How can I buy a car?

[Singlelady]

Hi,

I’ll try and keep this short

I’m getting divorced and my ex has asked the judge for me to sign my car over to him for him to sell

I’m awaiting the judges decision and hoping then don’t agree. If they do, I’ll probably only get about seven days to hand the car over.

If I lose the car, I will also lose all of my NCD because I haven’t had Car Insurance in my name for the last two years and I’ve only had the car in my name a few months, only bought it a few months ago

I have no money until the house is sold, and I don’t know when that will be, so I have no deposit

I’m not well, and I’m on benefits so it’s unlikely I can borrow any money either

What can I do to buy another car if in the next week or two I’m court ordered to hand my car over to him.

I’m devastated and hoping this does not happen. He has been absolutely awful. I can’t even think straight I’m panicking so much.

I do, however need Plan B in case I lose my car because I will need to act quickly to replace it

TIA

[Collectingbrass]

Singlelady said:

Hi,

I’ll try and keep this short

I’m getting divorced and my ex has asked the judge for me to sign my car over to him for him to sell

I’m awaiting the judges decision and hoping then don’t agree. If they do, I’ll probably only get about seven days to hand the car over.

If I lose the car, I will also lose all of my NCD because I haven’t had Car Insurance in my name for the last two years and I’ve only had the car in my name a few months, only bought it a few months ago

I have no money until the house is sold, and I don’t know when that will be, so I have no deposit

I’m not well, and I’m on benefits so it’s unlikely I can borrow any money either

What can I do to buy another car if in the next week or two I’m court ordered to hand my car over to him.

I’m devastated and hoping this does not happen. He has been absolutely awful. I can’t even think straight I’m panicking so much.

I do, however need Plan B in case I lose my car because I will need to act quickly to replace it

TIA

Normally divorcing couples keep own their cars in the division of assets, even he paid for it. What else does he want, the clothes off your back because he "paid" for them too. If this is part of a financial settlment order both sides usually "ask high" and negotiate down, so it is probably just game playing. Contact a lawyer on Monday for a free 30 minute consultation to understand where you stand, and see whether you can get legal aid. Speak to Citizens Advice, and the Samaritans may have contact details for other services you can contact over the weekend. Also get hold of the UK version of Divorce for Dummies guide (https://amzn.eu/d/9Ofoww3) which will help as well. Judges will not leave you in a position where you are in real hardship and the other isn't.


While you may think plan B is get another car, Plan C is what is your "ask high". What would you need from him instead if you didn't have a car, how much cold hard cash? Work it out realistically but in such a way that it is in his financial interest to leave you with the car. Be ready to respond with that, as when you go to court (if you have an invite to a court hearing) you'll be expected to have done a final negotation before going infront of the judge. It's also highly unlikley that you will formally get to a judge, it costs thousands and thousands to do that and unless one of you has been really lying about your finances he will have to pay his own costs.

Then ask for his form E and supporting information, and at this point don't get mad, get even applies. Check that with a fine tooth comb and ask every question that it prompts.The more you ask the stronger your case and the more serious you look. If you already have it, do it now and make sure that what has been sent is what you expect; every bank statement, every wage slip, everything.

When I went through my divorce my ex wife's opening salvo landed on a Friday. If it had been what we finished up with I would have been bankrupt the minute it was sealed so it was a long dark weekend till I got to speak to someone on Monday. I know what you are going through, the night is darkest before the dawn but if he is playing this kind of game you will be much, much, better off without him in he long run.

[wibble cb]

Surely the value is established and added to the pot, then split as per the financial agreement, that’s what I had to do with ‘my’ car that my wife didn’t pay for or insure or maintain…., I didn’t sell it, but paid her half the value.

