Car Dealership isn't on company house

[jay44]

Hiya,

So I found a decent motor but the dealer isn't listed on Company House. Whilst I'm aware it's only for Ltd companies, there should be no reason why a car dealer shouldn't be on there - or is there?

The reason why it bothers me because I want to put down a deposit on the motor, and I want the credit card protection on a £100+ transaction (still works on part payment for something).

Thoughts?

[jay44]

What dyou mean by "trading as"?

Hi again marshalla, are you saying lll be covered with credit card protection regardless that the dealer isn't registered?

....

So let me get this right: as long as I'm ABLE to use a credit card to pay, I'm automatically covered on the refundable deposit?

[jay44]

If you're going to say someone's wrong, can you provide a counter argument please?

I'm just looking for a definitive answer, for this specific situation

[jay44]

Turbodiesel1976 said:

You're overthinking this OP

- being safe, isn't overthinking, it's wise

berlintaxi said:

jay44 said:

So let me get this right: as long as I'm ABLE to use a credit card to pay, I'm automatically covered on the refundable deposit?

What do you mean by this, has the dealer agreed the deposit is refundable?

- yes, over the phone, and will put in writing on request (will make sure this happens before I pay a penny)

red_slr said:

jay44 said:

Hiya,

So I found a decent motor but the dealer isn't listed on Company House. Whilst I'm aware it's only for Ltd companies, there should be no reason why a car dealer shouldn't be on there - or is there?

The reason why it bothers me because I want to put down a deposit on the motor, and I want the credit card protection on a £100+ transaction (still works on part payment for something).

Thoughts?

Just to try and answer the OP.
If the dealer are LTD it will have to state this somewhere. Their company number will be on documents etc.
If they are not LTD they will not be on CH.

There are plenty of small businesses (and some larger ones!) that are partnerships etc. Wont be on CH.

Yes, your CC will protect you for the purchase price. I think that's what you are asking. So yes if you pay the deposit on CC then the whole cost of the car will be covered by the CC company.

My only doubt is I don't know if that protection covers used goods.

So for example you have a new kitchen fitted. Its £20k. You pay £1k deposit on your CC and £19k on completion on your debit card. The CC cover the full £20k so if it falls to bits 2 weeks later they will go after the company for £20k (or whatever).

- yeah I was aware about the partial payment as long as the partial ranged from £100-30k, credit cards will cover used cars in general. thank you for going for the original question!

22Rgt said:

[quote=confused_buye
Who are they, I might be able to look into them.

With regards to your Consumer Credit Protection, as you are buying on credit (via card company) you are protected by the card company.
The dealer MUST provide at least 3 Months warranty by law so if there are any issues with the car and the dealer is trying to get out of it (no not a broken bulb etc but genuine issue), contact your card company who will rain hell on the dealer to get it fixed under warranty (they have a bigger stick than you).

Good luck

Complete load of old bks. As long as the car is as described theres no obligation to supply any kind of warranty whatsoever. Example- 12 year old car with over 100k miles for £995...just how could anyone warrant a car like this?? Its like going to buy an old rusty washing machine and asking for a warranty

- The dealership is Jonathan Gold, based in Richmond, London. Many thanks in advanced! haha how ironic, the car I'm after has got VERY similar, almost identical stats as that. Not fussed about the warranty, just about refunding the deposit before I get a chance to look at the car and find out it's dodgy (deposit to be paid to take the car off the market to secure the purchase for me) I want a car like that because it's my first owned car and want things to go wrong so I can learn to fix them! (2nd car driven though, virginity lost to Hyundai Getz 1.1 <3 )

Claudia Skies said:

1. If you pay by credit card you have "credit risk" protection if the dealer lets you down. The identity of the dealer (sole trader/partnership/limited company) is irrelevant. Essentially your contract is with the credit card company and unless they go bust (!) you're OK.

2. SOGA imposes some contractual warranties but they are NOT the same as having a comprehensive warranty on a car and they do NOT apply for any specific period. Put bluntly, unless you have substantially overpaid for a car that turns out to be an absolute heap of junk, not as described and probably unsafe, you can forget it.

marshalla said:

Claudia Skies said:

1. If you pay by credit card you have "credit risk" protection if the dealer lets you down. The identity of the dealer (sole trader/partnership/limited company) is irrelevant. Essentially your contract is with the credit card company and unless they go bust (!) you're OK.

