Scheming Ex

[G54]

Long post, sorry.

Here I sit, feeling a bit of an idiot and relieved at the same time. Why? .....

For 9 months I have been paying the instalments on an ex g/f car. She could not afford the instalments and to have the motor repossesed would have meant financial loss to her. We have a written agreement that the car is mine when the finance has been paid off (she was the current g/f when the agreement was reached and the paperwork signed 9 months ago).

2 nights ago I am sat in a restaurant with the current g/f. Place was fairly empty. Two Thai men sit at the table behind us and I heard one mention 'Farang' very loudly. I didn't think a lot of it at the time. At closing time one Thai male came and sat at our table and he started talking to me about the car in very limited English. I got him to talk to the g/f who translated some of the more difficult words with the help of a dictionary to make sure I understood exactly what was being said.

Initially he said he was from the finance company and that the car is in debt and he would be repossesing the motor. I knew this to be a lie because I make the payments, they are up to date and I was at the finance office 3 weeks ago getting the insurance renewed. So I told him he was lying. That was when he changed his story. Now he says he stands guarantor against the debt. He wants to buy a new car but the bank will not give him credit because of the outstanding debt on this motor. He wants me to clear the debt. I ask why I should do that and give him a few negatives in response to other questions. I also tell him he is a liar because the guarantor is a woman.

There is now a lot more conversation going on. I can see the g/f demeanour changing, hear her voice changing too. She is now not a happy bunny. I call a halt to the conversation. We leave immediately. In the car and back at my place the g/f is angry and will speak little to me about whatever else was said and it was way too much talk to be only about the car.

We have the mans name and his mobile number and at midnight I phoned the ex. Seemed right to wake her as the current g/f has been upset and made angry by this intrusive stranger. The ex says she does not know anyone by the name he gave. Now I am puzzled. He is not known to the ex and certainly not to the g/f.

Next day this guy is phoning the g/f, pestering her. I drive to the ex's house late that night and let her know I am not happy and that I think something is going down here. Her family were very pleased to see me (not) LOL.

Today I phoned the ex in a calmer mood and gave her the details of this man and his number and told her I will be finding out who he is and where he is. That is when she tells me he is the husband of the sister who stands guarantor on the car. So she does know who he is!!! Gives the same name for him too. Now I know something is going down here.

I spent the morning and early afternoon going over the details of the conversation from teh restaurant.

He talks of repossesing the car and I double checked with the g/f that that was the exact word he used and she confirmed it. Very fishy.

My thoughts turn to the agreement. Is it really valid? I have had concerns in the past but done nothing about confirming the validity of the agreement. Until this afternoon. I took an English speaking friend with me to see my favourite none English speaking lawyer. Seems the agreement is worthless even though it is signed by both parties. They can take the car back.

On the other hand, I can give the car back

The lawyer seems to think that I can also sell the car and the finance company would have no problems with this if I showed them the agreement and the receipts of payment made by me for 9 months and giving them her number for them to talk to her if needs be.

Now I will have to tout around the garages and see if the car is worth more than the outstanding debt. I am hoping it is worth less than the outstanding debt so I can dump the car back on her and tell her and the family to stuff it where the sun does not shine and get them to make up any arrears that accrue especially as they cannot afford to pay the instalments. If it is worth more, then I will go to the finance company and arrange to sell it myself and, of course, keep the profit, if they agree.

Several difficult and somewhat heated telephone calls today of the ex wanting me to get the new g/f to take over the credit agreement and for me to have the name changed on the car. Or for me to clear the debt. Seems they are in a hurry to get this sorted now it is out in the open. So I feel they are desperate. Maybe desperate enough to come and reposses the car as he told the g/f they were going to do.

It goes to show that we can never be too careful and also that I am a fool for believing or having trust in the ex g/f even though she was not the ex at the time.

On the other hand, I could have carried on paying for the car for the next 3 years only to have it taken from me after the final payment.

In an attempt to tilt the balance back in my favour I have phoned the scheming ex and told her I will make a decision by next week as to what I will do about clearing the debt or transferring the credit agreement. She is happy with that but does not realise I am going to tout the car around see what is the best course of action for me. Yet it does give me breathing space to sort something out and to transfer funds here to go buy a different motor.

