Bought a used vehicle turned out it’s not hpi clear!
Discussion
Hi guys! I need some help I bought a vehicle a few days ago buying from a lady she showed me the reports of hpi clear etc so I paid in full and brought it home. Got the tyres changed etc. It didn’t drive as smooth as it should it’s a golf automatic 62 plate, nothing fancy. So decided to do a hpi check and its come with some shocking information!! The car has been on finance with two different companies one takes out June 2019 and one taken out July 2019, which I believe won’t be paid off by now?? Also it’s in CAT S !! Which the seller never declared. So basically I’ve been scammed... now she claims she didn’t know about all this as it was before her ownership. I’m stuck with the car now!! I can’t sell cuz it’s not hpi clear!! I need help!!! What can be done!! Can I take the lady to small claims court??? I don’t know what to do!!!
Small claims court. I have taken this route with a private seller of a vehicle who refused to offer any recompense in a similar situation.
It was a low value car but I did it more out of principle as if the shoe was on the other foot I would play ball.
Anyway, after his initial refusal it got to the mediation stage and a rebate was agreed (this was what I was aiming for as the car was otherwise ok)
It was a low value car but I did it more out of principle as if the shoe was on the other foot I would play ball.
Anyway, after his initial refusal it got to the mediation stage and a rebate was agreed (this was what I was aiming for as the car was otherwise ok)
Yeah I’ve got the screenshot of it. Same it’s not about the car now it was £3400 but it’s more about the principal. Now when I’m questioning her she’s going on about me harassing her! I was like I’m stuck with a car which has two finances on it and an accident so I can’t even sell it. And looking at hpi agreements private seller needs a letter from finance company to say that person is allowed to sell the car!! But two different finances on the same car a month apart!! How is that even possible and but the looks of it it has a 60 month finance and a 36 month so it’s till 2024!
Sorry to hear about your problems.
Have a look at this (especially the bit in bold):
Buying privately is one of the riskiest ways of buying a car. If something goes wrong with it you don’t have as much legal protection as you would if you’d bought the car from a dealer.
[b]The car must match the seller’s description, be roadworthy and the seller must have the legal right to sell it to you.
In other words, the car must work, meet the legal requirements for being driven on public roads, and be owned by the seller.[/b]
But you are responsible for ensuring the car is “of satisfactory quality’’ and “fit for purpose” before you buy it.
Watch out for any unscrupulous sellers pretending to be private owners so they can offload faulty or stolen cars.
If the car is on HP or PCP, then the car is owned by a finance company and so, cannot be sold
https://www.autotrader.co.uk/sell-my-car/advice/ho...
"However, selling a car with outstanding finance without telling the buyer is illegal. Until the finance is settled (i.e. until you reach the end of the finance term), the car is still owned by the finance company, so it’s not yours to sell."
So if the car is still on finance, it would appear that the seller has acted illegally. This seems as good advice as any on the 'net.
https://www.whatcar.com/advice/buying/what-happens...
Bottom line: formal communication with the seller, outline the issues and what you want to do, record everything, don't lose your s**t with the seller - they might not know have intentionally acted illegally. Citizen's Advice are good too.
Have a look at this (especially the bit in bold):
Problems with used cars bought privately
Buying privately is one of the riskiest ways of buying a car. If something goes wrong with it you don’t have as much legal protection as you would if you’d bought the car from a dealer.
[b]The car must match the seller’s description, be roadworthy and the seller must have the legal right to sell it to you.
In other words, the car must work, meet the legal requirements for being driven on public roads, and be owned by the seller.[/b]
But you are responsible for ensuring the car is “of satisfactory quality’’ and “fit for purpose” before you buy it.
Watch out for any unscrupulous sellers pretending to be private owners so they can offload faulty or stolen cars.
If the car is on HP or PCP, then the car is owned by a finance company and so, cannot be sold
https://www.autotrader.co.uk/sell-my-car/advice/ho...
"However, selling a car with outstanding finance without telling the buyer is illegal. Until the finance is settled (i.e. until you reach the end of the finance term), the car is still owned by the finance company, so it’s not yours to sell."
So if the car is still on finance, it would appear that the seller has acted illegally. This seems as good advice as any on the 'net.
https://www.whatcar.com/advice/buying/what-happens...
Bottom line: formal communication with the seller, outline the issues and what you want to do, record everything, don't lose your s**t with the seller - they might not know have intentionally acted illegally. Citizen's Advice are good too.
Well if someone is showing you a whole report you’d trust that won’t you! And it was my first time buying it private so I guess it was my fault. And now she’s refusing even knowing the car was financed and she bought it private too!! But basically she’s sold me something that’s not hers... it’s technically owners bu the bank or two banks by the looks of it! Either she’s been scammed as well or she’s just done it to me no body knows! Waiting till tomorrow to ring citizen advice to see what they say!
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