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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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Can a finance company report my car stolen in the uk?

Hi Edwin, if i get a car on finance and don't make any payments can a car finance company report the car stolen or not? I'm having a few disputes at the moment with my current car finance company and they are threatening me.

Posted by Asif Patel on


Hi Asif, i hope i can help you out on this one. If you haven't made any payments whatsoever on the vehicle then the finance company will be able to report your vehicle stolen as they have advanced the funds to the dealer for the vehicle and you've no intention of paying for the goods. If you have made a few monthly payments and there's an ongoing dispute then i suggest you take legal advice to look at the lenders rights etc. I do know that until you've paid every monthly payment the finance company still own the vehicle and they reserve the right to reclaim the vehicle unless you make your monthly payments on time. This might not be what you'd like to hear but i suggest to try and settle your differences with the finance company asap. Kind Regards, Edwin

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