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omega_red_08 · Jan 16, 2012, 08:11 AM

My ex is using a car that I am paying for. I am the only one on the title and I pay all insurance. What are my options? I have given her 2 months to get it refinanced in her name and she has not done it.

JudyKayTee · Jan 16, 2012, 08:12 AM

Who is the registered owner, is it ex girlfriend or ex spouse, what State?

omega_red_08 · Jan 16, 2012, 08:15 AM

I am the registered owner. Ex girlfriend. North Carolina.

excon · Jan 16, 2012, 08:31 AM

Hello o:

Give her 48 hours to return it, or you'll report it stolen.

excon

JudyKayTee · Jan 16, 2012, 08:37 AM

Agree with Excon - in my area the Police will help you regain your property but will not take a stolen vehicle report if you KNOW where it is and it was taken with your permission.

That very well may vary in other areas.

Schoolmarm97 · Jan 16, 2012, 09:03 AM

There's always the option of a lawsuit. She took your property. You could sue her for the return of it or reimbursement.

JudyKayTee · Jan 16, 2012, 11:00 AM

How are you paying insurance on a car that is not registered to you?

Fr_Chuck · Jan 16, 2012, 11:27 AM

I think he is saying he is the registered owner and only person on the title and he pays the insurance.

Just go get it, when she is at work, or it is parked in front of her house, just go over , get into it and drive off. It is your car.

JudyKayTee · Jan 16, 2012, 01:24 PM

Originally Posted by Fr_Chuck

I think he is saying he is the registered owner and only person on the title and he pays the insurance.

Just go get it, when she is at work, or it is parked in front of her house, just go over , get into it and drive off. It is your car.

I guess I need a translator! I thought OP was saying he held only the Title. Now I see he may be saying "title" and meaning "registration." Yes, if he's the registered owner he just goes and takes it. (Bring the paperwork if she calls the Police and stay off private property unless you are with the Police.)

I've posted before that I hold title to a car but am not the registered owner and that's where my head was at!

omega_red_08 · Jan 16, 2012, 02:06 PM

Sorry for the murky question. I took the loan out in my name and I am the only one on all the paperwork. No co-signer.

AK lawyer · Jan 16, 2012, 06:19 PM

Originally Posted by omega_red_08

Sorry for the murky question. I took the loan out in my name and I am the only one on all the paperwork. No co-signer.

As Fr_Chuck says, just "repo" the car. As long as you can do it peacefully, you're in the clear. Or, if you are hesitant about doing this, hire a repo company. That's what they do for a living.

ebaines · Jan 17, 2012, 10:43 AM

Originally Posted by AK lawyer

As Fr_Chuck says, just "repo" the car.

This assumes that the OP has a set of keys. And it leaves open the possibility that the GF may come and take it right back using the set of keys she still has in her possession. If you do this you should consider having the car keys recoded, which unfortunately can be quite expensive.

AK lawyer · Jan 17, 2012, 06:06 PM

Originally Posted by ebaines

This assumes that the OP has a set of keys. And it leaves open the possibility that the GF may come and take it right back using the set of keys she still has in her possession. If you do this you should consider having the car keys recoded, which unfortunately can be quite expensive.

As the record owner, OP can get the keys through a dealer.

And if the GF takes the car back, without being on the title or having permission to use the car, that would be theft. In that event call the police.

JudyKayTee · Jan 17, 2012, 07:54 PM

Originally Posted by ebaines

This assumes that the OP has a set of keys. And it leaves open the possibility that the GF may come and take it right back using the set of keys she still has in her possession. If you do this you should consider having the car keys recoded, which unfortunately can be quite expensive.

It's not in her name. She would be stealing the car, keys or no keys.