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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 69252
Experience:  Over 5 years in practice
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I purchased a car in August last year from a car dealership,

Customer Question

I purchased a car in August last year from a car dealership, there have been problems with the finance arrangements for the car, and I am going to exchange it with the same dealership for a new car. It transpires, that the garage did not send the registration log book, therefore the car is not registered to me. Could you please clarify who legally the car belongs to?
There was misunderstanding and lack of clarity during the sale with regards ***** ***** finance, which meant I was left paying 2 loans (one for the car I had exchanged, one for the car I'd purchased), when I had understood at the time of sale that the former loan would be settled. The sales person, who was a trainee on a probationary period had been pushy and had wanted a deposit that day, I did feel somewhat pressured into the sale. This is the reason, I am part exchanging the car for another, so I can consolidate the 2 loans. However, I realized that I never received the registration documents for the car, when I checked with DVLA, it hasn't been registered to me.
Thankyou, Keith
Submitted: 1 year ago.
Category: Law
Expert:  Jo C. replied 1 year ago.
Thank you for your question. My name is ***** ***** I will try to help with this.
What type of finance agreement is this?
Customer: replied 1 year ago.

The current agreement is HP

Expert:  Jo C. replied 1 year ago.
In that case, you will not be the complete owner of the vehicle until you have made the last payment upon the HP agreement.
You are entitled the physical possession of the car though if you are the registered keeper unless they get a court order to the contrary.
Generally speaking though, unless the agreement is very recent they will want the money rather than repossession because of negative equity.
Also, most agreements have a provision that prevents them repossession after the half the payments are made but allows them to claim the money.
Can I clarify anything for you?
Customer: replied 1 year ago.

Thanks for your response. Due to the dealership holding the registration document for my current car does this allow me to proceed with exchanging the car without delay?

Expert:  Jo C. replied 1 year ago.
It depends.
Did they arrange the finance?
Customer: replied 1 year ago.


Expert:  Jo C. replied 1 year ago.
Is it with the same company?
They knew your car was on HP I presume?
Customer: replied 1 year ago.

thanks I have managed to resolve it with the dealership

Expert:  Jo C. replied 1 year ago.
No problem and all the best.
Remember that I am always available to help with your questions. Even if I am in Court I will usually pick up a question within 12 hours. For future information, please start your question with ‘For Jo C’. You can also bookmark my profile

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