Welshblonde I think you are overcomplicating the issue about the registered keeper. You bought the car for you son. He was the owner. You can show this by the fact you took out insurance and declared that he was the owner. All you have done is forget to send off the V5. What you need to do is send a simple letter to collingwood stating that your son was the owner of the car as declared at the time insurance was purchased. The failure to change the V5 was an administrative oversight which does not change this fact.