[Singlelady]

Collectingbrass said:

Normally divorcing couples keep own their cars in the division of assets, even he paid for it. What else does he want, the clothes off your back because he "paid" for them too. If this is part of a financial settlment order both sides usually "ask high" and negotiate down, so it is probably just game playing. Contact a lawyer on Monday for a free 30 minute consultation to understand where you stand, and see whether you can get legal aid. Speak to Citizens Advice, and the Samaritans may have contact details for other services you can contact over the weekend. Also get hold of the UK version of Divorce for Dummies guide (https://amzn.eu/d/9Ofoww3) which will help as well. Judges will not leave you in a position where you are in real hardship and the other isn't.


While you may think plan B is get another car, Plan C is what is your "ask high". What would you need from him instead if you didn't have a car, how much cold hard cash? Work it out realistically but in such a way that it is in his financial interest to leave you with the car. Be ready to respond with that, as when you go to court (if you have an invite to a court hearing) you'll be expected to have done a final negotation before going infront of the judge. It's also highly unlikley that you will formally get to a judge, it costs thousands and thousands to do that and unless one of you has been really lying about your finances he will have to pay his own costs.

Then ask for his form E and supporting information, and at this point don't get mad, get even applies. Check that with a fine tooth comb and ask every question that it prompts.The more you ask the stronger your case and the more serious you look. If you already have it, do it now and make sure that what has been sent is what you expect; every bank statement, every wage slip, everything.

When I went through my divorce my ex wife's opening salvo landed on a Friday. If it had been what we finished up with I would have been bankrupt the minute it was sealed so it was a long dark weekend till I got to speak to someone on Monday. I know what you are going through, the night is darkest before the dawn but if he is playing this kind of game you will be much, much, better off without him in he long run.

Unfortunately, this was what he asked for at the final hearing
The judge is currently looking over everything to make their decision
He asked for a 50-50 split, my car for him to sell for him to keep the money and for me to pay his costs @ 25k
All because I spent our joint money on my care needs. I have a disability and was over the threshold, now I have Council funded care
If she lets him have my car, I won’t be able to buy one either now or after the settlement because what I will get will be barely enough for me to buy somewhere to live. I have no mortgage borrowing capacity he’s on six figure salary and I am on a 10th of what he has coming in on benefits.
Absolutely horrendous, but he’s managed to manipulate everything and he’s been winning all along. This divorce has been going on a number of years and I don’t feel like I’m going to get lucky here
So everything you’re saying above has been done, we’re already at the final hurdle. Pretty much yes, he wants to close off my back. Dreadful despicable thing that he is. After 25yrs too
Oh, and he sold his 100 K sports car at a loss as well. Go figure.. what a mess.
He’s just coming after me, basically for everything I have. Narc, wants me to have nothing.
I don’t think there is a Plan B for me to be able to get a car

Edited by Singlelady on Tuesday 29th October 20:47

[Singlelady]

wibble cb said:

Surely the value is established and added to the pot, then split as per the financial agreement, that’s what I had to do with ‘my’ car that my wife didn’t pay for or insure or maintain…., I didn’t sell it, but paid her half the value.

Unfortunately, this was what he asked for at the final hearing
The judge is currently looking over everything to make their decision
He asked for a 50-50 split, my car for him to sell for him to keep the money and for me to pay his costs @ 25k
All because I spent our joint money on my care needs. I have a disability and was over the threshold, now I have Council funded care
If she lets him have my car, I won’t be able to buy one either now or after the settlement because what I will get will be barely enough for me to buy somewhere to live. I have no mortgage borrowing capacity he’s on six figure salary and I am on a 10th of what he has coming in on benefits.
Absolutely horrendous, but he’s managed to manipulate everything and he’s been winning all along. This divorce has been going on a number of years and I don’t feel like I’m going to get lucky here
So everything you’re saying above has been done, we’re already at the final hurdle. Pretty much yes, he wants to close off my back. Dreadful despicable thing that he is. After 25yrs too
And he sold his 100 K sports car at a loss, go figure. WhatsApps a mess
I don’t think there is a Plan B for me to be able to get a car

[davek_964]

No offence, but if your past posts are accurate you bought a brand new MX5 about 6 months ago.
That seems odd if the divorce 'has been going on for years' and you have very low income yourself.

