HPI checked a car I've just given a deposit for...

[Sawyer815]

gizlaroc said:

But he told you it was his car to sell and had no outstanding finance on it, and that is no longer the truth, the finance house own it.

I would call the bank and tell them this fact. Say you agreed to pay the deposit based on the car being his to sell, and say that he told you that the V5 was not an important document in the UK. You have since been told it is needed for taxing the car and shows you who owns the car. Play him at his own game.

Can you scan the deposit receipt in so we can maybe give you some angles to go at?

Thanks, I think that's my best line of defense as well.

Here is the receipt :

[gizlaroc]

I would call the bank and get them to claw it back, tell them he lied to you, and that the finance house said they never received payment when he told you he paid it over a week ago.
Say you gave him 7 days to show finance was cleared and this has not happened and that he also told you that a V5 was not an important document in the UK.

Say you have posted on the forums asking for advice and all the car dealers say this seems very fishy and recommended calling the bank, which is what you are doing.

[VolvoT5]

gizlaroc said:

I would call the bank and get them to claw it back, tell them he lied to you, and that the finance house said they never received payment when he told you he paid it over a week ago.
Say you gave him 7 days to show finance was cleared and this has not happened and that he also told you that a V5 was not an important document in the UK.

Say you have posted on the forums asking for advice and all the car dealers say this seems very fishy and recommended calling the bank, which is what you are doing.

Banks don't just claw back the money at the drop of a hat. OP will need some evidence and I'm not sure that receipt he has just posted up is particularly helpful as it clearly states no V5, etc.

Having said that receipt doesn't seem especially dodgy, seller not trying to excuse his SOGA responsibilities by adding 'sold as seen' or the usual bks that the really dodgy traders get up to. The seller also has 40+ cars for sale on the website so probably not a total backstreet dealer.

I would think there is a chance the dealer will refund.... or at least sort the V5 and provide the finance settlement letter, in which case OP could go ahead with the purchase? Unless I'm missing some other concerns raised?

[craig_m67]

Sawyer815 said:

craig_m67 : I just really don't trust the man or his business anymore, so I will definitely not give him any more money. The car itself seemed good, but after that story I wouldn't be surprised if flaws started to appear few days after I drive it home.
Besides, on the deposit slip I acknowledged the absence of V5 (how silly of me, hah), so I don't think I can say "bring the V5 and THEN I'll buy it, or deal is dead".

I appreciate how annoying and frustrating this will be. I also appreciate that purchasing a car is an emotive and personal thing (I drive Alfa's). However, at the end of the day it's the condition of the car that is important not the tt who is selling it. You will quickly forget the annoyance and the experience (already) will only make you smarter more resilient. What solution to the documentation issues has the vendor offered ?

To the group, what actual documentation is required to tax and change ownership, surely it's something that can be done simply without having to wait weeks and weeks? (I've only ever bought one car in the UK and didn't have any issues, mind you I naively just paid the £5k and drove it home, might easily have not worked out for me I agree)

[gizlaroc]

VolvoT5 said:

Banks don't just claw back the money at the drop of a hat. OP will need some evidence and I'm not sure that receipt he has just posted up is particularly helpful as it clearly states no V5, etc.

I know, but I would speak to them, if it was paid on a Visa Debit card they may well do it.

You have to be very careful using a card, the moment you use a card with any company, if they take more money off you in the future it is no longer theft it is simply a dispute between yourself and them. This is something I found out quite recently when an electrical retailer took £1299 off my card. It was a ball ache getting the bank to claw it back.

[swisstoni]

OPs bank will put this claim through a very long winded process taking weeks if not months, involving both banks. You will not get your money back until that runs it's course.
And unless some sort of fraud is uncovered (not saying this isn't a fraudulent case) then they will not take any action.

[andy-xr]

craig_m67 said:

To the group, what actual documentation is required to tax and change ownership, surely it's something that can be done simply without having to wait weeks and weeks? (I've only ever bought one car in the UK and didn't have any issues, mind you I naively just paid the £5k and drove it home, might easily have not worked out for me I agree)

You need either the doc number off the V5 or the doc number off the new keepers supplement to buy road tax. To get the V5 in your name, either complete the transfer section on the V5 or put through a V62 form if the V5 is lost, send either off to DVLA and within a couple of weeks they send back a new V5.

The problem with this is that if the car has outstanding finance on it, it's not the garages to sell.

But here's another question, dealer with 40+ cars on their books, doesnt HPI a car coming in? I can only assume it's off the books from their own checks (personal sale done through business if it's his sons)

Kinda means to me that they're not planning on settling the finance on it til they've got cash from a buyer and hoping they dont get questions asked why it's still showing up as someone else's interest. The lack of a V5 points to this: https://www.moneyadviceservice.org.uk/en/articles/...

Edited by andy-xr on Monday 29th June 10:04

[gizlaroc]

This just came through my inbox....

http://www.motoring.co.uk/car-news/dvla-warns-driv...

