Quick Car Question

[techen]

I took a loan out for a ford focus about 3 years ago, The loan ends in a month or two.
 
I sold the car awhile into the loan, But still pay the loan to this day.
 
I just got a letter saying my insureres told them I made a claim? Which is impossible because am not insured on that car and nor is my insurance company.
Is it possible that this may end up messy if I tell them I no longer own the car? Because by law they own it till I pay the loan off and if I don't own it then they could rightfully sue me?
 
Am very unsure what to do at this stage. There's only £200 left of the loan.

 

[TallTree01]

I'm no lawyer but to me it appears that the answer to your 2 questions is yes.

 

[techen]

Well see you guys in prison rofl :3

 

[This Old Spouse]

This begs the question: why didn't you pay off the loan when you sold the car?

 

[TallTree01]

^ That's my question. It's a pretty simple answeer though:
He couldnt be bothered.

 

[techen]

Rather more on the lines of, I couldn't afford it and did a stupid mistake of not paying it off.

 

[This Old Spouse]

Hoo boy. Sorry, but all I can see is trouble ahead. 

 

[techen]

Well, I believe I could pay off the outstanding amount myself. Being the 199. Once paid, I then own the rights to the car and they have no more law over me. 

 

[Livewire88]

I cant work out why they would sue you, the loan you took out for the car has nothing to do with your insurance company. 

 

[TallTree01]

See. To every cloud there's a silver lining.
Then again if you don't pay it off this could be you:

 

[techen]

I agree with Livewire, I bought the car from the dealers and got the loan with it. But I've been paying the loan for 3 years and coming up to the last few months they drop the bomb shell on me?
 
It's all abit dodgy if you ask me.

 

[Livewire88]

Well I work for a car insurance company and deal with cars that get written off every day, just tell the loan company its none of their business what you did with your car, and say you will continue to pay off the loan as per your agreement.
 
And if you want call your previous insurance company and ask why they have a claim down against you.

 

[This Old Spouse]

There's a couple problems here. First, who sent you the letter? If it's the insurance company that's a load of fish poo. Unless you've been paying them all along too, which I doubt you have. The problem comes in when determining who the registered owner is. If you didn't sign over ownership of the car to the person you sold it to, you're legally bound to still make payments, but you've been doing that.
 
If the new owners got into an accident and made a claim on their insurance policy, it just might get a little sticky trying to figure out who the owners really are. 

 

[techen]

The V5 was signed and I got the notice saying it had changed hands. My name is not on that car.
 
The letter is from black horse, The people am paying the money for my loan too.
 
Also, I've not received anything from my insurance company about any claim at all.

 

[Livewire88]

Well I am not sure how it works in the US but in the UK if you sell a car you send a slip to the DVLA (section 9 of your V5) making them aware of the new owners details, then anything relating to that car is the responsibility of the new owner. 
 
If the loan you took out was a normal personal loan it has nothing to do with your insurance and/or any incident that has happened with the car since.