Yes it's a bill of sale I presume as they took the v5 on completion of paperwork

How would she go through the IRL claim would it be to speak to them directly or go to financial ombudsman? If successful in the claim does it void the loan altogether or just rectifies the issue with a look at it and repayments affordable? The other thing is they didn't even want me to sign anything to agree to paying it, I know that the loan was taken out in her name but in my eyes if it was a joint claim (which they said they couldn't do) or I was used as a sort of guarantor (going by a verbal agreement that it was me that was paying the loan) surely I would, have had to prove something and sign something myself. Although we aren't together anymore she needs the car for getting the children to school etc... I don't want to see her lose her car but since moving out my financial situation has changed drastically

Hi apologies if this is in the wrong section. My ex partner took out a logbook loan on her car with logbook money, at the time she was only receiving child benefit & child tax credit, we explained that we would pay the loan with my wages (I work full time) they told us they couldn't do a joint claim as the car was in her name but they could take my wages into account, when the gentleman came to copy bank statements and proof of address from her I asked if they wanted wageslips/bank statements from myself and was told it was needed as I wasn't taking the loan out in my name they then loaned her the money. Fast forward a couple of months and we are not together, she is now on universal credit and said she would pay £100 per month which she couldn't really afford but they wouldn't accept anything less, she has now not been able to keep up with payments for this They are now saying they will take the car (everyday goes by they are adding interest) unfortunately I am not in a position to help her due to financial difficulties myself. Because they only have proof of her income at the time (which = £400pm) the repayments were £220pm, as I have said they never asked for proof of my income apart from me telling them a figure on the phone, is there anyway around either voiding the loan or at least reducing the money and a better repayment instead of something which is out of her budget, to me this loan would be classed as irresponsible lending because they didn't do any checks on me but wanted to see what others say in the way of if she will be wasting her time trying to keep it on this premise or if she has a case to fight