I'm sure the judge will take lots of things into account and after 25 years will be looking at the overall assets and income.
But if he paid for the car, I'm not surprised he wants his money back.

[Sheepshanks]

Obviously don't answer this if you don't want to, but if you're disabled to the extent that you have care needs can you get the mobility allowance that entitles you to a Motability car?

Doubt ypu'd be able to have an MX-5 though.

[C4ME]

OP married 25 years, husband is on a 6 figure salary, OP not earning, etc. With that length of marriage, the divorce will first look to spilt the assets 50/50. Then it will look at the ages of both parties plus the disparate earnings going forward and make an additional award, one way or the other, to allow financial adjustment for each party going forward over a number of years. In addition, pensions will be looked at and awards made around that. If there is a major asset involved that will take time to sell then a timeline and interim financial arrangements will be agreed. The judge will take all of this into account. Although both sides may be emotionally attached to certain possessions, they are not exclusively yours in a marriage (whom ever paid for them) and the judge will be fair. They are there to ensure one side does not force the other into an unfair settlement.

[Magicmushroom666]

A car is pretty expensive thing to own and run, especially if you pick something cheap its likely to have bigger bills. Are you sure you actually need one if you have no money, on benefits etc.

[Singlelady]

davek_964 said:

No offence, but if your past posts are accurate you bought a brand new MX5 about 6 months ago.
That seems odd if the divorce 'has been going on for years' and you have very low income yourself.

I'm sure the judge will take lots of things into account and after 25 years will be looking at the overall assets and income.
But if he paid for the car, I'm not surprised he wants his money back.

I did buy a brand-new MX5 about six months ago
Divorce has been going on for two years
I bought it outright with savings
He took an amount out of savings and bought a 97K sports car. I took the same amount out of savings and bought the MX5.
We had an agreement which he has now thrown out of the window and he’s going for everything I’ve got
I’m hoping the judge will not allow him to take my car off me. But things aren’t looking very good for me.
He didn’t pay for the car. It was paid for from joint savings with the same amount of money that he had.

[Singlelady]

Sheepshanks said:

Obviously don't answer this if you don't want to, but if you're disabled to the extent that you have care needs can you get the mobility allowance that entitles you to a Motability car?

Doubt ypu'd be able to have an MX-5 though.

I don’t get the mobility element so can’t use my benefits to buy a Motability car

[Singlelady]

C4ME said:

OP married 25 years, husband is on a 6 figure salary, OP not earning, etc. With that length of marriage, the divorce will first look to spilt the assets 50/50. Then it will look at the ages of both parties plus the disparate earnings going forward and make an additional award, one way or the other, to allow financial adjustment for each party going forward over a number of years. In addition, pensions will be looked at and awards made around that. If there is a major asset involved that will take time to sell then a timeline and interim financial arrangements will be agreed. The judge will take all of this into account. Although both sides may be emotionally attached to certain possessions, they are not exclusively yours in a marriage (whom ever paid for them) and the judge will be fair. They are there to ensure one side does not force the other into an unfair settlement.

Unfortunately, this was what he asked for at the final hearing
The judge is currently looking over everything to make their decision
He asked for a 50-50 split, my car for him to sell for him to keep the money and for me to pay his costs @ 25k
All because I spent our joint money on my care needs. I have a disability and was over the threshold, now I have Council funded care
If she lets him have my car, I won’t be able to buy one either now or after the settlement because what I will get will be barely enough for me to buy somewhere to live. I have no mortgage borrowing capacity he’s on six figure salary and I am on a 10th of what he has coming in on benefits.
Absolutely horrendous, but he’s managed to manipulate everything and he’s been winning all along. This divorce has been going on a number of years and I don’t feel like I’m going to get lucky here
So everything you’re saying above has been done, we’re already at the final hurdle. Pretty much yes, he wants to close off my back. Dreadful despicable thing that he is. After 25yrs too
Oh, and he sold his 100 K sports car at a loss as well. Go figure.. what a mess.
He’s just coming after me, basically for everything I have. Narc, wants me to have nothing.
I don’t think there is a Plan B for me to be able to get a car