But that DOES NOT guarantee that you'll get your deposit back.

marshalla said:

Claudia Skies said:

Of course not. That wasn't the question I was answering. It's protection against "breach of contract" not "changing your mind".

Quite, but

jay44 said:

So let me get this right: as long as I'm ABLE to use a credit card to pay, I'm automatically covered on the refundable deposit?

OP seems to be a little uninformed about business generally, so I thought it might be wise to make the point a bit more clearly.

- you two have confused me. yeah, this is my first big "real" purchase, i'm a complete noob about credit cards. I now get the type of business is irrelevant, but I feel like there are discrepancies in your answers. At this stage I'm only concerned about getting the deposit back, that was agreed to be refundable, if the dealer says no, before the deal is complete. The idea is I'm paying the deposit to take the car off the market, then will go to see it when I have time - due to a very busy work schedule.

[jay44]

Transiter said:

Example- 12 year old car with over 100k miles for £995

jay44 said:

- The dealership is Jonathan Gold, based in Richmond, London. Many thanks in advanced! haha how ironic, the car I'm after has got VERY similar, almost identical stats as that. Not fussed about the warranty, just about refunding the deposit before I get a chance to look at the car and find out it's dodgy (deposit to be paid to take the car off the market to secure the purchase for me) I want a car like that because it's my first owned car and want things to go wrong so I can learn to fix them! (2nd car driven though, virginity lost to Hyundai Getz 1.1 <3 )

All this paying by CC was over a car that cost £995. FFS.

- Don't be so arrogant. I'm a a student, that's a considerable sum for me to just throw away. And even if I wasn't, what if I was poor, and just wanted to be careful? If you don't want to help, great, but take that st elsewhere mate

[jay44]

I'm not having a go, but a lot of people are not answering for this scenario / are giving a different scenario which isn't relevant. Just after a direct answer to my unique situation :/

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After_Shock said:

Personally I don't see the issue.

If the company accepts a card payment its a company, if they take the money and then vanish the card company will refund it.

If the cars a shed it could be a shed at a sole trader company, LLC, LTD, etc etc every car is different.

No card company will guarantee the refund of a deposit that is down to the dealer, if you pay a deposit and turn up after a week to view it and the cars an absolute mint one and you simply say I don't like the colour, the dealer might have been able to sell this car several times in that week so will have every right to not refund it.

Ask the right questions and try pay a deposit near the time you can go view it, which being a student surely you have nothing to do and can go the same day

- The situation is not if I'm being picky on the colour or similar, it's if it's not what I thought I was getting before. Something like colour you'd know before you even turn up. If I genuinely had nothing to do but sleep I'd be omw home to go see it haha

, well said.

-cheers!

POORCARDEALER said:

Ive just choked on my conflakes readng this....

You are buying a car for £995.

You are checking on companies house about them.

You are going to pay on credit card and try and use legislation as some sort of warranty

Facts:

Student or not, you are buying something near the end of its life, it will need constant tinkering to keep it roadworthy...the protection offered by the credit card companies is not a magic wand, £995 gets you a runner,nothing more, nothing less.

My suggestion is stick to the bus until you have a budget that matches your expectatons.

-Not that it's relevant to anything, but serves you right for eating cornflakes. Go back and read what I'm actually looking to protect, because it's not the car from being dodgy. Again, I've said I want it to be in bad shape so I can learn to fix things. Finally, there are no buses where I am, it's essential to get about by car. I'm 21... bit to old to rely on mum, don't you think?

loose cannon said:

Oh dear seems being careful and poor these days tends to upset the ph company director massive
Give the poor lad a break he just wants some help off the experts as he isn't sure about any of it
Now he is probably confused.com

-I'm quite heavy headed, I can take it, but cheers all the same!

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Just to end: can people please make sure they actually read the OP. I don't care if the car breaks down after 10 miles, that is not what I'm asking. I'm just asking about the deposit. I will have someone come with me to have a look at the motor when the time comes for that to see what its condition is like. The car also comes with FSH