Lesson here is I have paid 'rental' on the motor but it could have been a lot worse. I am glad I have discovered the true nature of things now and all thanks to a man who is desperate to alter his own credit rating. Better late than never!!

[yabaaaa]

Must be the quiet season? there seems to be a plethora of these posts at the moment, tell you what I met a nice woman and lived happily ever after so there you can cheer up a bit now

[F1fanatic]

Surely not, hard to believe this could have happened. (rolling eyes emoticon)

[Travel2003]

Not trying to be rude, or "cleaver" here, but I don't get it.

You keep paying for a car that you do not use?

You pay for a car that another person (your x-gf) uses?

If yes, what about the innsurance (if any)? In your name?

You have an agreement that the car is yours when it is paid in full???

In who's name is the car in? Who is the present owner of this car?

Sorry, but I really don't get it.

[Heng]

Funny how folks move here and get involved in ghetto/in-da-projects type situations (albeit with a Thai-ish flavor).

[JetsetBkk]

Not trying to be rude, or "cleaver" here, but I don't get it.

You keep paying for a car that you do not use?

You pay for a car that another person (your x-gf) uses?

If yes, what about the innsurance (if any)? In your name?

You have an agreement that the car is yours when it is paid in full???

In who's name is the car in? Who is the present owner of this car?

Sorry, but I really don't get it.

Yes, very confusing. I think he's still using the car, but it belongs to the ex-g/f. The man - husband of sister who is guarantor - wants to take the car off the OP. And the paper that states the car will belong to the OP when paid for, is legally worthless.

Rule #1: Never invest......

Rule #2: Never buy in a g/f's name.

Rule #3: Pay cash and put it in your own name (like my pick-up and bike)

Rule #4: Repeat 1-3 above, continuously.

[robbiecia]

G54

Give the car back..............and walk away

Good luck

[balo]

Its very simple , every thing you buy must be in your name .

Never trust your gf or her family and friends.

Follow these simple rules and you will be safe.

[G54]

Not trying to be rude, or "cleaver" here, but I don't get it.

You keep paying for a car that you do not use?

You pay for a car that another person (your x-gf) uses?

If yes, what about the innsurance (if any)? In your name?

You have an agreement that the car is yours when it is paid in full???

In who's name is the car in? Who is the present owner of this car?

Sorry, but I really don't get it.

I use the car. It is parked at my place. But it is in her name with the finance company. Insurance is mine also. Obviously the finance company hold the book.

Point is I now know they can take the car if they want to, even though we have a written agreement signed and witnessed. And I am happy I found out now. I admit I was lax in not checking earlier on the validity of the agreement

[G54]

Not trying to be rude, or "cleaver" here, but I don't get it.

You keep paying for a car that you do not use?

You pay for a car that another person (your x-gf) uses?

If yes, what about the innsurance (if any)? In your name?

You have an agreement that the car is yours when it is paid in full???

In who's name is the car in? Who is the present owner of this car?

Sorry, but I really don't get it.

Yes, very confusing. I think he's still using the car, but it belongs to the ex-g/f. The man - husband of sister who is guarantor - wants to take the car off the OP. And the paper that states the car will belong to the OP when paid for, is legally worthless.

Rule #1: Never invest......

Rule #2: Never buy in a g/f's name.

Rule #3: Pay cash and put it in your own name (like my pick-up and bike)

Rule #4: Repeat 1-3 above, continuously.

Apologies for the confused way it was set out but you got it right.

It was easy for me to take over the repayments on her motor and at the time seemed pointless to have 2 motors between the two of us as we were living together.

I will know the value of the motor this weekend then I can decide to contact the finance company or simply hand the car back to the ex and let them deal with the repayments that she cannot afford to make

Obviously they have recently checked on the validity of the agreement because the guarantor is stuck financially and have been told the same as me, that it is not legally binding.

In many ways I will not have lost a lot financially at this point in time but would have done if I had continued the repayments and then they had taken the car off me.

Next step is to look to buy another motor while I have this one to drive around in.

Yes, I should have checked earlier on the agreement but one day passes into another and with no obvious problems I kept putting off checking on the agreement. I am happy I know what I know now. So all is not lost.

[tartempion]

Still don't get this.

