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…
J4GG4 Avatar
5m, 2w agoPosted 5 months, 2 weeks 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
5m, 2w agoPosted 5 months, 2 weeks 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
4 Likes #2
Good posting, hope this helps people on here not to get ripped off :)
5 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.

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