!!HELP!! any finance or law experts out there? - HotUKDeals
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!!HELP!! any finance or law experts out there?

woddle1000 Avatar
5y, 10m agoPosted 5 years, 10 months ago
My Fiance is in alot of debt with her ex, they owe about 20 grand between them and things have gone sour, he is going IVA I think but being very rude and secretive about what he is doing, My car is in her name, she is the registered keeper, I own it but her name is on the log book, can my car be lifted?
woddle1000 Avatar
5y, 10m agoPosted 5 years, 10 months ago
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#1
How do you own the car if it's in her name, her name is on the log book and she is the registered keeper? Looks like she owns it mate, in which case it can be lifted.

Edited By: thegazman on Feb 04, 2011 19:46
#2
yes--
#3
It could be lifted, yes, but when you proved ownership it would be returned. Save yourself the hassle and get it registered in your name.
#4
thegazman
How do you own the car if it's in her name and she is the registered keeper? Looks like she owns it mate, in which case it can be lifted.


The Registered Keeper is not necessarily the owner of the vehicle, they can be, quite legally, two different people
[mod]#5
Registered keeper is nothing to do with ownership of a car. It's just the person who is responsible for it. As long as you have a receipt/invoice then you are fine.
#6
peodude
thegazman
How do you own the car if it's in her name and she is the registered keeper? Looks like she owns it mate, in which case it can be lifted.


The Registered Keeper is not necessarily the owner of the vehicle, they can be, quite legally, two different people


In her name and her name on the log book also? Defo looks like it's hers.
#7
Have it registered in your name just to be sure.
[mod] 1 Like #8
thegazman
peodude
thegazman
How do you own the car if it's in her name and she is the registered keeper? Looks like she owns it mate, in which case it can be lifted.


The Registered Keeper is not necessarily the owner of the vehicle, they can be, quite legally, two different people


In her name and her name on the log book also? Defo looks like it's hers.


Log book just states who is responsible for the car and has zero to do with ownership.
#9
What proof do you have that you actually own it? Are you paying for the car by direct debit? Did you pay it outright and if so was it on your card or with your cash?
#10
whatsThePoint
thegazman
What proof do you have that you actually own it? Are you paying for the car by direct debit? Did you pay it outright and if so was it on your card or with your cash?


person paying for it proves nothing, they could argue he gifted it to her


I'm trying to understand how he can say it's his car. As Syzable says, the log book,etc don't mean ownership, but how can he prove he actually owns it?
#11
whatsThePoint
thegazman
whatsThePoint
thegazman
What proof do you have that you actually own it? Are you paying for the car by direct debit? Did you pay it outright and if so was it on your card or with your cash?
person paying for it proves nothing, they could argue he gifted it to her
I'm trying to understand how he can say it's his car. As Syzable says, the log book,etc don't mean ownership, but how can he prove he actually owns it?


Now you know why when all these big names go bankrupt everything is in their wifes name, impossible to prove he owns it


Don't think the OP is a "big name" ;) Are you OP? You still haven't told us how you can prove the car is yours?
banned#12
whatsThePoint
thegazman
What proof do you have that you actually own it? Are you paying for the car by direct debit? Did you pay it outright and if so was it on your card or with your cash?


person paying for it proves nothing, they could argue he gifted it to her


Luckily they would have to prove that.
#13
I own the car, I bought it and have a receipt for it, you can ee the cash going out of my account for it, and the registration has my name on it!! Private reg!!
#14
whatsThePoint
so why is it in her name?
Its usually done for some sort of insurance scam or owner is banned


My thoughts exactly.
#15
i put it in her name for cheaper insurance and also lady owners look better on log books!!
#16
woddle1000
i put it in her name for cheaper insurance and also lady owners look better on log books!!


