HPI checked a car I've just given a deposit for...
Discussion
Firstly you can get your money back, he has no V5C, there's a mileage discrepancy etc he can't sell a car without it.
Secondly YOU should contact the finance company & get them to Email(& post you a letter) you confirming there's no Finance outstanding on this or any other car, anyone can make up a letter but if you've spoken to the company then you know where you stand.
Don't be afraid to buy a car with finance on it as long as you pay the finance company directly & give the seller the balance always HPI a car before viewing it that way you've only spent little bit of money & not wasted your time.
As for your deposit Email him & give him the option of producing the V5 in the next 7 days or refunding your deposit also tell him if he fails to do so you'll report him to trading standards.
He won't want the agg & that should see you get you money.
Secondly YOU should contact the finance company & get them to Email(& post you a letter) you confirming there's no Finance outstanding on this or any other car, anyone can make up a letter but if you've spoken to the company then you know where you stand.
Don't be afraid to buy a car with finance on it as long as you pay the finance company directly & give the seller the balance always HPI a car before viewing it that way you've only spent little bit of money & not wasted your time.
As for your deposit Email him & give him the option of producing the V5 in the next 7 days or refunding your deposit also tell him if he fails to do so you'll report him to trading standards.
He won't want the agg & that should see you get you money.
Deerfoot said:
Butter Face said:
Ok, I have spoken to HPI.
Good effort there Butter Face. 
Butter Face said:
Unfortunately, I had to speak to HPI, once you HPI (trade wise) a car with a Security Check marker on it, you normally get a phone call anyway asking why you're doing the check/is the car being traded in/have they told you about finance etc. It's better to pre-empt and call them first!
Ah, still going above and beyond for a stranger which is good in my book.Incidentally I had to look at the HPi site last night to try and understand what the security marker was....
Here are the news.
I phoned the finance company, who have told me that there is still finance on the car at this point. I have given them the name and phone number of the seller, they'll see that on Monday (no managers on Saturday apparently).
I phoned the seller again, and once again he tells me that he's just paid it off so the money hasn't reached the finance company yet (mh...), he will get a clearance letter, that I will be able to call them to confirm. He tells me he will sign a statement saying the mileage IS accurate (I still have to call Mazda on that one).
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
I told him that if I can't get confirmation of, at least, the finance and the mileage, I will want my deposit back. He acts all offended like "you don't trust me, you're worrying way too much, put your mind at ease, I will give you all the guarantees you need, blahblahblah".
So... yeah. I doesn't stink much less, and I'm getting ready to never see those £500 back. Question now is : if I indeed get the confirmation (not from his letter, but by calling the company) that the finance has been paid off, if I indeed get the confirmation that the mileage is accurate... do I buy it or not? I feel like I won't want to buy a car that has caused me so much trouble even before I owned it. But on the other hand, if the HPI check had been all clear to begin with, I'd have bought it...
Gosh this is pissing me off.
I phoned the finance company, who have told me that there is still finance on the car at this point. I have given them the name and phone number of the seller, they'll see that on Monday (no managers on Saturday apparently).
I phoned the seller again, and once again he tells me that he's just paid it off so the money hasn't reached the finance company yet (mh...), he will get a clearance letter, that I will be able to call them to confirm. He tells me he will sign a statement saying the mileage IS accurate (I still have to call Mazda on that one).
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
I told him that if I can't get confirmation of, at least, the finance and the mileage, I will want my deposit back. He acts all offended like "you don't trust me, you're worrying way too much, put your mind at ease, I will give you all the guarantees you need, blahblahblah".
So... yeah. I doesn't stink much less, and I'm getting ready to never see those £500 back. Question now is : if I indeed get the confirmation (not from his letter, but by calling the company) that the finance has been paid off, if I indeed get the confirmation that the mileage is accurate... do I buy it or not? I feel like I won't want to buy a car that has caused me so much trouble even before I owned it. But on the other hand, if the HPI check had been all clear to begin with, I'd have bought it...
Gosh this is pissing me off.
I wouldn't let some procedural bits put you off the car, if it's decent and you like it, then once it's all cleared up there's no reason not to go for it.
There is a certain amount of trust needed in anything like this, I expect my customers to trust me but I tell people straight about oustanding finance etc on HPI reports so it doesn't come as a shock if they decide to do it themselves after purchasing.
There is a certain amount of trust needed in anything like this, I expect my customers to trust me but I tell people straight about oustanding finance etc on HPI reports so it doesn't come as a shock if they decide to do it themselves after purchasing.
swisstoni said:
Deposits are quite scary things. You are actually entering into a contract to buy when you hand over a deposit.
seems not if the trader said this !but he said that if anyone had come and paid a higher deposit, they would've gotten the car !!!
I would ask for my money back, the cars def needs a PPI now and if any faults are found you could then get your deposit back.
