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Hello, I hope you are well. My name is***** am a solicitor advocate and I will be assisting you with your question today. I am very sorry to hear of the problem you are experiencing and I will do my best to help you with this matter.
The V5 document determines the legal “keeper” of a vehicle, not the legal owner.
The legal keeper and legal owner can be two different people.
From the information you have given above, your name is ***** ***** V5, making you the legal keeper.
The signed agreement that you have with your ex mother in law, would clearly show that she is the legal owner of the vehicle, until you have fully cleared your debt with her for the money that you borrowed.
Once the debt is clear, then according to your agreement a you have explained it, you would then become the legal owner of the vehicle as well as the legal keeper.
Can I help and clarify anything further?
It is possible they could try, you would have to show them that you are not the legal owner.
I hope that clarifies that for you.
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Thank you for using Just Answer and for allowing me to assist you with your legal enquiry. I am pleased I was able to be of assistance. Please do not hesitate to come back to me for further advice on this or any other legal matter. It will be my pleasure to be able to assist you again.