR]

My advise to you Zack, contact your ex & explain to her that you are going to contact the H.P. Comp that you cannot afford the payments & count your losses, I would also tell your EX the you will be TERMINATING your insurance but make sure you TELL HER, if she decides to carry on with the car that is going to be up to her, I will leave you with this & hope you do the right thing, but whatever you do, do not drop your ex in the SHT by stopping the insurance without telling her. Good Luck.

[lcg]

...if you have the log book,are the registered owner with the finance company, it is yours. quite simple, really. if she does not return it, it is theft. how is this difficult to work out?

[boxtops]

OP says the insurance is hers anyway, TWR, so he can't do that....