Can my car insurance company force me to have ex-boyfriend on my policy?
My boyfriend who was between moving from his parents house to his apartment stayed with me for a couple of weeks. He borrowed my car to get to work once and totaled it. He became my ex-boyfriend shortly after. My insurance covered everything, but added him to the policy because he "lives with me". He never did and currently does not!! His license was suspended the day after the accident, so he's not even a licensed driver anymore. I have to pay $608/month to have him on my insurance...if they take him off, it goes back down to $120/month! They said if I send a utility bill in his name to prove he doesn't live with me, they will take him off, but all of the bills are in his roommates name :(. She's let me look through the mail to find letters I could use, but the only mail he gets is from the insurance company and they won't accept their own letters :(. I am going to lose my job, my home, and my new car if I have to continue to pay this amount! I all ready still owe half of last month's on my only credit card and once it is drafted this month, I will be over my credit limit :(. I have always had perfect credit... And I have a perfect driving record! Please advise :(. Thank you so much for your help!
Ex boyfriend stole my car?
They would only tell you it's a civil case if your ex-boyfriend has something showing that you did, indeed, sell him the car, or only put it in your name to help him out. Nonetheless, if the title is in your name, go get your car. If you can't get the key, have it towed home. Any tow company will tow it if you can show a title in your name only, and the police will back you up if it comes to that.
My car is in my boyfriend’s name and I want to break up, what should I do?
the main question back to you is “why is it in his name?” followed up by “have you been paying for it?”Question 1 determines how it all started. 1.Did he buy originally for himself, 2. own it before you were together and you use it? 3. or, Did he buy it for you outright, title it under his name and give you the keys?Question 2, are you paying for it? if the answer above is either 1 or 2 and you essentially “took over” the payments and insurance, then the right thing to do is negotiate to purchase the car from him taking into account what you’ve paid. If you have not been paying, then it’s his car you’ve been using and you need to buy it from him. If the answer is 3, then it’s his car and you have no claim to it. If you were married getting a divorce then you would have a claim on any of his property up to the limits of your local laws. Because you are not, whatever is in his name is his, and yours is yours.Since you are about to break the guy’s heart… the upfront, above board and loving thing to do would be to plan on getting your own car under your own name, break up with him and ask him what he would like to do about it. If he wants to sell it to you or just transfer it over, then fine… if not then walk away. Don’t do anything sneaky or underhanded to get him to hand it over before the breakup.
My boyfriend wants me to buy a car in my name since I have better credit & he will use the car & pay me monthly. What are the cons to this?
What are the PROs to this? If you want to make a joint commitment to each other, pool your resources and share responsibilities, it’s called MARRIAGE. You know this guy better than I do, but we both know he has lousy credit. How come he does and you don’t? Obviously we are looking at two different senses of responsibility. Can YOU make the payments on the months when he “forgets” to give you the money? For how long? And if you’re paying for a car, wouldn’t you like to drive it? Or at least know exactly where it is when you’re not?He wants you to commit your credit to a loan, buy a car and hand him the keys. He will then use or abuse the car as he sees fit. There are people in prison as you read this that are there simply because they let someone use their car. That friend went out and committed a felony. In many states you do not have to be present at a crime to be convicted of aiding and abetting or as an accessory to a crime. This means you get the same punishment. Your friend kills someone, you may be looking at life. IT HAS HAPPENED. IF IT’S IN YOUR NAME IT’S YOUR CAR!Less severe example: your boyfriend uses your car to go score or worse, sell, some drugs. He gets caught. Ever hear of civil asset forfeiture? Your car was used in a criminal act. It’s not your car anymore! It’s next stop is the police auction. You have no rights. The police do not have to prove you knew about the crime; they don’t even have to charge you. YOU have to PROVE you knew nothing. It’s hard to do when the car is in your name.Lastly,and this is a big deal, this deal puts you in an unfavorable position relationship-wise. Let’s suppose the relationship sours, or worse, becomes abusive. You’d like to end it but now you have to get the car back. He sure as hell won’t be paying for it. With luck you can get the car without having to go to court, and he won’t trash the car out of spite. Or will you avoid conflict and stay in a bad relationship because the complications deter you from doing what you know you should?Not just no. HELL NO.
I accidentally hit my ex boyfriend car, i have insurance but his is lapsed. HELP!!?
I'm not too sure about what your ex BF is doing....hopefully the adjuster will notice the paint chipping. However, bottom line here is that you hit him. Doesn't matter where he parked, you as a driver have the responsibility to look behind you and around you when backing. You're lucky that you just hit his car and not some kid on a bike or something. You were ticketed and ruled at fault in the accident. You need to submit a claim through your insurance to pay for the damages to his vehicle. If you really believe your neighbor, mention what was seen when submitting the claim. As far as the policy on the vehicle that he is driving, it would be the owner of the vehicle that should have been cited for no insurance had the officer known that. So, anyhow, your ex BF would not receive a ticket for no insurance since he's not the owner of the car. Since you hit him and you were liable for the accident. Your insurance company will surcharge you for that accident unless you have a policy that offers accident forgiveness. If you don't, I'd consider getting a quote for one if increasing premiums from accidents is something you don't want in the future.
Ex-Boyfriend co-signed on my auto loan with me and now wants to be off the loan?
>now he is threatening to take my car It isn't "your" car you are only a co-owner the fact your name is on the registration doesn't confer ownership neither does proof you made all the payments only the title confers ownership. In most states it totally depends on how the title of ownership is worded if it says "You AND Him" then it requires both of your signatures to transfer the title. If it says, " You OR Him" then either of you could transfer the title without the others signature if your title uses the OR modifier then he can sell the car to pay off the loan without any input from you. >Also, what would a judge most likely say in this case? It would totally depend on your jurisdiction and possibly how the title is worded it could be anything from "Sell the car to pay off the loan" to "Sorry Mr. Huckensmuck the bank refuses to release you from the loan" For what it is worth, generally banks refuse to release a co-signer and courts refuse to break the loan contract BUT in some circumstances he can just sell "his" car out from under you to satisfy the loan and get on with his life.
My son financed a car with his girlfriend. He is the primary and she is the co-signer. Can he legally take back the car from her?
As far as I understand it, the co signer is the one who allowed the transaction to take place, this would make sense to me that the co signer should be more of an owner than the person trying to build credit. However since this feature was built with two responsible individuals in mind one helping another build credit we can't really choose sides as to who owns more of the car. The reason is becuse if you are already wanting to choose sides then your son and his lady should not have entered into this agreement.Even though there is a realationship here, the financial part should still be kept very professional meaning he needs to pay for his car. Just because there is a co owner doesn't mean he can skip this months payment if he wants.Never take advantage of co-signers.
Ex-roommate stole my reg. papers out of my car and forged the bill of sale and took out loan on my car?
Your ex-roomate has committed criminal acts from your description. Definately forgery and fraud. He may even have committed identity theft. First protect youreslf contact credit report problems.com by calling 1-800-FAIR CREDIT (1-800-324-7273) to put a fraud alert on your record. Next contact an attorney or lawyer and take their advice on whether criminal and civil is the better way to go.