car ownership

[fedup59]

I bought a car and the receipt is in my name, but the log book is in my ex husband's name for insurance purposes, who legally owns the car?

[cassa333]

your husband. He will say it was a gift.

[pink-kittens]

I actually thought this wasn;t strictly legal? Having the log book in someone else's name purely for insurance purposes.

Why can't you get the log book in your name? After all he is your ex and he could stop paying the insurance at any time leaving you open to a whole host of prosecutable ofences

[Ethel]

This is going to be tricky. You legally own the car, your husband is simply the RK.

Now, the RK should be the person who uses the car - he keeps it to use it.

If he says it is his, you will have to explain why it isn't.

If you made him the RK to get cheaper insurance,but you drive it, you have committed a criminal offence of fraud - commonly referred to as fronting.

[pink-kittens]

*offences

[fedup59]

let me clarify, He lived at my address and was named as the 1st driver and I as the 2nd on the insurance, he NEVER actually drove the car, now i have asked him to leave he wants the car.

[Ethel]

If he never actually drove the car you have committed the offence of fronting - which is insuring a vehicle with another person as the main driver in order to get cheap insurance.

Parents often do this with their childrens' cars.

We can now state categorically you are the owner. But if he challenges it, it will be very difficult for you to prove otherwise.

You would have to stand up in court and say you committed fraud.

[fedup59]

Thanks, it was never actually intentional for him not to drive the car, he just never did. However, i would rather stand up in court and explain than to have him take what I paid for.

[Archburner]

I'd give it up if I were you, fedup59.As Ethel explains, it will be seen as fraud and if you go to court, they may even convict you as an accomplice. Nobody's gonna buy your story even if its true. Best to work things out with your ex (why does he want it if he never drove it?) or as I said give it up. Sorry.

[Skyline D]

Don't agree with the last answer. Given how common such an offence actually is, that presumably it isn't difficult to prove who actually paid for the thing and I'd imagine that plenty of independent witnesses could be brought forward to attest to who actually drove the car, I'd think it would be relatively straight-forward to prove ownership of the car.

However, to do so you'd have to admit to fraud so it fundamentally comes down to which is worse for you, losing the car or taking a criminal conviction along with whatever penalties go with it as that would surely follow. Without knowing the value of the car or the likely penalty for such a fraud offence I have no idea which consequence is worse.

[zackajacka]

I bought a car and the receipt is in my name and the log book is in my name. Insurance for the car was joint with my ex girlfriend. Car payments leave my account. My ex-girlfriend has the keys. What can I do to get my car back?

[zackajacka]

I bought a car in November as I am learning to drive. The car is in my name, so too is the log book and the monthly payments are coming from my bank account. The car weas jointly insured but is now only insured in my ex-girlfriends name. My ex-girlfriend has the keys to the car. What can I do to get the car back?