This was my answer to someone above. It will give you the gist of things.
He used the same amount of our joint savings as I did towards the car. He bought £100,000 sports car I bought an MX5.
Long complicated story, but he’s going after everything

I didn’t really want advice on my divorce or the settlement. I wanted to know what I could do if the judge allows him to take my car because I’ll probably not get long to sort it out. I would imagine the judge would make me hand the car over within say seven days.
I’ll lose my no claims discount
I will need to work on Plan B immediately and I’m trying to work out what that is and if it’s even possible
I have no deposit
I’m thinking, put a small deposit on my credit card and get a 10 year bank loan
I can’t think of anything else

[Singlelady]

I appreciate everyone’s advice on my divorce, but we’re already beyond the final hearing stage and waiting for the outcome so there is nothing I can do about any of that at this point

I really just need advice on how I can buy a car if the worst comes to the worst and the judge orders me to handover my car

The only thing I can think of is put a small deposit on my credit card and get a 10 year bank loan
Anything else is just looking too expensive

Unless anyone can think of any other options or suggestions?

[davek_964]

Singlelady said:

I’ll lose my no claims discount

You've said this a few times, but it's not accurate. You can have 2 years without a car before losing your discount. You absolutely will not lose it the instant the car is sold if that is what happens.

It's also a little difficult for people to advise on the best way of buying a replacement car when even you don't know what the judgement will be yet, so even you don't know for sure what your financial situation will be.

Edited by davek_964 on Thursday 31st October 07:15

[Singlelady]

davek_964 said:

You've said this a few times, but it's not accurate. You can have 2 years without a car before losing your discount. You absolutely will not lose it the instant the car is sold if that is what happens.

It's also a little difficult for people to advise on the best way of buying a replacement car when even you don't know what the judgement will be yet, so even you don't know for sure what your financial situation will be.

Edited by davek_964 on Thursday 31st October 07:15

I didn’t have Car Insurance in my name for two years before March. If I lose the car, I won’t have 12 months no claims so I will lose my no claims.

It doesn’t matter about the financial settlement. I already know that won’t be enough money to buy a car and the only money is coming from the house which hasn’t sold yet, so I won’t have any money for maybe six months or more.

I’m trying to work out how to buy a car potentially now in the dire situation I find myself in where I have no deposit
The option I have mentioned above is the only thing I can think of

[davek_964]

Right.
So you don't actually have any No Claims at the moment, and by "lose it" you mean that you will not have the ability to maintain continuous insurance for a full year and hence earn your first year of No Claims.

[CG2020UK]

I would question do you actually need a car or is it a want.

If you have no money you certainly shouldn’t be taking on more debt.

If your income is low I doubt you will have access to financial products such as bank loans.

Unfortunately/fortunately your life has now changed due to divorce and it might be worth coming to terms with the fact your life is now going to change. The standard of living you have been use to simply won’t be the same.

[66HFM]

You don't need a new or newish car, if you look hard enough you can pick some quite good cars up for under £2k, it may be different to what you currently have but its about cutting your cloth accordingly.

[skyebear]

Sounds like you have far bigger issues to deal with in the divorce than picking up a replacement car. Ultimately you just pick one that meets your needs and budget.

Do you have a solicitor and if so what are they advising you?

Have you and your husband submitted financial reports to the court detailing your assets and liabilities?

This 100k car your husband sold at a loss - can you expand on this? Or ask your solicitor for their advice. It could amount to sod all or a court may be persuaded they are disposing of assets which strengthens your position.

[Singlelady]

davek_964 said:

Right.
So you don't actually have any No Claims at the moment, and by "lose it" you mean that you will not have the ability to maintain continuous insurance for a full year and hence earn your first year of No Claims.

I have about 15 years now claims
I rang my Car Insurance and they said if I have to cancel my insurance, obviously won’t count because it’s not a full year but I will be able to keep the 15 years I have and I will have two years from the day I cancel to get Car Insurance so that’s something

Now my only problem is if he gets my car, how will I afford another?