Mrs X is the wife of Mr Y and they are married Out of Community of Property. Mrs X was the driver of the vehicle owned by Mr Y. An accident occurred on 13 October 2017 due to the sole negligence of Mr Z. Mr Y is insured by XYD insurance. You are acting on behalf of the plaintiff.

1. Who would be the plaintiff to the action? Please provide reasons.

2. While investigating the matter, it comes to light to Mr. Z was acting in the scope of his employment. He was employed by ABS Company. Who would defendant(s) be in the action? Please provide reasons.

3. After consulting with Mr. Y, you realise that the vehicle is still under a credit agreement with ASF Bank. Who would the plaintiff be in the action?