Last May(08) my partner bought me a brand new car. It arrived mid June at our home on a transporter,gleaming a real bobby dazzler. I insured the car stating my partner as the registered owner as he is the one who purchased it on finance and he was told the V5 would be in his name. We did not receive a V5 and now I cannot tax the car. The finance people say that they are unable to contact the dealer and the dealers web-site is no longer available. I did a registration check on the DVLA site and the car details seem correct. Does that mean that my car is registered with them? If so why haven't I received a car tax reminder. Who registers a new car? Isn't the dealer suppose to. Please note that this was sold as brand new and not pre-registered. Does anyone have any idea what our legal standing is in a situation like this. Cheers
Brand new car? Nightmare!!
- Thread starter MissDade
- Start date
Apply for a V5 using a V62
Hi Miss Dade,
The easiest thing to do would be to apply for a V5 using a V62. This might help:
Apply for a vehicle registration certificate V5C (form V62) : Directgov - Do it online
Good luck
Tony
BTW The finance company should take more responsibility as they are equally liable for this under section 75 of the consumer credit act - assuming this was not a personal loan.
Hi Miss Dade,
The easiest thing to do would be to apply for a V5 using a V62. This might help:
Apply for a vehicle registration certificate V5C (form V62) : Directgov - Do it online
Good luck
Tony
BTW The finance company should take more responsibility as they are equally liable for this under section 75 of the consumer credit act - assuming this was not a personal loan.
Spoken to DVLA who can't tell me who the car is registered to, but they did say 'it's not us'. They also told me to not worry about the car not being taxed as we are not liable because legally we don't own it. Out of conscience we have put it off road but I am so angry. The finance company suggest we get a duplicate V5 at our cost. Why?
What gets me is the car has been registered by someone else and that would make us 2nd keepers even if it was sorted out. My partner has paid out £5000so far in deposit and monthly payments and all we've got is someone elses car thats not taxed and not insured. It seems that without being the registered keeper we have no cover and although I bought insurance in good faith stating my partner as the owner it turns out that he's not. Gggrrrrrrrr
What gets me is the car has been registered by someone else and that would make us 2nd keepers even if it was sorted out. My partner has paid out £5000so far in deposit and monthly payments and all we've got is someone elses car thats not taxed and not insured. It seems that without being the registered keeper we have no cover and although I bought insurance in good faith stating my partner as the owner it turns out that he's not. Gggrrrrrrrr
Thanks for the update. You should tell the finance company that the are equally liable for this under Section 75 of the Consumer Credit Act and they should sort it out. Try to get your local trading standards office to help you with this
Tony
Tony
It would appear that the finance company dont seem to have ownership of the car and are trying to trace the person who has registered the vehicle. Does anyone know how this affects the condition, within the contract, that the car belongs to the finance company until all payments have been recieved? Also what is the likelyhood of this other person trying to take the car ? Not that I will tell him where it is stored.
The finance company is equally liable under section 75 of the Consumer Credit Act. It is as if you bought it from them - Consumer Credit Act and Your Consumer Rights | Consumer Information
You statutory rights have been breached:
Tony
You statutory rights have been breached:
It sounds like you contract is invalidated and you should be returned to the position you were in before i.e. insurance costs, money paid thus far etc and agreement cancelled. The finance company is liable, but you really need to get advice and help from Trading Standards as the finance company will probably need some prodding.
Tony
I have spoken to a solicitor today and basically he said that I 'didn't have a hope of getting anywhere with this. I managed to speak to the dealer who was the person who initiated the internet sale and arranged the finance for me. His car business has been dissolved he is now into property management. He gave me the name of the guy who has registered the car at the DVLA. He also suggested I just apply for a V5 declaring that I had never received the document.
I decided to check this other guy out only to find that he too has gone 'bust'. Strangely I then notice that this guy's business name is written on the delivery sheet that we received with the car, as being the customer to whom the car is being delivered c/o our home address. This is the only receipt I have but full details of the car including vin number are on my finance agreement. (sorry this is so long winded and confusing)
I am wondering if anyone might know if this is sufficient to substantite our ownership.
I decided to check this other guy out only to find that he too has gone 'bust'. Strangely I then notice that this guy's business name is written on the delivery sheet that we received with the car, as being the customer to whom the car is being delivered c/o our home address. This is the only receipt I have but full details of the car including vin number are on my finance agreement. (sorry this is so long winded and confusing)
I am wondering if anyone might know if this is sufficient to substantite our ownership.