[Sawyer815]

I sent the letter through special delivery, I don't expect much but... you never know.

Quick question guys, as I am looking at other cars (life doesn't stop, I still need a car!) : if the ad is from a "proper" dealership and clearly stated "HPI and VOSA checked", is it still worth doing a HPI check myself? Or do I just ask to see the report if I'm interested ?

Thank you again for all your answers by the way. I don't know many people in UK yet so it is much appreciated.

[justanother5tar]

Sawyer815 said:

if the ad is from a "proper" dealership and clearly stated "HPI and VOSA checked", is it still worth doing a HPI check myself?

Have you not learned the first time?

[VolvoT5]

Sawyer815 said:

I sent the letter through special delivery, I don't expect much but... you never know.

Quick question guys, as I am looking at other cars (life doesn't stop, I still need a car!) : if the ad is from a "proper" dealership and clearly stated "HPI and VOSA checked", is it still worth doing a HPI check myself? Or do I just ask to see the report if I'm interested ?

Thank you again for all your answers by the way. I don't know many people in UK yet so it is much appreciated.

Ask them for a print out of the HPI. All decent sized traders have access to HPI and can print a report instantly - they wont mind if they have nothing to hide and it seals the deal.

"VOSA checked" basically just means they looked up the MOT history (free via government website) and there are no mileage discrepancies. As them for a print out to confirm but it doesn't come with any guarantee or anything. https://www.gov.uk/check-mot-history-vehicle

[ZX10R NIN]

Sawyer815 said:

I sent the letter through special delivery, I don't expect much but... you never know.

Quick question guys, as I am looking at other cars (life doesn't stop, I still need a car!) : if the ad is from a "proper" dealership and clearly stated "HPI and VOSA checked", is it still worth doing a HPI check myself? Or do I just ask to see the report if I'm interested ?

Thank you again for all your answers by the way. I don't know many people in UK yet so it is much appreciated.

It doesn't matter where you buy your car from, you need to do your due diligence be it from a dealer or private.

[craig_m67]

andy-xr said:

You need either the doc number off the V5 or the doc number off the new keepers supplement to buy road tax. To get the V5 in your name, either complete the transfer section on the V5 or put through a V62 form if the V5 is lost, send either off to DVLA and within a couple of weeks they send back a new V5.

The problem with this is that if the car has outstanding finance on it, it's not the garages to sell.

But here's another question, dealer with 40+ cars on their books, doesnt HPI a car coming in? I can only assume it's off the books from their own checks (personal sale done through business if it's his sons)

Kinda means to me that they're not planning on settling the finance on it til they've got cash from a buyer and hoping they dont get questions asked why it's still showing up as someone else's interest. The lack of a V5 points to this: https://www.moneyadviceservice.org.uk/en/articles/...

Edited by andy-xr on Monday 29th June 10:04

Cheers Andy,

What a ball ache Sawher, hope you get it sorted and the car you want soon. I liked the UK don't let this spoil your fund and enjoyment of the place, it's a crackup generally

[herewego]

ZX10R NIN said:

Sawyer815 said:

I sent the letter through special delivery, I don't expect much but... you never know.

Quick question guys, as I am looking at other cars (life doesn't stop, I still need a car!) : if the ad is from a "proper" dealership and clearly stated "HPI and VOSA checked", is it still worth doing a HPI check myself? Or do I just ask to see the report if I'm interested ?

Thank you again for all your answers by the way. I don't know many people in UK yet so it is much appreciated.

It doesn't matter where you buy your car from, you need to do your due diligence be it from a dealer or private.

If a dealer, isn't the dealer legally responsible for any finance owing. If it turns out there is finance owing the dealer has to settle it as far as I know.

[swisstoni]

Selling stuff that doesn't belong to you is generally frowned upon by the police.

[nickfrog]

OP. With the car trade in the UK, you can't assume that there is such a thing as a "proper dealer", even if they are franchised. The due diligence is the same irrespective of who you deal with. Unless you have accepted that, then I suggest you carry on cycling. Bonne chance quand meme mon pote...

[DrDoofenshmirtz]

Sawyer815 said:

Thanks, I think that's my best line of defense as well.

Here is the receipt :

It's a bit worrying that most of the OPs concerns are noted on that receipt (sans outstanding finance that may well have been cleared by now?) - doesn't that kind of imply acceptance?

[igiveup]

http://www.moneysavingexpert.com/shopping/visa-mas...

[VolvoT5]

igiveup said:

http://www.moneysavingexpert.com/shopping/visa-mas...

I'm struggling to see how any of those conditions apply to OPs case.

[igiveup]

VolvoT5 said:

igiveup said:

http://www.moneysavingexpert.com/shopping/visa-mas...

I'm struggling to see how any of those conditions apply to OPs case.

When i posted that someone was asking if Visa Debit had the same kind of protection, so i posted that for them to read.

That question seems to have been deleted from the thread now.

Never mind.