If you're buying a used car make sure you do your checks... - HotUKDeals
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If you're buying a used car make sure you do your checks...

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Just a heads up really as wouldn't like to see anyone get scammed. Lately myself and my brother have been car hunting, and in about 10 to 15 cars we've both looked at, 3 or 4 of them have been heav… Read More
J4GG4 Avatar
10m, 1w agoPosted 10 months, 1 week ago
Just a heads up really as wouldn't like to see anyone get scammed.

Lately myself and my brother have been car hunting, and in about 10 to 15 cars we've both looked at, 3 or 4 of them have been heavily clocked or finance owing and the sellers are failing to mention this.

I can see on ebay some are getting bids galore and it just takes 2 minutes to check a cars mileage history out online.

You can either do it on the government site, or like me i like to use a website called http://www.totalcarcheck.co.uk register for free and you can view all OLD mot's, dates, mileage, advisories (if any), tax band and cost of tax 12m/6m, co2, if its taxed/sorn..etc..etc. Just so you can see what a potentially clocked car would look like on a mot history check, go to total car check register and type in the REG: DV07FPF. The seller is selling it on 55k miles and you can see from the MOT's in 2013 it was clocked big time.

If you're buying a car which still owes finance, make sure the seller pays it off on the phone while you are there.Or get the seller to call the finance company and then pass the phone to you so you can pay it for him and then pay the remainder for the car to seller. Obviously if the finance is more than what the seller is selling the car for then of course make sure they pay it off there and then. As soon as a financed car is registered in your name with money still owing on it, you will end up footing the bill or expect the car to get towed away.
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J4GG4 Avatar
10m, 1w agoPosted 10 months, 1 week ago
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2 Likes #1
Don't forget the other free check you can do as well to see if its been through a insurance claim..

http://www.hotukdeals.com/freebies/free-insurance-write-off-check-without-need-pay-a-penny-for-a-hpi-1962832

Of course for finance owing and for a more insured way of doing a complete check then you should always buy a HPI.

Edited By: J4GG4 on Sep 08, 2016 14:58
5 Likes #2
Good posting, hope this helps people on here not to get ripped off :)
6 Likes #3
PLEASE INSTALL VEHICLE SMART from the play store, it is the best MOT checking app with miles a year graph and reasons for failure or advisories. Absolutely excellent app, saved my nephew buying a plum from a national dealership.
#4
Very Usefull, thanks.
#5
Thanks i am looking for one, but never thought to ask if their is any oustanding financing payments
#6
Are you sure about the finance thing? I thought once you bought it you legally owned it?

Of course I am prob completely wrong, but I am sure I saw this in some BBC money program.
4 Likes #7
haritori
Are you sure about the finance thing? I thought once you bought it you legally owned it?
Of course I am prob completely wrong, but I am sure I saw this in some BBC money program.

If there's still finance outstanding then it's not the 'sellers' to sell. The finance company can then seize the car if you don't pay up and you have to sue the previous owner to try and reclaim your money.
I did see a thing where they said as long as you bought it in good faith they couldn't take the car but I definitely wouldn't rely on that when you could avoid it in the first place with a few checks.


Edited By: sparky111091 on Sep 08, 2016 17:00
2 Likes #8
haritori
Are you sure about the finance thing? I thought once you bought it you legally owned it?
Of course I am prob completely wrong, but I am sure I saw this in some BBC money program.

Nothing wrong with buying a car on a PCP or on a form of finance, but instead of paying the seller, you pay the finance house direct, i.e you and the seller would ring up and they give consent, you pay the amount direct to Mercedes (for example) and then the seller signs the log book over, plus any difference settled in cash.

