Car Finance Payed

[Hg11]

Hi, I'm looking for some advise before I go down the legal route.
This is the story.
In January me and my partner at the time got a car on finance. His name was on the finance but as his credit rating was better than mine. I have always been the registered keeper and we agreed it would be me who payed for the car. I payed the first 2 months then we split. He said if I didn't clear the finance of £6500 we would send the car back so I payed off the finance myself. Now he's threatening me saying it still his car as the finance was originally in his name but he didn't pay a penny for it. I use my car to run my business so I'm very nervous now if his rights and if he can take the car.

[albaqwerty]

Have you got proof from finance company that there is no outstanding finance on it?
Really don't see what he can threaten you with if there is no money owed and you are the registered keeper.

He doesn't have a spare key does he?

[Hg11]

No he has never had a key and yes I have the receipt of the financed payed but he said he spoke to the community police man today and he said it's legally him but I can't see how he could be.

[Islay]

Unfortunately proof of registered keeper is not proof of ownership Alba.
I would say that get a letter of confirmation from the finance company that the finance is cleared and that you cleared it.
Although I am slightly surprised the finance company dealt with you as the finance is not in your name and there is data protection and all that jazz.

[Hg11]

Yes they did say that but as I was the one paying they spoke to me briefly. I have the receipt to show I payed and it's in my bank statements. I have all the paterwork although the finale was in his name but was payed off by me after 2 months

[albaqwerty]

I know Islay, seems daft really doesn't it?
(I mean the reg. keeper bit)
Data protection too is quite interesting, sometimes, just sometimes, I think it depends on the person at other end not really knowing what they are supposed to do.

With all due respect to the Community Police-person, are they really up on the law in specific matters?

[hc4361]

Was this a personal loan or a HP car loan?

[Hg11]

Car finance no loan.

[hc4361]

It's odd that he was able to get finance on a car registered to you. However, just get together all your evidence of payments and make copies. Assuming he has never been insured to drive it, add a copy of your insurance, too.
The payments, the insurance and the fact that you are the RK should help prove your ownership. Just keep the copies handy in case you should need them

[New Judge]

The very last person anyone should take legal advice from is a serving police officer (or community Support Officer). They usually have less legal knowledge than the man on the Clapham Omnibus and what they do have is usually contaminated by the job they do and the people around them.

As has been mentioned, the vehicle’s Registration Document (V5C) is NOT proof of ownership. It says so on the top in bold letters. But neither is a finance agreement. It is clear you can easily prove that you made all the payments associated with buying the car.

It’s not quite clear what threat your ex is posing here. Is he threatening to remove the car from you? Is he threatening to take you to court over it?

Whatever it is, it seems you hold most if not all of the cards. You have the car in your possession (and, presumably, all the keys). You hold the V5C. You have paid for it and can prove that you did so. If it disappears simply report it to the police as stolen and tell them that you have a good idea who stole it.