Don't think the IVA or whatever they are called will care about lady owners when they take your car :p
On a more serious note, can you not just transfer the paperwork? Might add a new owner but might help you keep the car if worst comes to worst?
#17
Why do I get feeling OP drives either a Scooby or Evo?
#18
oi i am no chav, lol, its an A4 cabriolet, it is purely for financial reasons, and if I change ownership now it may look like I am trying to disperse assets on her behalf!
#19
insurance cant give out my details to other people, it is my car, if she drive it more than me because i work from home then it makes sense to have her as the main driver, its still my car and I own it!!
#20
woddle1000
insurance cant give out my details to other people, it is my car, if she drive it more than me because i work from home then it makes sense to have her as the main driver, its still my car and I own it!!


Pretty sure if the Police phoned the insurance company they would give out the details no problem.
#21
police are entitled to any info, debt companies aren't, and it is still my car, i just registered it in her name!
#22
woddle1000
police are entitled to any info, debt companies aren't, and it is still my car, i just registered it in her name!


Why post on here if you don't like the answers?
banned#23
woddle1000
insurance cant give out my details to other people, it is my car, if she drive it more than me because i work from home then it makes sense to have her as the main driver, its still my car and I own it!!


shame the insurance isn't in your name then, they will give her details out to the people you are trying to stop seeing it.
#24
colinsunderland
woddle1000
insurance cant give out my details to other people, it is my car, if she drive it more than me because i work from home then it makes sense to have her as the main driver, its still my car and I own it!!


shame the insurance isn't in your name then, they will give her details out to the people you are trying to stop seeing it.


Don't upset him any more :)
#25
As said, the logbook name and the actual owner can be different. For example, I lease a vehicle from Motability with adaptions especially for me, the logbook is in my name. If I were to run into financial difficulties and the people I owed money tried to take the car away, they wouldn't be able to as Motability own the vehicle.

I have various companies phone me for someone else's debts, she had my home number before me and Virgin just recycled the number, some companies don't believe when I say they have made a mistake but most do. One company last week sent baliffs round to this address (which Virgin Media gave them as being with my phone number) and of course I explained the mistake they had made but they were adamant that my name is Louise and not Richard. They have told me that they will be coming back with a court warrant which, yes, they will be able to enter my home, but they will not be taking anything as that would be theft.

Ownership of anything can be a tricky thing for anyone to prove though, so I'd advise keeping the receipt handy along with any servicing receipts you have in your name etc.
#26
whatsThePoint
moose109
As said, the logbook name and the actual owner can be different. For example, I lease a vehicle from Motability with adaptions especially for me, the logbook is in my name. If I were to run into financial difficulties and the people I owed money tried to take the car away, they wouldn't be able to as Motability own the vehicle.I have various companies phone me for someone else's debts, she had my home number before me and Virgin just recycled the number, some companies don't believe when I say they have made a mistake but most do. One company last week sent baliffs round to this address (which Virgin Media gave them as being with my phone number) and of course I explained the mistake they had made but they were adamant that my name is Louise and not Richard. They have told me that they will be coming back with a court warrant which, yes, they will be able to enter my home, but they will not be taking anything as that would be theft.Ownership of anything can be a tricky thing for anyone to prove though, so I'd advise keeping the receipt handy along with any servicing receipts you have in your name etc.


I expect you also have paperwork showing its leased and aren't presenting false ownership in order to commit fraud


Indeed I do, however I could not physically stop them coming around one night or one day when I'm not at home and lifting it as any checks with DVLA would show my name as the registered keeper, it would then be upto both me and Motability to prove to the baliffs that the car does not actually belong to me.

When I served as a police officer (a few years ago now), it was sometimes hard to be sure of who property actually belonged to when presented with a theft, in other words, who actually owns something?
#27
If she is the main driver of the car then there is no fraud being committed, however if the insurance company can prove that he is the main driver then that is fraud. I wouldnt worry OP the payments for it are made by you, so you own it, and its just registered and insured in her name because she is the main driver. Cant see the problem myself

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