A good trader will always give money back, even offer minus costs so say £400 back and learn a lesson to check/HPI a car 1st and never buy a car without seeing a V5.
Again if he won't give you the £500 or even £400 back it stinks of a bad car if they sell that fast.
you would be mad to buy the car without this as min now
http://www.rac.co.uk/buying-a-car/vehicle-inspecti...
Edited by PorscheGT4 on Saturday 27th June 10:37
Sawyer815 said:
Here are the news.
I phoned the finance company, who have told me that there is still finance on the car at this point. I have given them the name and phone number of the seller, they'll see that on Monday (no managers on Saturday apparently).
I phoned the seller again, and once again he tells me that he's just paid it off so the money hasn't reached the finance company yet (mh...), he will get a clearance letter, that I will be able to call them to confirm. He tells me he will sign a statement saying the mileage IS accurate (I still have to call Mazda on that one).
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
I told him that if I can't get confirmation of, at least, the finance and the mileage, I will want my deposit back. He acts all offended like "you don't trust me, you're worrying way too much, put your mind at ease, I will give you all the guarantees you need, blahblahblah".
So... yeah. I doesn't stink much less, and I'm getting ready to never see those £500 back. Question now is : if I indeed get the confirmation (not from his letter, but by calling the company) that the finance has been paid off, if I indeed get the confirmation that the mileage is accurate... do I buy it or not? I feel like I won't want to buy a car that has caused me so much trouble even before I owned it. But on the other hand, if the HPI check had been all clear to begin with, I'd have bought it...
Gosh this is pissing me off.
When I settled my finance through BMW, they faxed (remember them?!) a note to the dealer I was trading to that said they had no further interest in the car. They can email that as well. It might be that this hasnt been asked for, but whatever or however it's happened, I'd not be going ahead til you've got something from the finance company that says they're not interested in it anymore. That could come Monday if what the guy is saying is true. V5 tbh, wouldnt bother me all that much if it's already showing as no markers on the HPII phoned the finance company, who have told me that there is still finance on the car at this point. I have given them the name and phone number of the seller, they'll see that on Monday (no managers on Saturday apparently).
I phoned the seller again, and once again he tells me that he's just paid it off so the money hasn't reached the finance company yet (mh...), he will get a clearance letter, that I will be able to call them to confirm. He tells me he will sign a statement saying the mileage IS accurate (I still have to call Mazda on that one).
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
I told him that if I can't get confirmation of, at least, the finance and the mileage, I will want my deposit back. He acts all offended like "you don't trust me, you're worrying way too much, put your mind at ease, I will give you all the guarantees you need, blahblahblah".
So... yeah. I doesn't stink much less, and I'm getting ready to never see those £500 back. Question now is : if I indeed get the confirmation (not from his letter, but by calling the company) that the finance has been paid off, if I indeed get the confirmation that the mileage is accurate... do I buy it or not? I feel like I won't want to buy a car that has caused me so much trouble even before I owned it. But on the other hand, if the HPI check had been all clear to begin with, I'd have bought it...
Gosh this is pissing me off.
Sawyer815 said:
Here are the news.
I phoned the finance company, who have told me that there is still finance on the car at this point. I have given them the name and phone number of the seller, they'll see that on Monday (no managers on Saturday apparently).
I phoned the seller again, and once again he tells me that he's just paid it off so the money hasn't reached the finance company yet (mh...), he will get a clearance letter, that I will be able to call them to confirm. He tells me he will sign a statement saying the mileage IS accurate (I still have to call Mazda on that one).
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
I told him that if I can't get confirmation of, at least, the finance and the mileage, I will want my deposit back. He acts all offended like "you don't trust me, you're worrying way too much, put your mind at ease, I will give you all the guarantees you need, blahblahblah".
So... yeah. I doesn't stink much less, and I'm getting ready to never see those £500 back. Question now is : if I indeed get the confirmation (not from his letter, but by calling the company) that the finance has been paid off, if I indeed get the confirmation that the mileage is accurate... do I buy it or not? I feel like I won't want to buy a car that has caused me so much trouble even before I owned it. But on the other hand, if the HPI check had been all clear to begin with, I'd have bought it...
Gosh this is pissing me off.
You sound a bit naive to me regarding the finance. The finance is completely normal, and often can take 72 hours from paying to showing as cleared when paying BACS or a week if a cheque was paid and then you have to get them to assign it to the account and update the records.I phoned the finance company, who have told me that there is still finance on the car at this point. I have given them the name and phone number of the seller, they'll see that on Monday (no managers on Saturday apparently).
I phoned the seller again, and once again he tells me that he's just paid it off so the money hasn't reached the finance company yet (mh...), he will get a clearance letter, that I will be able to call them to confirm. He tells me he will sign a statement saying the mileage IS accurate (I still have to call Mazda on that one).
