Who has the legal right to sell a car that I have bought?

[PeterU]

Hi everyone. First time poster so please bare with me.

 

I took out a personal loan from a Bank to purchase a car 2 years ago because my GF at the time did not have the credit rating in order to do so.

 

Each month she would send me the money via bank transfer to cover the repayments going out of my account via Direct Debit as agreed from the beginning.

 

We have since split up and she's decided to sell the car and stop giving me the money for the Bank Loan repayments.

 

Her name was on the V5 document as the registered keeper, however as I bought the car outright myself and have proof of doing so in the form of a Vehicle Order form and Loan Agreement from the Bank

 

my question is is it illegal for her to have sold the car without my permission?

 

I also have recent text messages stating that she will always pay for the car but has not done so in some months.

 

Where do I stand?

[silverfox1961]

Hi and welcome to CAG

 

As I see it, the registered keeper is not always the owner of the vehicle. All the other documents are in your name and I would assume the loan would state that the loan was for a car purchase.

 

When you bought the car, Who's name was on the receipt?

[PeterU]

Hi Silver Fox, thanks for your reply.

 

You're right in both circumstances, the Loan Agreement states that the loan was taken to pay for a car and what company the car was bought through. Also when I bought the car, the receipt/order form is I'm my name and signed soley by me.

[silverfox1961]

While I profess to not being that clever with legalese, it would suggest to me that you are the owner. Everything is in your name (except the V5)

 

Just for info

 

https://www.askthe.police.uk/content/Q743.htm

 

Also, she has texted you to state that she will carry on payments for the car so I don't feel she can claim it as a gift.

 

I feel she shouldn't have sold the car without your express permission so you could sue her for the money owed.

 

Isn't hindsight a wonderful thing

[dx100uk]

HP or person loan?

[PeterU]

Thanks Silver Fox. That's what I'm attempting, because of the promise of Payment etc... And yeah, hindsight is a bitch

 

 

DX. It was a Personal Loan. Not HP.

[dx100uk]

Then unless you gifted the vehicle its yours

 

Which could be hard to prove you didn't

As you split up when?

 

IMHO its a gift

So she has right of ownership

Even if you have receipts etc

 

Yep hind sight is a bitch..was that her name....

 

DX

[PeterU]

Then unless you gifted the vehicle its yours

 

Which could be hard to prove you didn't

As you split up when?

 

IMHO its a gift

So she has right of ownership

Even if you have receipts etc

 

Yep hind sight is a bitch..was that her name....

 

DX

 

 

During the split we divvied up all of our debts and assets

The car being one of them

 

. As it was in my name i told her to promise that she would continue to pay.

 

I have texts stating she would.

Plus when she sold the car I was given a small sum from the proceeds.

 

If it was a gift would she pay me each month?

And would she given me part of the proceeds?

[dx100uk]

You gifted her the car

She gifted you payments

And a cut of the sale proceeds

 

Imho if there is nothing in writing agreeb by

Her that you owned the car

Then its a gift in kind too

 

Very dodgy you can go anywhere with this?

 

Glad to be proved wrong mind

[liverpoolluke]

sadly at first i thought you may have a case in small claims court,

but as when she sold the car she gave you a lump sum payment

that would write anything off,

 

 

you would have needed to get a document between yourself stating lump sum

had been paid and X amount still owing at Y amount in payment's per week,

 

 

she would argue the lump sum was to settle the debt,

 

 

best to cut you loss's and forget about it sadly