What can happen is the seller owes say £10k on his PCP, you pay him £11k for the car, he takes 3-4 weeks to finally ring his finance company, for example say Mercedes finance and pay the £10k off. You drive off and everything appears great. Technically for 1 month you shouldn't have been doing that, as it isnt theirs to sell until paid off and I'm quite sure it could lead to all sorts of insurance issues.
1 Like #9
Really good and useful post, thanks for taking the time to do it OP, if it stops at least one person being scammed then it's totally worth it :D
1 Like #10
So easy to get taken in by appearances and carried away by a supposed good deal. Excellent post op
1 Like #11
super_leeds_86
haritori
Are you sure about the finance thing? I thought once you bought it you legally owned it?
Of course I am prob completely wrong, but I am sure I saw this in some BBC money program.
Nothing wrong with buying a car on a PCP or on a form of finance, but instead of paying the seller, you pay the finance house direct, i.e you and the seller would ring up and they give consent, you pay the amount direct to Mercedes (for example) and then the seller signs the log book over, plus any difference settled in cash.
What can happen is the seller owes say £10k on his PCP, you pay him £11k for the car, he takes 3-4 weeks to finally ring his finance company, for example say Mercedes finance and pay the £10k off. You drive off and everything appears great. Technically for 1 month you shouldn't have been doing that, as it isnt theirs to sell until paid off and I'm quite sure it could lead to all sorts of insurance issues.
or worse still, they don't pay off the loan at all, the finance company still owns the car, and they will tow it away unless you pay off the balance
1 Like #12
psychobitchfromhell
So easy to get taken in by appearances and carried away by a supposed good deal. Excellent post op

Definitely, my brother was going to go through with a deal for 6k for a car which still owed 8k in finance. The seller did not mention it at first and after we told him its financed he even admitted he will carry on paying it but cant use the money now to pay some of it. My brother oddly still wanted it, despite me saying no and the reasons why over and over again. My brother is a little naive.

Im pretty sure its illegal to sell a car which is still owed finance on without mentioning it to the seller.

Edited By: J4GG4 on Sep 08, 2016 22:52
1 Like #13
J4GG4
psychobitchfromhell
So easy to get taken in by appearances and carried away by a supposed good deal. Excellent post op
Definitely, my brother was going to go through with a deal for 6k for a car which still owed 8k in finance. The seller did not mention it at first and after we told him its financed he even admitted he will carry on paying it but cant use the money now to pay some of it. My brother oddly still wanted it, despite me saying no and the reasons why over and over again. My brother is a little naive.
Im pretty sure its illegal to sell a car which is still owed finance on without mentioning it to the seller.
Would've thought so as you don't own the vehicle , the finance company does
#14
wow first car i checked out today turned out to be another clocked car.

Thats something like 40%/50% of cars ive looked at have potentially been clocked.
#15
Excellent thread. Subbed for the useful advice.
#16
You can also check the MOT certificates and if I remember correctly, those show miles attained every year.

Also be on the lookout for JOINED cars and being sold as one car.
#17
Just checked a car and on it's last MOT it states the following:
Reason(s) for failure
Offside Front Sub-frame damaged and seriously weakened (2.4.G.1)
Suspension arm damaged and seriously weakened (2.4.G.1)
Advisory notice item(s)
FRONT BUMPER DAMAGED

5 weeks later the car passed it's mot with no advisories.
Any idea's on this? I assume the car was involved in an accident but has been repaired (though it's not written off), so would it be ok now or should I steer clear? Could there be any serious issues with it in the future?

Edited By: Canary0500 on Mar 31, 2017 16:00
#18
Canary0500
Just checked a car and on it's last MOT it states the following:
Reason(s) for failure
Offside Front Sub-frame damaged and seriously weakened (2.4.G.1)
Suspension arm damaged and seriously weakened (2.4.G.1)
Advisory notice item(s)
FRONT BUMPER DAMAGED
5 weeks later the car passed it's mot with no advisories.
Any idea's on this? I assume the car was involved in an accident but has been repaired (though it's not written off), so would it be ok now or should I steer clear? Could there be any serious issues with it in the future?

Unrecorded damaged repaired.

Impossible to say how good the repairs would be unless you know exactly where it was done.

