Answered6 years ago
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?
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.
Recommend will be highly appreciated.
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.
87 repliesnewest first
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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.
Terry ********
just keep paying the instalments.
Ronald *****
I think you shld go ask the loan bank instead..what will happen to the loan if the guarantor withdraws it's name
Ralphy *****
Just leave as is
Gordon ********
Maybe try a new girlfriend to transfer guarantee to. Someone with a job lol. Teachers have good credit
Toll ***************
Ahh yes. Not a surprise, good luck.
Gregg *************
What do women and hurricanes have in common ??
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 Gregg *************
They both start out hot and wet and you end up losing your house and your car😂
Alan *********
Ignore it and it will go away..🤭
Alwyne ********
Well just keep paying
Wojciech ***********
Give the car back and buy another
Geir *******
Means zero nothing
Pauric *********
Who name is thecar book in and who has it
Eric *********
Pay the remaining.
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.
Dorjee ********
OP@Frederick ********
Lols. Yeah feels like some kind of avengers. But I will keep clean from my side. That is all I can do.Karim ***************
@Frederick ********
this is probably the best advice.
Darren ********
just say to her up to you and keep paying on time it should be accepted if your repayments are clean.
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...
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...
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.
Dorjee ********
OP@Oliver *******
it's lesson taught in a middle of way
Dimitris ************
Sell the car
James *******
So does the car need a visa?
Dorjee ********
OP@James ******
Lols, car was born here so he doesn't required visa. 
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.
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.
Matthew ************
@Lawrance *********
But we don't know if she is honorable or not. Why the split?Dorjee ********
OP@Lawrance *********
highly appreciated, this is the only option left just to transfer in other name. 
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.
You may need a replacement, Get ready if need be.
Dorjee ********
OP@Chinems ***********************
highly appreciated, I am not aware of the dealer, now I can see twist at the end
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
Yvor ***********
She can not.
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.
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.
Shannon ********
maybe not even good.. even if married.. just my opinion
Matthew ************
@Shannon *******
Especially if married Dorjee ********
OP@David ********
absolutely, out of nowhere sometimes it happens this is life after all. 
Canice ******
You can borrow from bank with your own name?? Are u working in Thai?
Dorjee ********
OP@Canice *****
yeah it's been six years nowCanice ******
@바람**
if the car name under you.. it should be fine as long you pay on time.. if you have doubt.. check with bank Brendan ********
its quite obvious that both parties have their concerns and I can see why.
Steve *******
I think you only option is to pay it off.
Richard *****
Cash is king go and pay it off
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 😂
Rob ******
If the vehicle is in his name and she is only the guarantor . Its not a problem for him .
It is for her .
It is for her .
เอ็ดเวิร์ด *******
@Karim **************
He’s not a farang Karim ***************
@Edward *******
of course he is. He’s not Thai, therefore he is a Farrang. เอ็ดเวิร์ด *******
@Frank ********
You got my vote
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.
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.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).
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!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.
Greg ********
@Karim **************
I have known quite a middle class wealthy Thais refer to Arab as Farang Dam. 😉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
เอ็ดเวิร์ด *******
@Karim **************
Farang has always meant a white person, not just anybody who’s not a Thai. **************************************
David ********
If her name is on the loan contract she can negotiate a termination of the contract with the creditors
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
Brendan ********
ok so the car is in her name, aswell as the finance, the finance will be given against something like a house.
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.Brendan ********
not really because she could keep it when its paid off.
Paul *******
@Brendan *******
It's in his name not hers. He keeps the car.Brendan ********
@Paul ******
he may be has nothing to worry about but she hasKarim ***************
@Brendan *******
yes she is up shit creek if something happens. 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.Karim ***************
@Brendan *******
she cannot do anything. She should not hve signed into an agreement like that in an unstable relationship. Brendan ********
@Paul ******
see aboveKarim ***************
@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. 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.
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
Dorjee ********
OP@Robert ******
highly appreciated. But keeping on pressure on me. 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 
UN ********
She can't withdraw her guarantee, so don't worry about it ⚡⚡
Billy *******
Too bad. She signed the document.
Robert ********
I would assume that’s between her and finance company so good luck with that.
Adrian ******
If you want keep car just keep paying she can’t remove it hurts no one
AliJames *****
Find a new guarantor
Dorjee ********
OP@James *****************
new is not acceptable Paul *******
@바람**
And not needed.
Alberto *********
No t true you pay nothing happened. If car your name.
Dave *******
You didn't "buy a car" you only started the payments
Simon ********
Cant we get rid of these Telegram wankers?
Paul *******
@Dave ******
Very helpful you are.Dave *******
@Paul ******
Thank you 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.
Paul *******
Sweta Gour Fuck off ya muppet
Andrew *****
just keep paying your be ok
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