Thank you for your understanding, we wanted to find out if anyone knew where we stand in this instance? The dealership have called my mum telling her she has committed fraud and might loose her job etc with the intent to scare her into returning the car. She does not have the car I do as I refuse to return it until all avenues are exhausted, I really feel they have acted fraudulently and misinformed us. It is very stressful - I really do not want to give the car back - I am happy to pay for it as agreed.

The dealership told us this would be no problem - it would in fact be like a guarantor. We were miss informed we had no intention to deceive. I thought that would have been plainly obvious from previous comments? Any your response is in no way helpful to the initial plight.

That is good to know - so as it stands my keeping the vehicle has no impact on the finance company, thus I am sure they have no interest in the fact I have the car as they have bowed out. The matter as you stated is between the dealership and my mother/me.

You mentioned no further action would be taken, I presume you are referring to action against the car dealer? I have spoken to a solicitor regarding taking action against the dealer for committing fraud with my mothers details. Have you ever come across this?

My mother did not transfer it to another party - the dealer did this. I have already read that article and it relates to people committing fraud - something which with have already ascertained we did not commit. Or would you disagree? If you do agree then who is at fault? The dealer I presume, so with your experience in the finance industry, have you come across the dealer being the one committing the fraud and if so what was the outcome?

You are mistaken, the definition of fraud is to intentionally deceive - there was no intention there. I suggest you look this up and educate yourself - I find your comments rather offensive. Neither I nor my mother deceived nor committed fraud. And can I ask, do you work for Mercedes Benz Finance? I only ask as you mention 'as per their terms and conditions' I take it you must work for them to know the in's and outs of their agreements or is it a pastime of yours to troll through car financing companies terms of business?

A fraud is an intentional deception made for personal gain or to damage another individual - as my mother and myself entered into this agreement without knowing it was termed 'fronting' then no fraud was committed - there was no intention to deceive. Also this is not the view of Citizens Advice and a Solicitor. So 'essentially' you are wrong. Yes my mother put her name on the financial agreement thus she is responsible for the upkeep of payments for the vehicle - irrespective of the fact the direct debit for the monthly payments are coming from my account she is liable for the upkeep of the agreement. As it stands I am still in possession of the vehicle, we feel the dealership have committed fraud and as such we do not intend on returning the vehicle until our solicitor has read through my mothers financial agreement and related paperwork to see where we stand. I merely came to this website to find out if anyone else had any knowledge of dealerships behaving in this way and or finance companies and what I can do to help my situation i.e. keep the car. Regards

Thank you for your reply. My mother did not give me the car, we asked the advice of the dealership and followed it to the letter. The dealership registered the car in my name, told me it was inconsequential that the direct debit payments were coming out of my account and that it was all above board. From what I posted earlier I do not see how you came to the conclusion that my mother committed fraud?

This is reposted from another thread - thought it might get more reply's here - any help is greatly appreciated I am at a loss Hi - I have been reading your thread with great interest - I too have come up against the very same problem . My mother took out car finance for me through Mercedes Benz Finance - from the get go I made it crystal clear that I had an adverse credit history and as such I would require my mother to take the finance out for me. I was unaware this was frowned upon and the dealership certainly did not make me aware. They processed the finance in my mothers name (without her being there or with her express permission to cary out a credit check (she had given it to me) and the finance was agreed after a hard search on her credit profile. They inputted all my mothers details and bank details, after the finance was agreed but prior to my mother signing the financial agreement they switched her bank details to mine. I had asked at the beginning if it would be ok for the direct debit to be taken from my bank account and if the vehicle could be registered in my name etc and they told me this was ompletely fine so after the finance was accepted by Mercedes Finance online but before my mother signed the paperwork the dealer changed the bank details from my mothers to mine. At the time I did not think much of this as it all seemed above board and just normal practice. This was almost one week ago, my mother signed the paperwork last Saturday and they registered, taxed and insured the car in my name. Yesterday morning I took delivery of the vehicle (collected from the forecourt) and everything seemed fine, until.... Last night we had a call from the dealer to say the finance company had revoked the finance agreement. They said they had revoked the deal as my name was on the direct debits and as registered keeper - it seems they credit checked me, although I am usure of this. The dealer said that the car must be returned as there is no finance on it. I have refused as my mother has a credit agreement in place which she has not breached. I have spoken to a solicitor, police and citizens advice and have had conflicting reports. The more I think about it the more I am drawn to conclude that it is the dealership that is at fault due to the 'tampering' of the paperwork after approval but before signing. Myself and my mother were completely upfont about what we wanted and asked advice from the dealership and the advice we were given it seems is completely incorrect. The dealership since then have made a few calls back and forth the last of which was from teh dealer to my mother basically saying she committed fraud and that in her line of work she could get into trouble so best she gets me to return the car. I have told the dealership I do not intend on returning the car I do intend on keeping up with payments however so I suggested they organise some other form of finance. Thy are coming back to me tomorrow. Have you gotten any further forward with your problem - if there is anyone here that can help it would be MUCH appreciated! Thanks

Hi - I have been reading your thread with great interest - I too have come up against the very same problem . My mother took out car finance for me through Mercedes Benz Finance - from the get go I made it crystal clear that I had an adverse credit history and as such I would require my mother to take the finance out for me. I was unaware this was frowned upon and the dealership certainly did not make me aware. They processed the finance in my mothers name (without her being there or with her express permission to cary out a credit check (she had given it to me) and the finance was agreed after a hard search on her credit profile. They inputted all my mothers details and bank details, after the finance was agreed but prior to my mother signing the financial agreement they switched her bank details to mine. I had asked at the beginning if it would be ok for the direct debit to be taken from my bank account and if the vehicle could be registered in my name etc and they told me this was ompletely fine so after the finance was accepted by Mercedes Finance online but before my mother signed the paperwork the dealer changed the bank details from my mothers to mine. At the time I did not think much of this as it all seemed above board and just normal practice. This was almost one week ago, my mother signed the paperwork last Saturday and they registered, taxed and insured the car in my name. Yesterday morning I took delivery of the vehicle (collected from the forecourt) and everything seemed fine, until.... Last night we had a call from the dealer to say the finance company had revoked the finance agreement. They said they had revoked the deal as my name was on the direct debits and as registered keeper - it seems they credit checked me, although I am usure of this. The dealer said that the car must be returned as there is no finance on it. I have refused as my mother has a credit agreement in place which she has not breached. I have spoken to a solicitor, police and citizens advice and have had conflicting reports. The more I think about it the more I am drawn to conclude that it is the dealership that is at fault due to the 'tampering' of the paperwork after approval but before signing. Myself and my mother were completely upfont about what we wanted and asked advice from the dealership and the advice we were given it seems is completely incorrect. The dealership since then have made a few calls back and forth the last of which was from teh dealer to my mother basically saying she committed fraud and that in her line of work she could get into trouble so best she gets me to return the car. I have told the dealership I do not intend on returning the car I do intend on keeping up with payments however so I suggested they organise some other form of finance. Thy are coming back to me tomorrow. Have you gotten any further forward with your problem - if there is anyone here that can help it would be MUCH appreciated! Thanks