V5 fraud by mother
Discussion
Hiya,
I have a PCP FINANCE until 2023. I make the payments and have done since I entered the agreement in 2019.
Whilst I was giving birth and recovering from an emergency c - section, looking after my first newborn, my mother, who I no longer live with but had done all my life prior to the birth of my baby, changed the v5 document to put herself as the registered keeper of the vehicle. This was done without my consent or knowledge. WHAT DO I DO TO GET THE V5 BACK IN MY NAME
I have a PCP FINANCE until 2023. I make the payments and have done since I entered the agreement in 2019.
Whilst I was giving birth and recovering from an emergency c - section, looking after my first newborn, my mother, who I no longer live with but had done all my life prior to the birth of my baby, changed the v5 document to put herself as the registered keeper of the vehicle. This was done without my consent or knowledge. WHAT DO I DO TO GET THE V5 BACK IN MY NAME
As the finance documents are in your name and you can show the payments is in your name report it stolen.
Presumably your mum did the V5 change via the dvla online service because using the paper method you would need both the existing and new keepers to sign the bottom part of the V5 & post it to the DVLA.
Good luck on the phone to the DVLA!
Presumably your mum did the V5 change via the dvla online service because using the paper method you would need both the existing and new keepers to sign the bottom part of the V5 & post it to the DVLA.
Good luck on the phone to the DVLA!
Well, you just need the V5 where you can change ownership again online in seconds.
I'm guessing that's not going to be so easy, so I would call 101 and ensure you have evidence that it was you who bought the car (i.e. invoice, bill of sale), as well as the finance agreement in your name.
I'm guessing that's not going to be so easy, so I would call 101 and ensure you have evidence that it was you who bought the car (i.e. invoice, bill of sale), as well as the finance agreement in your name.
Equus said:
Although insurers usually won't touch you unless you can tell them that the vehicle is registered in your name... so the OP's question still stands.
Eh? Aren't most lease deals held with the V5 in the lease company?Due to admin error, wife's car is in my name, but insurance didn't have a problem with it.
ghost83 said:
V5 doesn’t prove ownership! You also can’t have 2 insurance policies on a vehicle so remove her from the v5 and get your own insurance
But it sounds like there is more to this than we are being told
You can have as many policy's as you like ...... You can only claim on one though.But it sounds like there is more to this than we are being told
I see it like this,
The V5 details who the keeper is and is NOT proof of ownership. It clearly states this on the V5. If you have the receipt for purchase and lease documents then you are liable for the car and the lease company owns it.
So parking tickets go to your mum. If you mom drives the car then she is driving it without permission of the owner i.e. you.
Insurance wise depending on what she has put i.e. did she say she was the the legal owner then the insurance is invalid. To this point you are required by the lease company to Insure the car.
I would talk to Citizens Advice/Lease company and see if you can simply return the car. You can make arrangement for another car your mum can't fudge the documents. Hopefully that is an option.
The V5 details who the keeper is and is NOT proof of ownership. It clearly states this on the V5. If you have the receipt for purchase and lease documents then you are liable for the car and the lease company owns it.
So parking tickets go to your mum. If you mom drives the car then she is driving it without permission of the owner i.e. you.
Insurance wise depending on what she has put i.e. did she say she was the the legal owner then the insurance is invalid. To this point you are required by the lease company to Insure the car.
I would talk to Citizens Advice/Lease company and see if you can simply return the car. You can make arrangement for another car your mum can't fudge the documents. Hopefully that is an option.
Also the mother doesn't have an "insurable interest" in the car - she would not be suffering a loss?
"The interest that a person has in something such as a particular property or another individual, which means that the person would suffer a loss should that property or individual be harmed. In insurance law, you can only buy insurance for something or someone in which you have an insurable interest."
vaud said:
Also the mother doesn't have an "insurable interest" in the car - she would not be suffering a loss?
"The interest that a person has in something such as a particular property or another individual, which means that the person would suffer a loss should that property or individual be harmed. In insurance law, you can only buy insurance for something or someone in which you have an insurable interest."
But she still needs 3rd party coverage..."The interest that a person has in something such as a particular property or another individual, which means that the person would suffer a loss should that property or individual be harmed. In insurance law, you can only buy insurance for something or someone in which you have an insurable interest."
My take on this is that the OP's mother had re-registered the vehicle into her name thinking that this gives her complete ownership of the vehicle (And we all know the RK is not necessarily the registered keeper).
The DVLA website tells you to call their Counter Fraud and Intelligence Team, and to contact:
Fraud or cyber crime can be reported to Action Fraud by calling 0300 123 2040 (Monday to Friday, 8am to 8pm), or by using their online reporting tool, which is available 24/7.
If it were me, I would also call the Police on 101 and get a crime reference number to quote at the DVLA.
The DVLA website tells you to call their Counter Fraud and Intelligence Team, and to contact:
Fraud or cyber crime can be reported to Action Fraud by calling 0300 123 2040 (Monday to Friday, 8am to 8pm), or by using their online reporting tool, which is available 24/7.
If it were me, I would also call the Police on 101 and get a crime reference number to quote at the DVLA.
vikingaero said:
My take on this is that the OP's mother had re-registered the vehicle into her name thinking that this gives her complete ownership of the vehicle (And we all know the RK is not necessarily the registered keeper).
The DVLA website tells you to call their Counter Fraud and Intelligence Team, and to contact:
Fraud or cyber crime can be reported to Action Fraud by calling 0300 123 2040 (Monday to Friday, 8am to 8pm), or by using their online reporting tool, which is available 24/7.
If it were me, I would also call the Police on 101 and get a crime reference number to quote at the DVLA.
I'd also consider informing the finance company? Given they are the owner?The DVLA website tells you to call their Counter Fraud and Intelligence Team, and to contact:
Fraud or cyber crime can be reported to Action Fraud by calling 0300 123 2040 (Monday to Friday, 8am to 8pm), or by using their online reporting tool, which is available 24/7.
If it were me, I would also call the Police on 101 and get a crime reference number to quote at the DVLA.
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