You drive the car, you pay via finance but have guarantor who can sell the car (not first time I hear this) and it's in the name of an ex, not in your name!

Now when you pay sufficient % down payment there is no need for a guarantor, nor do you need to put the car in a woman's name.

So still don't get this, are you stupid or what? (see other thread where guy asks if he's stupid)

Edit: OP's reply 4 minutes earlier: so you took over the repayments of a car already in finance and signed some kind of paper which is not legally binding?

Edited September 27, 2008 by tartempion

[PattayaParent]

You're not a Scouser are you!

If you were you'd have figured out by now that as the insurance is in your name you would get paid the value of the car if it was stolen and found to be a burnt out wreck in a remote field and the ex would STILL have to pay the debt to the finance company ;-)

[sassienie]

Not trying to be rude, or "cleaver" here, but I don't get it.

You keep paying for a car that you do not use?

You pay for a car that another person (your x-gf) uses?

If yes, what about the innsurance (if any)? In your name?

You have an agreement that the car is yours when it is paid in full???

In who's name is the car in? Who is the present owner of this car?

Sorry, but I really don't get it.

Yes, very confusing. I think he's still using the car, but it belongs to the ex-g/f. The man - husband of sister who is guarantor - wants to take the car off the OP. And the paper that states the car will belong to the OP when paid for, is legally worthless.

Rule #1: Never invest......

Rule #2: Never buy in a g/f's name.

Rule #3: Pay cash and put it in your own name (like my pick-up and bike)

Rule #4: Repeat 1-3 above, continuously.

GOOD ADVICE

Rule #1: Never invest......

Rule #2: Never buy in a g/f's name.

Rule #3: Pay cash and put it in your own name (like my pick-up and bike)

Rule #4: Repeat 1-3 above, continuously.

Rule #1: Never invest......

Rule #2: Never buy in a g/f's name.

Rule #3: Pay cash and put it in your own name (like my pick-up and bike)

Rule #4: Repeat 1-3 above, continuously.

Edited September 27, 2008 by sassienie

[zorro1]

I doubt he thinks the car is an "investment"

[Lucifer]

Give the ex. two choices.

One, she takes and keeps the car straight away.

Two, you and the ex. go to the solicitor, at her expense, and sign an agreement that IS valid.

This way you won't get her too upset.

[willnv]

You're not a Scouser are you!

If you were you'd have figured out by now that as the insurance is in your name you would get paid the value of the car if it was stolen and found to be a burnt out wreck in a remote field and the ex would STILL have to pay the debt to the finance company ;-)

I dont fully unserstand this situation but I was going to suggest something else until I read this. If you really wanted to get back at the ex then couldn't you just cancel your insurance and then your name would be completly cleared from the car. Then you could just abonden that car with the keys in it or take it back to her place with all the windows smashed, or something of the like. You'd be out whatever money you put into the car but atleast the ex would have to pay off the rest of the dept on a worethless car. Or perhaps you could threaten do something of the like in order to cut some sort of deal with your ex. I like PattayParent's idea better though! The ex may want to kill you after, so better be careful lol!

[G54]

Still don't get this.

You drive the car, you pay via finance but have guarantor who can sell the car (not first time I hear this) and it's in the name of an ex, not in your name!

Now when you pay sufficient % down payment there is no need for a guarantor, nor do you need to put the car in a woman's name.

So still don't get this, are you stupid or what? (see other thread where guy asks if he's stupid)

Edit: OP's reply 4 minutes earlier: so you took over the repayments of a car already in finance and signed some kind of paper which is not legally binding?

No, not stupid. The point is that it could have been expensive a few years down the line. Added to that it was convenient at the time. I was too da_n lazy to bother to check on the agreement after the split.

Besides it is no worse than renting a motor at this point in time.

When two people live together you do things differently.

[qwertz]

It"s only a car.

Count yourself lucky it wasn't more.

Walk away, call it a lesson well learned and don't do anything spiteful.

An angry Thai can make your life hel_l, remember you're on their turf.

[JetsetBkk]

It"s only a car.

Count yourself lucky it wasn't more.

Walk away, call it a lesson well learned and don't do anything spiteful.

An angry Thai can make your life hel_l, remember you're on their turf.

Agree with all the above! A lesson well learned indeed.

Best of luck to the OP.