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
I told him that if I can't get confirmation of, at least, the finance and the mileage, I will want my deposit back. He acts all offended like "you don't trust me, you're worrying way too much, put your mind at ease, I will give you all the guarantees you need, blahblahblah".
So... yeah. I doesn't stink much less, and I'm getting ready to never see those £500 back. Question now is : if I indeed get the confirmation (not from his letter, but by calling the company) that the finance has been paid off, if I indeed get the confirmation that the mileage is accurate... do I buy it or not? I feel like I won't want to buy a car that has caused me so much trouble even before I owned it. But on the other hand, if the HPI check had been all clear to begin with, I'd have bought it...
Gosh this is pissing me off.
Call Mazda, and ask when they last saw the car and what mileage was on it?
It seems to me you have worried yourself over a load of nothing so far, not saying not good to be prudent, but no point putting yourself off a nice car just because you are getting a bit paranoid.
Sawyer815 said:
Here are the news.
...
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
...
That's helpful (in a few ways ...
He also told me that he hasn't sent the V62, he will do it as soon as I buy the car (which is probably, like edo said, to avoid adding a new owner if I don't buy it in the end).
...
); he is supposed to send off the V5C with your details on and give you the V62 (green slip titled "new keeper supplement") so you can tax the thing before you drive it away. Did he really say "V62" and not "V5C" or "registration document with your details on"? If so, he's talking bol err rubbish.And (not quoted) he is saying that he doesn't trust you??? Hell's donkeys!
He is a stronger seller to your weaker (OK, less-strong) buyer - see how he is trying to make you feel guilty now (so you'll feel obliged to go through with this)? 
Car itself seems reasonable from posts above - seems to me the seller has something to hide? Or perhaps I'm just a jaded observer of people and their actions...
I would like to know how you would tax this car with the new rules, As you won't be able to drive it away it seems even if you do buy it as the car will have no TAX.
Other people saying OK NOT to have a V5 is a joke, no V5 NO TAX no proof the car is what it is or is sold from where the V5 says.
NO one buys cars sans V5 it daft.
Other people saying OK NOT to have a V5 is a joke, no V5 NO TAX no proof the car is what it is or is sold from where the V5 says.
NO one buys cars sans V5 it daft.
Too many hurdles/problems/discrepancies for me. Personally id be getting my money back and walking away. Even if it goes through smoother than it looks like it will, could you trust this guy to fix anything if it went wrong a couple of days after purchase?
From a quick look on AT there are at least 10 more 1.8 MX5s with less than 50k and around £5.5k.
From a quick look on AT there are at least 10 more 1.8 MX5s with less than 50k and around £5.5k.
Sounds like a total ball ache. Might be worth the risk for a £1000 shed but I'm not sure I would want to take the risk of finance outstanding clocked car for this kind of money.
Did you pay the deposit in cash as well? Please tell me you paid on credit card and have some protection............
Did you pay the deposit in cash as well? Please tell me you paid on credit card and have some protection............
VolvoT5 said:
Sounds like a total ball ache. Might be worth the risk for a £1000 shed but I'm not sure I would want to take the risk of finance outstanding clocked car for this kind of money.
Did you pay the deposit in cash as well? Please tell me you paid on credit card and have some protection............
he paid on debit which is as good as cash :-( so no protection.Did you pay the deposit in cash as well? Please tell me you paid on credit card and have some protection............
I think you are all right. Yes, I am being a bit paranoid and suspicious, I've always been. And maybe this car is paid off, actually has 43k miles, and the V5c has actually been lost or whatever.
But, I also think this is too f
ked up to go on. Especially with this last thing I hadn't thought about : can't tax the car without the V5, so how am I going to drive it then?
I'll follow one of your advices, and ask for a refund, eventually just £400 out of the £500 to pay for the costs of taking the car off the market and what not. £100 is a lot, but it's still less than £500, and MUCH less than £5300. That'll teach me a lesson I guess.
Then again, asking for it is one thing, obtaining it is another...
But, I also think this is too f
ked up to go on. Especially with this last thing I hadn't thought about : can't tax the car without the V5, so how am I going to drive it then? I'll follow one of your advices, and ask for a refund, eventually just £400 out of the £500 to pay for the costs of taking the car off the market and what not. £100 is a lot, but it's still less than £500, and MUCH less than £5300. That'll teach me a lesson I guess.
Then again, asking for it is one thing, obtaining it is another...
Sawyer815 said:
PorscheGT4 said:
he paid on debit which is as good as cash :-( so no protection.
How is debit card not protection? I have a receipt at least... don't I ?But I would still be asking for my money back if I were you!
0a said:
Sawyer815 said:
PorscheGT4 said:
he paid on debit which is as good as cash :-( so no protection.
How is debit card not protection? I have a receipt at least... don't I ?But I would still be asking for my money back if I were you!
Happy to be corrected though.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff