we had a car in spain, we paid an initial deposit to a friend and took over the finance payments remaining, understanding at the end of the finance term, the car would have to be matriculated in spain if it were to remain, or be taken backto switzerland and sold. we paid the 24 months outstanding finance, and then our friend, who works in Switzerland but lives in Spain, was keen to help and drive the vehicle back to CH and put it for sale on a car site
After months of BS, he evntually admitted to some refinancing inpropritary and offered to pay us 25,000 euros over 3 months to settle the issue, as he wanted to avoid any trouble. He paid one small amount, He is now ignoring comms.
is there a registry i can search to find out what company is owed to report the issue. the friend works in finance in CH.
on initial purchase we received a written contract of sale, but registration could not be passed to us due to the o/s finance
any help or guidance would be gratefully received
Your “friend” doesn’t own the car, it is owned by the leasing company, so he couldn’t sell it to you in the first place. This looks like fraud to me, talk to the spanish police.
Hi,
Where is the car currently located? If I understand correctly, the car is still in Spain…
Hello and welcome.
Sorry, it’s a bit hard to understand the whole story. What I understood is that the car is being leased by bank X to person Y. At the end of the leasing, person Y takes the car to Switzerland to sell it. Instead a new leasing contract is signed between bank X and person Y.
Also, since you could not register the car to your name, I assume the car ID document has the note #178: change of vehicle holder prohibited, right?
First thing would be to be sure of the level of deception. Did you ever see the car ID document where the car was leased by person Y? It could have been a company car. Once people start defrauding, it’s a slippery slope.
Assuming the car war effectively leased and registered to person Y name, bank X has no liability to you. If there’s not a contract signed between the bank and you, you don’t exist at all.
Enough of bad news. If there is a signed contract of sale, a civil procedure to recover unpaid debt can be started. Office des pousuites in French, Betriebungsamt in German. https://www.betreibungsschalter.ch/fr/page-d-accueil/
However, I have absolutely no idea how residents of another country can start a debt collection procedure for a resident here.