Am I right walking away from this?
Am I right walking away from this?
Author
Discussion

un1corn

Original Poster:

2,143 posts

166 months

Saturday 8th February 2020
quotequote all
I've bought cars for years and years and never had a problem.

Found a beautiful, low mileage and well priced Jag XF the other day. Put a £99 deposit to reserve it, with a view to go and drive 3 hours tomorrow to pick it up.

The mileage was very low, but it was only 18 months old. The pictures and video seemed clean, salesman friendly etc. It was one of these 'car supermarket' style places, which I usually avoid like the plague, but this car ticked all the boxes.

This morning, I had a bad feeling. I've never bought a lemon before, but something screamed at me to check it out.

I chucked £20 at a HPI and found out the car still has outstanding finance with BMW Financial. I rang them but they refused to tell me anything for data protection.

I'm waiting for the garage to ring me to get my deposit back and tell them to fk off.

I'm right in walking away from this aren't i? It's a shame because it was a beautiful, impeccable car.

andyalan10

536 posts

166 months

Saturday 8th February 2020
quotequote all
Or you could say to the garage that you don't want to proceed until you've seen proof of the finance being cleared.

But telling them to F*** Off will achieve much more.

Andy

CRA1G

7,239 posts

224 months

Saturday 8th February 2020
quotequote all
un1corn said:
I'm waiting for the garage to ring me to get my deposit back and tell them to fk off.
I'm sure they won't be disappointed at losing your business....




Mandat

4,608 posts

267 months

Saturday 8th February 2020
quotequote all
un1corn said:
I've bought cars for years and years and never had a problem.

Found a beautiful, low mileage and well priced Jag XF the other day. Put a £99 deposit to reserve it, with a view to go and drive 3 hours tomorrow to pick it up.

The mileage was very low, but it was only 18 months old. The pictures and video seemed clean, salesman friendly etc. It was one of these 'car supermarket' style places, which I usually avoid like the plague, but this car ticked all the boxes.

This morning, I had a bad feeling. I've never bought a lemon before, but something screamed at me to check it out.

I chucked £20 at a HPI and found out the car still has outstanding finance with BMW Financial. I rang them but they refused to tell me anything for data protection.

I'm waiting for the garage to ring me to get my deposit back and tell them to fk off.

I'm right in walking away from this aren't i? It's a shame because it was a beautiful, impeccable car.
Is the car a lemon then, or is there another problem with it?

It's common when cars have outstanding finance on them for it to paid off when ownership changes. If it's at a car supermarket, it might be the dealers stocking finance that is being shown up against the car

You say that you've bought cars for years & years, so surely you would be well versed in such situations by now?

davek_964

11,209 posts

204 months

Saturday 8th February 2020
quotequote all
If you only HPI cars when you have a bad feeling, I think you've been quite lucky previously!

ZX10R NIN

30,521 posts

154 months

Saturday 8th February 2020
quotequote all
This really is a non issue call the garage get them to sort the finance, it may mean you collect it next week rather than tomorrow.


As above why wouldn't you HPI a car before or during the viewing, you'd have saved yourself this thread wink

brman

1,233 posts

138 months

Saturday 8th February 2020
quotequote all
ZX10R NIN said:
This really is a non issue call the garage get them to sort the finance, it may mean you collect it next week rather than tomorrow.


As above why wouldn't you HPI a car before or during the viewing, you'd have saved yourself this thread wink
if I read the OP right he has not actually seen the car yet........

ZX10R NIN

30,521 posts

154 months

Saturday 8th February 2020
quotequote all
If that's the case my point still stands OP was happy to reserve a car without checking it out first.

Jamescrs

6,340 posts

94 months

Saturday 8th February 2020
quotequote all
Seems like a bit of an overreaction to me, probably a genuine explanation for it.

As a side I bought a car from car supermarket, and Audi A4 and it was probably one of the easiest buying experiences I have ever had. Don't see a reason to avoid them personally.

Pica-Pica

16,534 posts

113 months

Saturday 8th February 2020
quotequote all
CRA1G said:
un1corn said:
I'm waiting for the garage to ring me to get my deposit back and tell them to fk off.
I'm sure they won't be disappointed at losing your business....
No they won’t. But he is coming over all macho to be ‘one of the PH lads’. Pathetic really.

Muzzer79

13,022 posts

216 months

Saturday 8th February 2020
quotequote all
un1corn said:
I've bought cars for years and years and never had a problem.

Found a beautiful, low mileage and well priced Jag XF the other day. Put a £99 deposit to reserve it, with a view to go and drive 3 hours tomorrow to pick it up.

The mileage was very low, but it was only 18 months old. The pictures and video seemed clean, salesman friendly etc. It was one of these 'car supermarket' style places, which I usually avoid like the plague, but this car ticked all the boxes.

This morning, I had a bad feeling. I've never bought a lemon before, but something screamed at me to check it out.

I chucked £20 at a HPI and found out the car still has outstanding finance with BMW Financial. I rang them but they refused to tell me anything for data protection.

