€50,000 car registered in your name but never delivered

Buying a new €50,000 car: registered in your name and still not delivered

According to his account, the car is registered in his name and he still does not have it. A buyer posted on the forum that he signed the order for a plug-in hybrid worth around €50,000 on 18 August, put down a €15,000 deposit and accepted the financing that, he says, the dealership was imposing on him to access the so-called multi-purchase deal. Days later, when he checked the MiDGT app, he found the paradox: the vehicle had been registered in his name since 20 August. At the dealership, it was nowhere to be found. A month later, he still had not seen it and had received no explanation that added up.

Registered in your name and no car: what it means

In the thread, there is agreement that registering a vehicle in a private individual's name before delivering it is, at the very least, an anomalous procedure. The usual practice described by participants is the opposite: the car travels from the factory with the chassis number as its only identification, the buyer inspects it at the dealership, settles the payment, and only then does the administrative agency request the plates from the DGT (Spain's traffic authority). One user also warns that putting the car in the buyer's name before having it on the premises leaves the owner exposed to any incident involving the vehicle vis-à-vis third parties, including civil liability.

How much does financing €50,000 at the dealership cost?

According to a calculation circulating in the thread, with rates exceeding 10% at most dealerships, a €50,000 car ends up costing more than €60,000 once interest, linked insurance and fees are added. The same participant points to brands like Tesla, with offers starting at 1%, or BYD, at around 3%, as exceptions. Another user notes that, by law, the penalty for repaying a loan early cannot exceed 1% of the outstanding capital, which opens up a way to cancel as soon as possible and save the rest of the interest.

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Some argue that the buyer made a mistake at every link in the chain: buying on credit something he could not pay for in cash, financing through the dealership, and accepting a €50,000 car. Against that, other participants believe that the breach, if there is one, is not the buyer's. The buyer himself cited Article 66 bis of Spain's General Law for the Defence of Consumers and Users, which sets a maximum of 30 calendar days from signing if the contract does not specify a delivery date. Another user maintains that the car can be returned within the legal withdrawal period once received.

What to do when the dealership does not deliver the car

The most repeated advice is to stop phoning and show up at the dealership with a printed copy of the DGT record, demanding to speak with management rather than the salesperson. It is recommended to file a written complaint, stamped and with proof of receipt, so as to have evidence. And if the car does not appear, report it. The question that remains open has no easy answer: why is the vehicle registered and the buyer, weeks later, still does not have it?