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daisy duck
Junior Member
United Kingdom
201 Posts |
 Posted - 11 August 2009 : 13:33:41
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Hi. I own my own car worth about £1400 and is in my name and my wife who is going bankrupt also owns a car which is in her name worth about £4000.
I use my car for going to and from work and as I am a postman there is no public transport from where I live at 5.00 in a morning so I do need it.
My wife works as a carer for her sister who is disabled so she needs her car for taking her sister out to shops and doctors. She also gets a petrol allowance for this. As she goes out in a morning till late afternoon it is impossible to share one car.
What I would like to know is will the OR take my car from me and expect us to share one car.
And/or would the OR take my wifes car. I know they sometimes allow £2500 for a car so if my mother in law put the rest of the money towards (£1500) would she be able to keep her car meaning we both have a car each.
Thanks for any help. |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 11 August 2009 : 13:55:34
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Hi,
If you both need a car for your journey to/from work then you should be able to keep both. The OR would probably want the £4k car and give you £2k to buy another or you could make the OR an offer to buy the car.
Cars below £2k are not automatically exempt from being taken by the OR it really depends upon whether the OR believes you need a car and cannot use public transport.
From what you have said about your work, keeping both cars should be fine but you may have to pay a bit for the £4k car unless you could argue that you needed a very reliable car as you make long journeys, etc. |
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RHB
Senior Member
1159 Posts |
Posted - 11 August 2009 : 18:47:52
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| Or could your disabled sister get a car on motability? |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 13 August 2009 : 18:41:02
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It's worth a try to get a motability car. It will only cost you the petrol then, insurance,tax, and all maintainence costs are paid for.
The glimmer gets brighter all the time
Jan
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daisy duck
Junior Member
United Kingdom
201 Posts |
Posted - 13 August 2009 : 19:15:52
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| My wife has asked her sister about this but she does not want to do it, plus my wife would like to own the car herself and we get a petrol allowance and car tax paid anyway. |
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RHB
Senior Member
1159 Posts |
Posted - 16 August 2009 : 12:59:52
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| Thing is, the OR might reasonably expect your sister to do this since the main reason for your wife keeping the car is to care for her sister. |
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daisy duck
Junior Member
United Kingdom
201 Posts |
Posted - 16 August 2009 : 15:29:17
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Hi. My wife also has to pick up and drop off our 2 kids at school as we do not qualify for free buses it would cost us around £80 a month in bus fares alone.
Working everything out including car insurance, petrol, etc. we would save aroud £700 a year with my wife having the car.
Would the OR take this into account. |
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RHB
Senior Member
1159 Posts |
Posted - 16 August 2009 : 15:43:49
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| Well, it's up to the OR ultimately to say what they think but now that child bus travel is being more heavily subsidised it might work out cheaper than you think |
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Topic |
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Keeping two cars
