Query with picking up car for daughter
Discussion
Strange one this. My daughter had her car wrote off and put a deposit down on a 20 plate polo. The car is 150 miles away so I said I’d pick because she can’t get off work. The garage has said that because she has paid the deposit and the money will come out of her account I can’t pick it up due to fraud legislation. I’ve now given them the deposit out of my account and with pay the rest from my account but they say the car will have to be registered in my name. I can transfer it over to her but will add a keeper to the list. Does this sound right?
coupebill said:
Strange one this. My daughter had her car wrote off and put a deposit down on a 20 plate polo. The car is 150 miles away so I said I’d pick because she can’t get off work. The garage has said that because she has paid the deposit and the money will come out of her account I can’t pick it up due to fraud legislation. I’ve now given them the deposit out of my account and with pay the rest from my account but they say the car will have to be registered in my name. I can transfer it over to her but will add a keeper to the list. Does this sound right?
No it sounds far from right. I could vaguely understand the need to prove who are you when you pick it up but that can’t be too difficult.
Adding an owner to the V5 and indeed paying for it just sounds plain odd.
To be quite honest it would be easier all round for your daughter to pay the whole thing , register the car in her name and arrange ID agreement for yourself when you turn up to drive home.
coupebill said:
Strange one this. My daughter had her car wrote off and put a deposit down on a 20 plate polo. The car is 150 miles away so I said I’d pick because she can’t get off work. The garage has said that because she has paid the deposit and the money will come out of her account I can’t pick it up due to fraud legislation. I’ve now given them the deposit out of my account and with pay the rest from my account but they say the car will have to be registered in my name. I can transfer it over to her but will add a keeper to the list. Does this sound right?
Can she not just email across a signed consent form for you to collect ?zetec said:
Maybe the car is a lemon and they have pulled the wool over your daughters eyes. Having the car picked up by her more knowledgeable Dad could unravel this?
In which case surely better to get the dealer to deliver so she has cover under distance selling regulations assuming she hasn't been to see the car already. zetec said:
Maybe the car is a lemon and they have pulled the wool over your daughters eyes. Having the car picked up by her more knowledgeable Dad could unravel this?
This sounds right. Why would a dealer care who collects the car if they've been paid in full and the person paying has said that xyz will collect it ? Unless it's an attempt to circumvent the consumer protection distance selling regulation ? In which case it sounds even more dodgy.
This is just tosh, they are making rules for themselves but there is no legal reason.
My daughter recently bought a new car, all the money came out of my account, but registered to her and collected by her.
Paying, registering and collecting are in no way linked.
Tell them deals off and to return the deposit and watch them flannel.
My daughter recently bought a new car, all the money came out of my account, but registered to her and collected by her.
Paying, registering and collecting are in no way linked.
Tell them deals off and to return the deposit and watch them flannel.
I think the garage may have confused several things which is why they got it wrong.
First, where they are right is that Motor Dealers are considered “high value” dealers so are subject to Anti Money Laundering legislation. So what is true is that you shouldn’t be able to pay for a car that is then recorded as belonging to your daughter. It would be a way of moving money around hidden from the banking system.
However, as I understand it the V5 is not the document that says who a car legally belongs to but the Sales Invoice. The V5 as I understand it just records who is the registered keeper, ie gets the speeding fines. So they could perfectly legally have filled out a Sales Invoice in your name and then registered the car to your daughter.
More sensible would have been, as many have already said, to just let your daughter pay for the car, with her name on the Sales Invoice and V5, and just arrange for you to collect it. Glad they seem to have now accepted that!
Just to add, in this case there is no AML issue, but there is a Fraud risk, namely either that you don’t have your daughter’s permission or that you do but someone else turns up for the car claiming to be you. Most of this risk would come from arranging it over email. If theyw ere worried your daughter could phone and give them your passport number, so you could turn up with it in hand and prove who you were too…
First, where they are right is that Motor Dealers are considered “high value” dealers so are subject to Anti Money Laundering legislation. So what is true is that you shouldn’t be able to pay for a car that is then recorded as belonging to your daughter. It would be a way of moving money around hidden from the banking system.
However, as I understand it the V5 is not the document that says who a car legally belongs to but the Sales Invoice. The V5 as I understand it just records who is the registered keeper, ie gets the speeding fines. So they could perfectly legally have filled out a Sales Invoice in your name and then registered the car to your daughter.
More sensible would have been, as many have already said, to just let your daughter pay for the car, with her name on the Sales Invoice and V5, and just arrange for you to collect it. Glad they seem to have now accepted that!
Just to add, in this case there is no AML issue, but there is a Fraud risk, namely either that you don’t have your daughter’s permission or that you do but someone else turns up for the car claiming to be you. Most of this risk would come from arranging it over email. If theyw ere worried your daughter could phone and give them your passport number, so you could turn up with it in hand and prove who you were too…
67Dino said:
I think the garage may have confused several things which is why they got it wrong.
First, where they are right is that Motor Dealers are considered “high value” dealers so are subject to Anti Money Laundering legislation. So what is true is that you shouldn’t be able to pay for a car that is then recorded as belonging to your daughter.
What bFirst, where they are right is that Motor Dealers are considered “high value” dealers so are subject to Anti Money Laundering legislation. So what is true is that you shouldn’t be able to pay for a car that is then recorded as belonging to your daughter.
ks is that? I bought both Little QQ1 and Little QQ2 an MX-5 for their 21st birthdays. I paid for the cars, V5 in their names and the cars belonged to them, not me or Mrs QQ. They were presents after all. We collected one car together on the day of the birthday (2019), the other was delivered ahead of time and hidden in a garage till the day it was given (2021). Nobody asked any AML questions. QuickQuack said:
67Dino said:
I think the garage may have confused several things which is why they got it wrong.
First, where they are right is that Motor Dealers are considered “high value” dealers so are subject to Anti Money Laundering legislation. So what is true is that you shouldn’t be able to pay for a car that is then recorded as belonging to your daughter.
What bFirst, where they are right is that Motor Dealers are considered “high value” dealers so are subject to Anti Money Laundering legislation. So what is true is that you shouldn’t be able to pay for a car that is then recorded as belonging to your daughter.
ks is that? I bought both Little QQ1 and Little QQ2 an MX-5 for their 21st birthdays. I paid for the cars, V5 in their names and the cars belonged to them, not me or Mrs QQ. They were presents after all. We collected one car together on the day of the birthday (2019), the other was delivered ahead of time and hidden in a garage till the day it was given (2021). Nobody asked any AML questions. The Government website says: “A high value dealer under money laundering regulations is any business or sole trader that accepts or makes high value cash payments of 10,000 euros or more (or equivalent in any currency) in exchange for goods.”
However, my guess is the garage made out the Sales Invoice in your name, which satisfies AML since when you paid you then owned the cars. You said you were gifting them to your daughters, so the garage was perfectly right to fill them out as the keepers on the V5.
However, this didn’t actually transfer ownership of the cars to them, the gifting did. So if you ever change your mind and want the cars back your daughters might actually have a job to prove you did give them the cars.
Edited by 67Dino on Tuesday 23 July 20:25
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