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Car Finance Guarantor – Help?
hi All,
I wonder if someone could offer any advice. My sister purchased a car about 9 months ago and took out finance on it. She managed to persuade my mum to go guarantor on the payments (as she has a poor credit history). She bounced the first payment so the finance company called my mum and she immediately got the Direct Debit put through her bank account to ensure the money went out every month.
However, since then, my sister (who lives at home and is turning in to more of an adult brat by the day) has not met one payment and my mum has had to pay the finance every month (my mum pays everything on time and the thought of having a payment that she’s even partly responsible for being missed would fill her with horror). However, she has retained full use of the car despite not paying a penny for it.
Question is, is there anything my mum can do? Will the finance company let her sell the car? I’m not sure as my sister is the registered owner and keeper?
thanks
But as the car is registered with DVLA in my sister’s name, surely the car is legally hers and my mum can’t just take the keys? That’s what my sister keeps saying anyway.
Personally, I’d buy a clamp and put it on the wheels to stop her driving it until she starts paying up!
