DVLA lifted car . Who do they notify?

[Chelsea Blue]

I hope I've posted this in the right section.

 

Long story short.

 

Friend had a barny with his misses and cops were called.

 

 

He was bailed on a condition that he does not speak with her or go near their shared house.

He had no key or documents for the car, which was left at the house.

 

Car runs out of tax/insurance and the DVLA take the car away.

Car is subject to a finance agreement.

 

He assumes the DVLA would have notified him as the registered keeper but obviously his ex never passed it on.

(He never notified the DVLA of a change of address as he was living out of a black bin bag at various friends houses).

 

 

So fast forward six months and the Finance Company coming looking for the car which was lifted.

 

Would the DVLA have to carry out a HPI check on the car, and also notify the Finance Company, before crushing?

He is convinced it has been crushed.

[dx100uk]

no, that's his problem.

 

 

how far in is he in the agreement?

 

 

dx

[Chelsea Blue]

He is 18months in on a 36 month agreement.

[dx100uk]

then they [the fince company] cant take the car without a court order.

even if they could find it

that would make the agreement invalid under section 90 of the CCa

and he could demand all payments back

 

 

dx

[Chelsea Blue]

He is not sure when the car was taken, it could have been up to 6 months ago.

 

 

The reason why it has come to light this week is because the balliffs turned up at his mums house

,he is not sure how they got the address, looking for the car.

 

 

Other than one missed payment at the start of the agreement,

due to direct debit attempt one day before his wages were put in the bank which was quickly resolved,

all payments are up to date.

 

 

He accepts that he is liable for all the remaining payments but cannot understand why the balliffs came,

unless someone told them that the car is no longer/scrapped/stolen/hidden.

 

 

That's the reason why I asked whether the DVLA would notify the Finance Co or not.

 

 

But why would the Finance Co worry about the car, if payments are still coming in every month?

[GrumpyToSayTheLeast]

then they cant take the car without a court order.

 

 

dx

 

Its an untaxed/uninsured vehicle.

 

 

The DVLA took it six months ago. It will have been through a crusher by now.

 

 

And yet, he will still have to continue paying the finance.

 

 

I would assume they probably clamped it, and then removed a day later and also sent notification to the RK.

 

 

Gone to car heaven would be my guess.

 

 

I used to repo cars and saw this from time to time.

[GrumpyToSayTheLeast]

He is not sure when the car was taken, it could have been up to 6 months ago. The reason why it has come to light this week is because the balliffs turned up at his mums house,he is not sure how they got the address, looking for the car. Other than one missed payment at the start of the agreement, due to direct debit attempt one day before his wages were put in the bank which was quickly resolved, all payments are up to date. He accepts that he is liable for all the remaining payments but cannot understand why the balliffs came, unless someone told them that the car is no longer/scrapped/stolen/hidden. That's the reason why I asked whether the DVLA would notify the Finance Co or not. But why would the Finance Co worry about the car, if payments are still coming in every month?

 

A yearly RK check by the finance company would have thrown up a scraped marker. That would have immeditaely started the hunt for the car regardless of whats been paid.

 

They would put a trace on the subject and try any and all addresses they can to find the car or him.

[Chelsea Blue]

Thank you GrumpyToSayTheLeast, that make sense to me.

 

I will let him know and it's up to him to sort it out with the Finance Co

and I dare say some kind of outstanding fine with the DVLA waiting in the wings.

 

This is the problem with youngsters, they buried their head in the sand and hope it will go away!!

 

No chance!!