Would avoid myself TBH.
#19
Canary0500
Just checked a car and on it's last MOT it states the following:
Reason(s) for failure
Offside Front Sub-frame damaged and seriously weakened (2.4.G.1)
Suspension arm damaged and seriously weakened (2.4.G.1)
Advisory notice item(s)
FRONT BUMPER DAMAGED
5 weeks later the car passed it's mot with no advisories.
Any idea's on this? I assume the car was involved in an accident but has been repaired (though it's not written off), so would it be ok now or should I steer clear? Could there be any serious issues with it in the future?
could also be a fake mot
#20
dataload
Canary0500
Just checked a car and on it's last MOT it states the following:
Reason(s) for failure
Offside Front Sub-frame damaged and seriously weakened (2.4.G.1)
Suspension arm damaged and seriously weakened (2.4.G.1)
Advisory notice item(s)
FRONT BUMPER DAMAGED
5 weeks later the car passed it's mot with no advisories.
Any idea's on this? I assume the car was involved in an accident but has been repaired (though it's not written off), so would it be ok now or should I steer clear? Could there be any serious issues with it in the future?
could also be a fake mot


I've seen photos of the car and can't see any damage. I should also add that the mot was done in last September and it has been driven 2,000 miles since then.
banned 1 Like #21
Canary0500
dataload
Canary0500
Just checked a car and on it's last MOT it states the following:
Reason(s) for failure
Offside Front Sub-frame damaged and seriously weakened (2.4.G.1)
Suspension arm damaged and seriously weakened (2.4.G.1)
Advisory notice item(s)
FRONT BUMPER DAMAGED
5 weeks later the car passed it's mot with no advisories.
Any idea's on this? I assume the car was involved in an accident but has been repaired (though it's not written off), so would it be ok now or should I steer clear? Could there be any serious issues with it in the future?
could also be a fake mot
I've seen photos of the car and can't see any damage. I should also add that the mot was done in last September and it has been driven 2,000 miles since then.

Get the log book details & you can check all its official MOT history online.

Edited By: YouDontWantToKnow on Mar 31, 2017 17:06
1 Like #22
https://www.gov.uk/check-mot-history
All you need is the registration number & make of the car
banned#23
tregs
https://www.gov.uk/check-mot-history
All you need is the registration number & make of the car

Thats good.

You used to have the V5 form number!
1 Like #24
YouDontWantToKnow
tregs
https://www.gov.uk/check-mot-history
All you need is the registration number & make of the car
Thats good.
You used to have the V5 form number!
This site - https://www.gov.uk/check-mot-status - gives you an option of adding the V5C document reference number, but you don't have to

Edited By: tregs on Mar 31, 2017 17:21
#25
Pay by credit card even if it's just the deposit so you are protected.

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases#deposit

Edited By: kiish on Mar 31, 2017 17:20
1 Like #26
Canary0500
Just checked a car and on it's last MOT it states the following:
Reason(s) for failure
Offside Front Sub-frame damaged and seriously weakened (2.4.G.1)
Suspension arm damaged and seriously weakened (2.4.G.1)
Advisory notice item(s)
FRONT BUMPER DAMAGED
5 weeks later the car passed it's mot with no advisories.
Any idea's on this? I assume the car was involved in an accident but has been repaired (though it's not written off), so would it be ok now or should I steer clear? Could there be any serious issues with it in the future?

Well my first thing would be call them and ask about the accident the car had been in. If they are funny about it walk away.
If they have nothing to hide they will tell you and probably have an invoice.
It may have been a private repair.
On viewing the car (if you get that far) it should be pretty easy to see if it has new suspension parts, new sub frame or repair (look at the quality and that it has been painted to stop rust) and the quality of the paintwork on the new bumper.

It all depends. If it's a £500 car if it's done ok and looks safe no issues. If it's a more expensive car If it looks ok I'd expect the price to be around the cat d price.
banned 2 Likes #27
kiish
Pay by credit card even if it's just the deposit so you are protected.http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases#deposit


If a private seller accepts credit card payments then that in itself is a massive warning sign.
#28
YouDontWantToKnow
kiish
Pay by credit card even if it's just the deposit so you are protected.http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases#deposit
If a private seller accepts credit card payments then that in itself is a massive warning sign.

Well of course not private but used cars from dealerships and local dealers :)
banned 1 Like #29
kiish

Well of course not private but used cars from dealerships and local dealers :)

No offence intended.

Just remember a private seller once accepting card payments.

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