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What should I do if my Thai girlfriend who is a guarantor wants to withdraw from her guarantee for the car I am paying for?

Car FinancingGuarantor IssuesThailandExpat AdviceLegal AdviceBreakup Consequences
Dec 15, 2020
4 years ago
Dorjee ********
ORIGINAL POSTER
Need a solution. If any one of you have an idea.please. I bought a car in my own name but guarantor was my Thai girlfriend. Now she wants to withdraw from the guarantee as we broke up. Car is on monthly basis payment.

Recommend will be highly appreciated.
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TLDR : Answer Summary
The user is facing a situation where they bought a car in their own name, with their Thai girlfriend as the guarantor. After a breakup, she wishes to withdraw as the guarantor. Community responses generally agree that as long as the user continues to make payments, there should be no issue with the guarantor wanting to withdraw since she signed a legal document and is liable for the contract. Some comments suggest finding a new guarantor, contacting the finance company for direct advice, or even paying off the car loan to avoid further complications.
Lun *****
She is not allow to withdraw as guarantor. As long as u keeps paying the monthly installment . Nothing will happen . If u hate her Stop paying the installment.
4 years ago
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Terry ********
just keep paying the instalments.
4 years ago
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Ronald *****
I think you shld go ask the loan bank instead..what will happen to the loan if the guarantor withdraws it's name
4 years ago
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Ralphy *****
Just leave as is
4 years ago
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Gordon ********
Maybe try a new girlfriend to transfer guarantee to. Someone with a job lol. Teachers have good credit
4 years ago
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Toll ***************
Ahh yes. Not a surprise, good luck.
4 years ago
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Gregg *************
What do women and hurricanes have in common ??
4 years ago
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Maillard ************
@Gregg ************
 just keep paid on time car is on your names she can do nothing if car on she names you have problem so keep paid and when credit finish ask all paper back to you and paid by your bank account only
4 years ago
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Gregg *************
They both start out hot and wet and you end up losing your house and your car😂
4 years ago
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Gregg *************
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Alan *********
Ignore it and it will go away..🤭
4 years ago
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Alwyne ********
Well just keep paying
4 years ago
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Wojciech ***********
Give the car back and buy another
4 years ago
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Geir *******
Means zero nothing
4 years ago
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Pauric *********
Who name is thecar book in and who has it
4 years ago
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Eric *********
Pay the remaining.
4 years ago
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Frederick *********
This sounds like a sort of revenge tactic after the breakup. You need to keep a clear head and not to stoop to her level and fight nasty with nasty. I can’t see her legally bring able to withdraw from being guarantor once sighed. However, if she won’t see sense, I would contact the bank in person and explain the situation to them. If you’ve kept up all payments to date, I can’t see them wanting to terminate the contract. The alternative would be to say nothing snd just carry on making regular payments. Good luck.
4 years ago
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Dorjee ********
ORIGINAL POSTER
@Frederick ********
 Lols. Yeah feels like some kind of avengers. But I will keep clean from my side. That is all I can do.
4 years ago
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Karim ***************
@Frederick ********
 this is probably the best advice.
4 years ago
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Karim ***************
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Darren ********
just say to her up to you and keep paying on time it should be accepted if your repayments are clean.
4 years ago
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Charles ****************
4 years ago
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David ******************
A car is a nice status symbol for a Thai girl ... let’s think here... what’s the total cumulative interest on the loan before it’s paid off? Are you responsible for the monthly payments? (Do you like BTS?)

Since you live and work in Thailand, it sounds like you may need to remove her name as a guarantor... sounds like she was helping you out and has a good heart to offer to be a guarantor...
4 years ago
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Oliver ********
you can choose to refinance the loan, pay it off, or do nothing. if you prefer the latter but your ex-bird has a strong enough preference to avoid that, you can suggest her to offer something in return for your cooperation. i can't really see what the problem is for which you require a solution.
4 years ago
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Dorjee ********
ORIGINAL POSTER
@Oliver *******
 it's lesson taught in a middle of way
4 years ago
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Dorjee ********
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Dimitris ************
Sell the car
4 years ago
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James *******
So does the car need a visa?
4 years ago
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Dorjee ********
ORIGINAL POSTER
@James ******
 Lols, car was born here so he doesn't required visa.
4 years ago
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Dorjee ********
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Lawrance **********
If it was the other way you wouldn't want to be a guarantor would you?

She's being decent about it, she wants out so find a way to sell it or any other option to release her from a contract you both entered together.

This is best because thailand has laws and best not to test her.
4 years ago
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Matthew ************
@Lawrance *********
 But we don't know if she is honorable or not. Why the split?
4 years ago
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Dorjee ********
ORIGINAL POSTER
@Lawrance *********
 highly appreciated, this is the only option left just to transfer in other name.
4 years ago
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Dorjee ********
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Chinems ************************
Get back to the bank and car dealer, they are in the best position(s) to know what esle to do...

You may need a replacement, Get ready if need be.
4 years ago
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Dorjee ********
ORIGINAL POSTER
@Chinems ***********************
 highly appreciated, I am not aware of the dealer, now I can see twist at the end
4 years ago
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Dorjee ********
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Wayne ********
sorry but she should have thought about that before signing a legal document you can’t say yes then just decide to withdraw will teach her a lesson and why we should never go guarantor for anyone x
4 years ago
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Yvor ***********
She can not.
4 years ago
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David *********
The best advise and don’t listen to people’s comments

iGo contact a lawyer and or the bank for advice and possible options. Next time do not get involved in an arrangement like this unless you are married.
4 years ago
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Shannon ********
maybe not even good.. even if married.. just my opinion
4 years ago
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Matthew ************
@Shannon *******
 Especially if married
4 years ago
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Matthew ************
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Dorjee ********
ORIGINAL POSTER
@David ********
 absolutely, out of nowhere sometimes it happens this is life after all.
4 years ago
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Dorjee ********
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Canice ******
You can borrow from bank with your own name?? Are u working in Thai?
4 years ago
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Dorjee ********
ORIGINAL POSTER
@Canice *****
 yeah it's been six years now
4 years ago
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Canice ******
@바람**
 if the car name under you.. it should be fine as long you pay on time.. if you have doubt.. check with bank
4 years ago
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Canice ******
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Brendan ********
its quite obvious that both parties have their concerns and I can see why.
4 years ago
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Steve *******
I think you only option is to pay it off.
4 years ago
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Richard *****
Cash is king go and pay it off
4 years ago
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Karim ***************
She can’t do anything about it. If you want the car, keep paying and you will hve no problems. If payments are not made, she is liable. This is possibly the first time I have heard of a Farrang having a Thai by the short and curlies. Well played 😂
4 years ago
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Rob ******
If the vehicle is in his name and she is only the guarantor . Its not a problem for him .

It is for her .
4 years ago
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เอ็ดเวิร์ด *******
@Karim **************
 He’s not a farang
4 years ago
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Karim ***************
@Edward *******
 of course he is. He’s not Thai, therefore he is a Farrang.
4 years ago
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เอ็ดเวิร์ด *******
@Karim **************
 Farang has always meant a white person, not just anybody who’s not a Thai.
**************************************
4 years ago
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Karim ***************
@Edward *******
 😂😂😂😂Farang (فرنگ) is a Persian and southeast Asian word that originally referred to the Franks (the major Germanic tribe) and later came to refer to Europeans in general. The word "Farang" is a cognate and originates from old french: "franc".. 😂😂😂😂😂😂😂😂😂😂

I think that Wikipedia definition is a little more complex than your average Thai would define Farang. I have heard Thais call Middle Eastern men Farangs... they just use it instead of foreigner
4 years ago
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Frank *********
@Karim **************
That’s not correct.

The word „Farang“ in Thailand came up in Thailand (nowhere else) due to the inability of Thais to pronounce the word francais. The French were the first to set foot into Thailand. Thais called them farangsai because they can’t pronounce 2 consonants (f + r) without a vocal in between. After that, they developed a shortcut, leaving the last syllable behind.

The word here in Thailand clearly refers to caucasians, no blacks, no asian foreigners, no arabs or any other race.
4 years ago
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เอ็ดเวิร์ด *******
@Frank ********
 You got my vote
4 years ago
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Karim ***************
@Frank ********
 the original definition and the actual use, are two different things Frank. Thais, 100 % call Middle Eastern people farangs! That cannot be disputed because, it’s fact!
4 years ago
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Frank *********
@Karim **************
You obviously don’t understand the true nature of Thai personality.

Thais act and speak emotionally, not rationally. Hence, all people with a fairly white skin are Farangs for them and they won’t check their nationality first before calling them this or that word. This cannot be disputed because it’s fact haha (what a childish way to argue).
4 years ago
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Karim ***************
@Frank ********
 I have lived all over Thailand, north, south, east and west. I have a decent understanding of Thai personality and, I don’t keep my association to bar girls. Lower and middle class Thais refer to anyone west of India as farangs, barring Africans. And yes, that is “fact”, Frank, full of infinite wisdom.
4 years ago
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Frank *********
@Karim **************
Hahaha. As I said, childish.

