Cheapest HPi check?
Discussion
I used a text one a couple of times.
http://www.textcarcheck.co.uk/
Got all the stuff you need to know and prevented me from buying a Cat D. They're pretty basic but for £3 you cant really complain.
http://www.textcarcheck.co.uk/
Got all the stuff you need to know and prevented me from buying a Cat D. They're pretty basic but for £3 you cant really complain.
Sorry but only a fool would use these cheapo car data checks they do not reference against any finance owed or accident history.
Ok if spending just a few hundred pounds on a banger.
I tried one recently, sounded legitimate and fab value only £5 for one check, said the car was all clear; except I knew it was not as it had a BMW finance agreement on it from when it was new ( car was 30' months old). Cheapo text data checks have no access to finance records that HPI or Experian autocheck etc have.
Ok if spending just a few hundred pounds on a banger.
I tried one recently, sounded legitimate and fab value only £5 for one check, said the car was all clear; except I knew it was not as it had a BMW finance agreement on it from when it was new ( car was 30' months old). Cheapo text data checks have no access to finance records that HPI or Experian autocheck etc have.
Dracoro said:
I thought the RAC only covered up to £5k, not the £30k that HPI do. Also, I'm not sure the RAC included NMR data etc.
Just checked and it is £5k and not the £10k I thought it was. Currently £15.50 per check which is cheaper than Hpi. You need to give, VIN number, V5 Ref Number and Reg Number, which must all match records to qualify for the insurance.I've used them for the last few years but may need to reconsider with only £5k cover.
rallycross said:
Sorry but only a fool would use these cheapo car data checks they do not reference against any finance owed or accident history.
Ok if spending just a few hundred pounds on a banger.
I tried one recently, sounded legitimate and fab value only £5 for one check, said the car was all clear; except I knew it was not as it had a BMW finance agreement on it from when it was new ( car was 30' months old). Cheapo text data checks have no access to finance records that HPI or Experian autocheck etc have.
You may be right about the outstanding finance check, but it doesnt really matter. HPI came about as a trade reference; required because the law doesnt protect motor traders in the event that they buy a car which still has fincance outstanding. Private individuals, on the other hand, have nothing to fear, no matter what HPI would like you to think.Ok if spending just a few hundred pounds on a banger.
I tried one recently, sounded legitimate and fab value only £5 for one check, said the car was all clear; except I knew it was not as it had a BMW finance agreement on it from when it was new ( car was 30' months old). Cheapo text data checks have no access to finance records that HPI or Experian autocheck etc have.
If you buy a car in good faith then its yours and the finance company can only pursue the dishonest seller. This contradicts internet forum lore, I realise, but its been the actual law since about 1964.
Yes really. Research the Hire Purchase Act (1964).
The law is very clear - if you buy a car in good faith (either unknowing or having been told that the finance will be settled) then you obtain good title to the vehicle. Its yours and it cant be repossessed; the lender can only pursue the dishonest vendor.
/pub & internet myth
The law is very clear - if you buy a car in good faith (either unknowing or having been told that the finance will be settled) then you obtain good title to the vehicle. Its yours and it cant be repossessed; the lender can only pursue the dishonest vendor.
/pub & internet myth
When I bought a Boxster a few years ago it came back as HPI clear (this was the proper HPI check not a cheap version). I already knew that there was a finance agreement outstanding on the car with Porsche Finance as the seller told me.
Re: The guarantee....there is a lot of small print about the receipt you must have in order to qualify for HPI's guarantee and I have never had a receipt with that level of detail on.
Given the above comment it may not be relevant but if you do want to claim from HPI make sure you have the correct receipt and have adhered to the rest of the small print.
Re: The guarantee....there is a lot of small print about the receipt you must have in order to qualify for HPI's guarantee and I have never had a receipt with that level of detail on.
Given the above comment it may not be relevant but if you do want to claim from HPI make sure you have the correct receipt and have adhered to the rest of the small print.
GC8 said:
Yes really. Research the Hire Purchase Act (1964).
The law is very clear - if you buy a car in good faith (either unknowing or having been told that the finance will be settled) then you obtain good title to the vehicle. Its yours and it cant be repossessed; the lender can only pursue the dishonest vendor.
/pub & internet myth
Research the Bill of Sale Act (1878) and think again.The law is very clear - if you buy a car in good faith (either unknowing or having been told that the finance will be settled) then you obtain good title to the vehicle. Its yours and it cant be repossessed; the lender can only pursue the dishonest vendor.
/pub & internet myth
GC8 said:
Youre talking about log book loans I will guess? The HPA doesnt give you any protection there, but its a completely different proposition and it isnt car finance.
I am and according to the government investigation into the practice last year one company was financing cars using the Bill of Sale method. Gassing Station | Car Buying | Top of Page | What's New | My Stuff