I'm waiting for the garage to ring me to get my deposit back and tell them to fk off.

I'm right in walking away from this aren't i? It's a shame because it was a beautiful, impeccable car.
Not sure why you think it’s a lemon.

Just phone the dealer and ask what the deal is with the finance. If it’s a big car supermarket, they’re not going to sell you a car with a load of finance outstanding on it - not worth it to their reputation.

The only thing in your post that raises is an eyebrow for me is why an 18 month old car with low mileage that’s impeccable is in a car supermarket and not at a main dealer as an AUC.
But that can happen from time to time.

Driver101

14,451 posts

150 months

Saturday 8th February 2020
quotequote all
ZX10R NIN said:
As above why wouldn't you HPI a car before or during the viewing, you'd have saved yourself this thread wink
Who runs a HPI check before seeing a car?

Personally I go see the car before paying for a HPI check. It would get very expensive if I paid for a HPI check for every car I've walked away from due to issues with the car.

Tyre Tread

10,676 posts

245 months

Saturday 8th February 2020
quotequote all
I ask the garage to show me a clear HPI report to show no finance or Cat issues.

ZX10R NIN

30,521 posts

154 months

Saturday 8th February 2020
quotequote all
Driver101 said:
Who runs a HPI check before seeing a car?

Personally I go see the car before paying for a HPI check. It would get very expensive if I paid for a HPI check for every car I've walked away from due to issues with the car.
I do every time as it helps me decide if I want to view especially when I've discovered that the cars a Cat'd car but the advert doesn't list it as such.

Who wants to travel a distance & then find out that plus three cars for £20 isn't a mad expense.

SteveR1979

601 posts

170 months

Saturday 8th February 2020
quotequote all
Mandat said:
If it's at a car supermarket, it might be the dealers stocking finance that is being shown up against the car
With BMW finance?

I doubt it

CAPP0

20,836 posts

232 months

Saturday 8th February 2020
quotequote all
I don't know how many cars a car supermarket has in stock at any one time; let's say 200.

Average price? Let's say £15,000.

That's £3m tied up in stock. Not many car dealers have the much of a float. It's on finance to the dealer/supermarket, and it'll clear as soon as you pay for it.

Equally, I very much doubt the supermarket bought it without running check themselves first, or they'd be losing cars/money hand over fist.

Edited by CAPP0 on Saturday 8th February 18:39

Driver101

14,451 posts

150 months

Saturday 8th February 2020
quotequote all
ZX10R NIN said:
Driver101 said:
Who runs a HPI check before seeing a car?

Personally I go see the car before paying for a HPI check. It would get very expensive if I paid for a HPI check for every car I've walked away from due to issues with the car.
I do every time as it helps me decide if I want to view especially when I've discovered that the cars a Cat'd car but the advert doesn't list it as such.

Who wants to travel a distance & then find out that plus three cars for £20 isn't a mad expense.
I've never ran a HPI check to find a car was previously written off. That is very rare and any credible dealer will have done their homework first.

Only once have I walked away from a car that was tied to finance and the owner had been deceiving about it.

I've walked away from tons of cars due to poor condition, accident repairs or not as described. Nothing that a HPI check would throw up.

shake n bake

2,221 posts

236 months

Saturday 8th February 2020
quotequote all
un1corn said:
I've bought cars for years and years and never had a problem.

Found a beautiful, low mileage and well priced Jag XF the other day. Put a £99 deposit to reserve it, with a view to go and drive 3 hours tomorrow to pick it up.

The mileage was very low, but it was only 18 months old. The pictures and video seemed clean, salesman friendly etc. It was one of these 'car supermarket' style places, which I usually avoid like the plague, but this car ticked all the boxes.

This morning, I had a bad feeling. I've never bought a lemon before, but something screamed at me to check it out.

I chucked £20 at a HPI and found out the car still has outstanding finance with BMW Financial. I rang them but they refused to tell me anything for data protection.

I'm waiting for the garage to ring me to get my deposit back and tell them to fk off.

I'm right in walking away from this aren't i? It's a shame because it was a beautiful, impeccable car.
Why do you think that it having a finance marker makes it a lemon?
The car may only have arrived in to stock this week, by the time the settlement is paid and then the marker is lifted, these all take a bit of time to action.
Sounds like buyers remorse more than a lemon to me.

Butter Face

34,679 posts

189 months

Saturday 8th February 2020
quotequote all
un1corn said:
I'm waiting for the garage to ring me to get my deposit back and tell them to fk off.
rofl

Really?

Mexman

2,442 posts

113 months

Saturday 8th February 2020
quotequote all
Buyers remorse before you have even bought it.
More than likely, the car is new stock and finance has been cleared, but these things can take time to filter down to HPi.
Ask the dealer for proof of finance clearance, they should be able to provide evidence of this easily.
Or you could just tell them to fk Off as you so politely state, in which case, I hope they boot you off the premises with a muddy size 9.
HTH.