And obviously suffering from over-compensation of complexes as mentally balanced people don’t need to state their opinion above of those other people in an arrogant way like this.

If I would be egocentric and self-overwhelmed like you, I could tell you now what my Thai-expertise is and where it comes from. But I don’t need that as I am confident enough without doing so.
4 years ago
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Greg ********
@Karim **************
 I have known quite a middle class wealthy Thais refer to Arab as Farang Dam. 😉
4 years ago
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Greg ********
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David ********
If her name is on the loan contract she can negotiate a termination of the contract with the creditors
4 years ago
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Brendan ********
ok karim now put yourself in her position. lets say something happens to the car and the insurance do not cover it. lets say something happened with the guy who has the car.( god forebid I hope not) that girl is up the creek as she will have to pay. I understand where shes coming from I have to say
4 years ago
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Brendan ********
ok so the car is in her name, aswell as the finance, the finance will be given against something like a house.
4 years ago
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Karim ***************
@Brendan *******
 the car can be in his name, in this case, I think it’s in his name. He only said she was the guarantor on the finance deal.
4 years ago
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Karim ***************
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Brendan ********
not really because she could keep it when its paid off.
4 years ago
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Paul *******
@Brendan *******
 It's in his name not hers. He keeps the car.
4 years ago
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Brendan ********
@Paul ******
 see above
4 years ago
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Karim ***************
@Brendan *******
 yes she is up shit creek if something happens.
4 years ago
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Paul *******
@Brendan *******
 Yes just seen. What you said is nonsense. Again, its in his name, she signed the contract as guarantor so he has absolutely nothing to worry about.
4 years ago
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Brendan ********
@Paul ******
 he may be has nothing to worry about but she has
4 years ago
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Karim ***************
@Brendan *******
 she cannot do anything. She should not hve signed into an agreement like that in an unstable relationship.
4 years ago
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Karim ***************
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Karim ***************
@Brendan *******
 yes I know... I did tell him to keep paying for it and he would hve no problems. She signed the document and cannot withdraw from the finance agreement.
4 years ago
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Karim ***************
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Brendan ********
is it possible to go to the finance company and explain it to them, maybe they could transfer it into someone else,s name . seeking legal advice is available however the original contract is between the bank and her. how much is owed. would she transfer the car into your name if it was paid off. do you have a new partner who could help.
4 years ago
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Robert *******
Nothing to worry about. The only issue if it isn't in your own name. I'd still double check that. You can sit and pay the money and even sign something. But doesn't mean what your signing and buying is in your name. That's Thailand im afraid. Seen it before. If it is genuinely in your name your fine and lucky you was smart enough to get it in your name
4 years ago
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Dorjee ********
ORIGINAL POSTER
@Robert ******
 highly appreciated. But keeping on pressure on me.
4 years ago
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Robert *******
@바람**
 Lets hope your ok buddy im on my 4th vehicle after loosing 3 believing they were in my name 🤣 win some you loose some lesson learnt
4 years ago
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Robert *******
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UN ********
She can't withdraw her guarantee, so don't worry about it ⚡⚡
4 years ago
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Billy *******
Too bad. She signed the document.
4 years ago
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Robert ********
I would assume that’s between her and finance company so good luck with that.
4 years ago
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Adrian ******
If you want keep car just keep paying she can’t remove it hurts no one
4 years ago
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AliJames *****
Find a new guarantor
4 years ago
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Dorjee ********
ORIGINAL POSTER
@James *****************
 new is not acceptable
4 years ago
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Paul *******
@바람**
 And not needed.
4 years ago
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Paul *******
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Alberto *********
No t true you pay nothing happened. If car your name.
4 years ago
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Dave *******
You didn't "buy a car" you only started the payments
4 years ago
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Simon ********
Cant we get rid of these Telegram wankers?
4 years ago
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Paul *******
@Dave ******
 Very helpful you are.
4 years ago
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Dave *******
@Paul ******
 Thank you
4 years ago
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Dave *******
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Paul *******
They aren't going to take your car away unless you stop paying. Your ex can do what she wants but she signed the contract on her own behalf. Dont worry about it.
4 years ago
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Paul *******
Sweta Gour Fuck off ya muppet
4 years ago
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Paul *******
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Andrew *****
just keep paying your be ok
4 years ago
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Andrew *****
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