Who owns this car? Ways to find the registered keeper details of UK registered cars.
Who owns this car? Ways to find the registered keeper details of UK registered cars.
Do you need to know who owns a car when you are not the owner of the car, any member of the public who has reasonable cause to find out the name and address of a current registered keeper or the previous registered keeper can write to the DVLA with their reason for wanting to be told the registered keeper details.
Maybe there is an abandoned car outside your house or on your property and you want to contact them to tell them their car has been abandoned, maybe it was stolen and you think the owner does not know where his car is or maybe you witnessed someone damaging a car and want to tell them what happened, these reasons are all valid reasons to write to the DVLA in Swansea and request to be provided with the registered keepers details.
You might have owned a car years ago and want to find out who the current owner is for sentimental reasons, maybe it was the car that you drove to your wedding in or maybe the car that your son or daughter was born in on the way to the hospital, whatever the reason you can write to the DVLA and they will be the final arbitrators of whether your reason for wanting to know the current or previous registered owner is a good one.
A bad reason to contact the DVLA and ask for the registered owners details would be because you want to continue an argument with another driver or otherwise seek revenge of someoneís bad driving, if the mater if for the police then report it to the police and donít try and act like a vigilante.
If you want to know what are considered public details about a car like colour, make, model, road tax expiry date, insurance expiry date, engine size, road tax class (how much you have to pay), fuel type (petrol, diesel, electric or hydrogen gas) then you can use the DVLAís online services for free, these details are considered public because if you saw the car in the street you would be able to note down the car number plate, colour, make, model etc of the vehicle so there is no reason for the DVLA not to make these details publicly available.
It used to be that the DVLA would only give out registered keepers names and address to car clamping companies so that they could issue fines, but these days any reasonable cause will be considered, you canít really consider a registered keepers details private anymore, the argument is that if you saw a car parked on a drive or outside someoneís house you could reasonably assume the registered keepers address given their car number plate, so why not make these details public.
Whilst details about the car like make, model and colour are public and all you need to do is enter the cars number plate into the online form details about the current registered keeper or previous registered keeper are kept private and you will need to write to the DVLA and ask for these details to be made available to you.
Use the DVLA public information about the car to check the number plate of any car and see if it has insurance and road tax and the colour, make and model, then when you go to view a car make sure that the make and model match the car that your looking at, for example if the car your viewing is red and the DVLA says the car is white then there is a strong possibility that a fraud is trying to be committed and you should not buy the car.
The other check that you might want to do before you buy a car is an HPI check (Hire Purchase Investigation), whilst HPI was the first company to offer such vehicle checks now many companies do including both the AA and RAC, these HPI checks and HPI equivalent checks typically cost £10 or cheaper, anyone can pay to have an HPI check against any vehicle, you donít have to have reasonable cause.
An HPI check or equivalent check will tell the person paying for the check if the car has ever been written off by an insurance company, this is important to know because if you are buying a car then you want to make sure that the car has not been written off and then badly repaired and the seller is now trying to offload a damaged and potentially dangerous car, a car that has been written off and repaired by a reputable garage may be perfectly safe and the car put back on the road, but it will never have the resale value as a similar car that was not involved in an accident and it may be difficult to insure the car even if it has been fully repaired.
An HPI or equivalent vehicle check will also tell the person buying the check if there is any finance on the car, this is important to know because if you are thinking of buying a car then you cannot legally buy a car that has finance on it because it can only be sold by the owner and thatís the finance company, if someone rents a car and tries to sell it to you or has a car lease and tries to sell the car to you or has purchased the car and is making monthly loan repayments and tries to sell you the car or has a loan against the car and tries to sell you the car, these are all cases where the person selling you the car is not the owner, this is fraud and if you buy the car from a fraudulent seller you have not actually purchased the car and the car still belongs to the finance company.
So if you bought the car from a fraudulent seller you have paid for the car but the finance company still own the car and you are legally not entitled to that car, you would have to buy the car from the finance company assuming the finance company want to sell you the car and they might not because it is after all their car, all this can be avoided with a HPI car check that costs under £10.
If your viewing a car to buy, then ask to see the logbook what the DVLA call form V5C, this will show the registered keepers name and address, make sure that the address where you are viewing the car is the registered keepers address if not ask why not, and even if you are being sold the car outside the correct address make sure the seller enters the house and has access to the house, if they have no access to the house outside which they are showing you the car then maybe its because they are not the registered keeper and just pretending to be the registered keeper.
Demand to see the logbook from the seller and demand to see identification from the seller with a name and address that matches the name and address of the registered keeper, ask to see the passport of driving licence of the seller so you can match the name in the passport or driving licence with the face of the person selling you the car, all this makes sure that the person selling you the car is the registered keeper of the car and entitled to sell the car to you.
If a seller wants to sell you a car without the logbook (V5C form) then donít buy the car because you wonít be able to tax the car without filling in form V62 from the DVLA and waiting up to 8 weeks (one and half months) for the DVLA to investigate and decide if you are the registered keeper and post you a new logbook, the DVLA might refuse and then you would have a car that you cannot register and cannot get road tax for and therefore cannot drive.
If the seller says they have lost the logbook or need to get the details in the logbook changed, they can do all this before they sell the car to you, a replacement logbook can be used with a simple call to the DVLA, payment with a credit or debit card of the £25 fee and your have a reprint of the logbook within 7 days, if you need to change the registered keepers name (because you have changed your own name) or you have moved house you can do this by posting back the tear off section of the V5C form, the DVLA will then send you a new logbook free of charge.
If you need to borrow money and own your own car you can do this with a logbook loan, a logbook loan will show up on a HPI check but wonít show up on a credit check usually, with a logbook loan you can release the money that you have paid for your car, you take a loan out for the value of your car and the lender gives you the money that your car is worth, itís the best of both worlds, you get to keep driving your car and you get a loan for what the car is worth.
Unlike a pawnbroker loan where to borrow money you must give the pawnbroker your valuables as security against the loan, with a logbook loan you get to keep driving your car and using your car just like you did before you got the loan, logbook loans are secured loans this mans that the amount you have borrowed is guaranteed against your car ownership in the same way that with a mortgage the amount that you are borrowing is guaranteed against your home ownership.
If you have bad credit its hard to borrow money because every time a personal loan lender run a credit check and find your poor credit history they will refuse you the loan, with a secured loan the lender is lending you the money knowing that the loan will be repaid, either the borrower repays the loan over the months or years of the loan term or the car is repossessed and sold at auction to recoup the money that the lender has given the borrower, this means that logbook loan lender Ďcannot loseí and will therefore offer you a lower interest rate (cheaper loan) because the loan is lower risk to the lender (the lender will get their money back).
Its easy to apply for a logbook loan, on the logbook lenders website you enter the number plate of your car and your cars details are retrieved from various motor and finance databases, a loan quotation is then presented on screen and if the loan term (how long you want to borrow the money) and loan amount (how much money you are given) is suitable you can go ahead and make the loan application online and have the money transferred into your bank account the same day.
Your need to make sure that it is your name and address that are listed on your logbook before the logbook lender will lend you money, if the car is not in your name but in the name of someone else or a car finance company you will not be given the loan, you will also not be given the loan if the HPI check shows that the car has been written off buy an insurance company, because once written off even if the car is subsequently repaired it will not be worth the same value as a car that had not been written off and repaired and so if the logbook lender where to repossesses your car and sell it a written off car would not be enough money to clear the loan.