Car finance issue

3k and both your problems disappear

If she can show that she bought it, then very little he can do. Gardai won't get involved.

Registration certificate is not proof of ownership

As I said, if the car is attached to finance he won't be able to sell it. A cartell report will tell you immediately https://www.cartell.ie/

The biggest player is First Auto Finance - part of Finance Ireland. They operate hire purchase and PCP for second hand cars.

If first auto finance is where the finance came from, there's a very good chance that it is attached to the car and selling it without setting up the finance would be fraud.

She might like to let the ex boyfriend know that 😃

Was just going to suggest this. There are so many ways of financing a car, either with or without the charge being registered on the car. I would agree, get the cartel report and send a copy to her boyfriend.

Just curious, who was paying back the loan. Was he paying back the loan and she just facilitated the transaction, or was she purchasing the car as well.

If he was paying and stops paying, then it will impact OP's finance history and may come against her in the future.

As other posters have said, the registration cert does not prove ownership. I suppose who was paying the loan. This would be more of a proof of ownership.

If she was paying for it, and he paid nothing, perhaps it could be viewed that he stole her car and wants to sell it.

The car can not be legally sold to anyone if finance still outstanding. Your daughter remains liable for the Debt and ownership is infact belongs to the finance company.

The ex may think he can sell it but any sensible purchaser will do a car history check and finance owing will show up, if someone is foolish enough to buy a vehicle without checking, the car coukd be repossessed by finance company and purchaser out of pocket.

I'd certainly get daughter to contact finance company immediately, see if car can be returned, discussed payment arrangement etc. For a cost of a solicitors letter I'd also be advising the ex be told in no uncertain terms, the vehicle to be returned to daughter, with log book and store car till a resolution found. It's currently a civil matter, Gardai may get involved if car sold fraudulently and a potential purchaser defrauded.

Just as an aside, whilst the word finance is being used, its not clear if its a personal loan or actual finance arrangement attached to a vehicle.

If its a personal loan, I'm afraid this further complicates matters as a personal loan may not infact be assigned to the vehicle in question in other words, a history check won't show finance outstanding and proof of ownership now becomes even more complicated given log book in ex"s name, whilst proof can be presented it now becomes a he said, she said dispute. In a sense it's actually better if finance assigned to the vehicle by way of finance agreement.