First Time Buyers

[PlanB]

Re: First Time Buyers

Its just purely the fact he keeps telling me he wants the car payments to be in my name, so im just doing as he says and it makes my life easier as I dont have to answer to him any longer

[l8onjones]

Re: First Time Buyers

haha this is true but since kicking me out the only thing he has cared about is the car so just want to keep him happy

[Never-In-Doubt]

Re: First Time Buyers

Yeah ill explain that too them, is it worth a covering letter with the app?

no they'll record the call. You'll be fine mate.

[PlanB]

Re: First Time Buyers

but since kicking me out the only thing he has cared about is the car

So that's what this is all about.

You and I both know this has absolutely nothing whatsoever to do with car finance and everything to do with father/son stuff and control issues.

Do what my daughter does best which is 'fake it'. Do whatever it takes to keep him happy.

[l8onjones]

Re: First Time Buyers

Yeah thats why I want to get it sorted so there will be no father son issues then so wanted to clarify the right chain of events, I seem to remember my aunty copying the papework from the last app, so ill ask for the copies and let you guys know what it entails etc

[SA Gold]

Re: First Time Buyers

Hope you manage to sort this out. moving eh - stressful times!

[l8onjones]

Re: First Time Buyers

Ive been in touch with the solicitor today and from the sounds of it the 2 week window I would have had for the car is rapidly dissapearing so dont suppose anyone has any advice for the chain of events of the mortgage and getting the car to my name?

[Never-In-Doubt]

Re: First Time Buyers

As per my email sod the car (for the last time)!! Get the mortgage. Deal with the car afterwards.

[Never-In-Doubt]

Re: First Time Buyers

Or call GMAC and sort the car. It's your decision. You'd think the house mattered more but for some odd reason this bloody car does

[l8onjones]

Re: First Time Buyers

The house does matter more haha, its just the case of the earache id be getting from my dad if anything were to not work with the car would be unbelievable I just thought if I could time the app while im still here all my credit history will help back it up?

[Sapphire]

Re: First Time Buyers

Unless you desperately need the car for say getting to and from work, the very best thing you can do is leave it till after you have moved in, tell your dad that you will sort the car once your settled.

I know I've asked before if your repayments for the car to your dad are up to date, but just a thought, are you completely sure he's made the payments on time to the finance company ?

It could be something like this that is stressing him out, and if he's got other debts and he's a homeowner he may be considering or indeed trying to get a loan on the house to consolidate all his payments, so seriously sit back and try to think how your dad is feeling too, many of us parents/step parents put ourselves in financial mire to help our kids out and then the kids see a loan as a gift and don't bother paying it back, I'm not saying that's you, but it could be how your dad feels.

[l8onjones]

Re: First Time Buyers

I have sat back and thought of him believe me but our relationship has been fractorous since mum passing away, being kicked out of home etc, so he is the one constantly pushing for the car to be change so im only trying to do it to help him, but he has said all along he would not be happy for me to take the car out of the area whilst its in his name, so i dread to think how he'd react if i told him i had a mortgage before dealing with the car.

I dont mind waiting to do it but I dont want it to effect to effect him plus I dont know how it would look on the credit report with the mortgage etc for the finance company

[Sapphire]

Re: First Time Buyers

Sounds to me like he's still grieving, so lets not bother him any further. Ok, so what you do now is, tell him your moving and that once your in you will change the car details over, do not tell him about the mortgage if you don't want to.

Can you survive without the car for a couple of weeks ?

[l8onjones]

Re: First Time Buyers

he isnt grieving him and mum had been seperate years before but anyway more to the point I have the car but im worried that when I do apply the lack of credit history at the new address will affect it?

[Sapphire]

Re: First Time Buyers

Ahhhhhh now you are explaining yourself more fully, you are worried the lack of credit history at that address ? or have you personally got a lack of credit history ?

I'm not au fait with this part of things, but of course I will stick around and support you, I'm sure that someone with more knowledge on credit history will pop along soon and put us both right.