WikiWirral its great, register, enjoy and welcome.
Forum Stats
12131 Members
65 Forums
72372 Topics
975930 Posts
61 posts in the last 24hrs
Max Online: 7831 @ 8th Apr 2013 4:18pm
Who's Online - Click Me
96 registered (11kendo, 16 invisible), 1479 Guests and 218 Spiders online.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


(Views 7days)This Weeks Most Read
Disgusting surely not legal creamfields noise !!@ 1076
anything with castors 701
Pensby Hotel 428
loud music in new brighton 397
Wirral Globe 308
Sports Personality Of The Year 299
Paying for EU Citizenship (Poll) 292
Cubitts Holland and Hannen 292
PC Repair needed 248
Raspberry Pi in the classroom! 223
New General Forums
Daft funny joke
by venice
1 second ago
We dont learn much.
by venice
Yesterday at 09:22 PM
Freegle
by venice
Yesterday at 06:36 PM
TPS failures
by venice
Yesterday at 02:41 PM
New Wirral History
Cubitts Holland and Hannen
by fish5133
27th Nov 2016 5:38pm
Fire station
by chris7777
22nd Nov 2016 12:24pm
Buy a house in Greasby for 12s a week - in 1935
by yoller
6th Oct 2016 6:56pm
North end bidston
by BennyBoy
27th Jun 2015 6:06pm
461 Collingwood, Black Horse Hill, West Kirby
by diggingdeeper
3rd Mar 2009 8:30pm
Forum Tips
Photo Gallery Forums
fireworks on the Mersey last night
Hadlow train station
Topic Replies
Wirral Globe
by dustymclean
54 minutes 52 seconds ago
anything with castors
by lincle
Today at 04:58 PM
Paying for EU Citizenship (Poll)
by Excoriator
Today at 04:46 PM
Raspberry Pi in the classroom!
by diggingdeeper
Today at 03:16 PM
Buy a house in Greasby for 12s a week - in 1935
by marty99fred
Today at 02:30 PM
Sports Personality Of The Year
by fish5133
Today at 02:25 PM
Disgusting surely not legal creamfields noise !!@
by Habdab
Today at 07:56 AM
Hi
by venice
Yesterday at 09:31 PM
54 plate renault clio 3rd brake light
by mikroc
Yesterday at 07:33 PM
December
M Tu W Th F Sa Su
1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30 31
Recent Posts : What's On ?
Wirral TUC Meeting re Update on Wallasey CLP Suspe
by RUDEBOX
30th Nov 2016 9:16pm
World Aids Day Event 2016. Liverpool
by RUDEBOX
30th Nov 2016 9:05pm
Topic Options
Rate This Topic
#162422 - 17th Jul 2007 8:34am Help?
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15985
Loc: New Brighton
Hi all, i`ve been offered this car very cheap by a local garage, only problem is that theres outstanding finance from 2002 on it.
What would happen if i bought it?
Could it get taken from me say if i was stopped by the po lice?
pc


Attachments: Viewing Permissions May Apply. Click Me
Photo-0081.jpg

Photo-0082.jpg

Photo-0083.jpg


_________________________


http://www.youtube.com/user/stetopop

Top
AutoWirral : Advertising
Click me for more Information......

* * * vipstudios.co.uk - Photographic Studios * * *
Now Advertise with WikiWirral.
WikiWirral stats 35,000 Page Views a Day +500 Search Engines.. Click Me
#162428 - 17th Jul 2007 9:21am Re: Help? [Re: _Ste_]
StuyMac Offline

Wiki Master

Registered: 24th Nov 2003
Posts: 12002
Loc: Wirralshire
If there is still finance outstanding on the car, in the eyes of the law, it still belongs to the finance company and can be repossessed frown

You could try and find out how much is still outstanding and pay it off if the car is really cheap and its worth it smile
_________________________


What If There Were No Hypothetical Questions?

Top
#162430 - 17th Jul 2007 11:31am Re: Help? [Re: StuyMac]
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 20958
Loc: Wirral
I believe its illegal to sell a car under finance? (Dont Quote me)

But if the finance details are not switched over
and they stop paying, you will loose the car.

You will probably incur a penalty from the finance
company too for the privilege of switching.

Unless you have the paper work amended in you favour
stay away mate, not worth the hassle if it goes wrong.
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
#162576 - 17th Jul 2007 9:30pm Re: Help? [Re: Mark]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15985
Loc: New Brighton
Thanks guys, i was told that the garage should sort it out?
Its just wierd because the garage i work for are selling one of these in worse condition n higher milage for 3500 quid.
This ones 1200 quid and is virtually mint with 106k on the clock 18" alloys mint leather etc but the plate dont come with it. This came in on p/x for the other garage.
Grr, its frustrating, lol smile
_________________________


http://www.youtube.com/user/stetopop

Top
#162581 - 17th Jul 2007 9:50pm Re: Help? [Re: _Ste_]
jonny boy Offline
Enthusiast

Registered: 23rd Jul 2005
Posts: 104
Loc: Barnston Ghetto
as above legally the finance company own the car, you buy it, they can reposses and your screwed (other than sueing the garage)
_________________________
1958 ford 100e
and coming soon saxo vts phase1

Top
#162634 - 17th Jul 2007 11:03pm Re: Help? [Re: jonny boy]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15985
Loc: New Brighton
I know what i`ll do shh
I`ll buy the car, then go back the garage a couple of days later and kick off, say you either sort it out or i want my dough back and i`ll go down the legal channels.
Then, that should scare them into sorting it right? whippy
Either that aor i`ll be stuck with it still on finance, lol shifty
Or i could just cover it up everywhere i go, lolol, it might be a bit hidden cos its goin back on its original plates too.
_________________________


http://www.youtube.com/user/stetopop

Top
#162665 - 17th Jul 2007 11:29pm Re: Help? [Re: _Ste_]
jonny boy Offline
Enthusiast

Registered: 23rd Jul 2005
Posts: 104
Loc: Barnston Ghetto
no mate, you'll get found when it gets insured, and your likely not to get a penny from the garage cos you bought it knowing it was outstanding finance.

_________________________
1958 ford 100e
and coming soon saxo vts phase1

Top
#162721 - 18th Jul 2007 2:54am Re: Help? [Re: jonny boy]
Pomp Offline

Forum Veteran

Registered: 19th Aug 2005
Posts: 5253
Loc: Wirral
There is a saying, if an offer is too gd to be true it is wink

Top
#162812 - 18th Jul 2007 9:35pm Re: Help? [Re: _Ste_]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Originally Posted By: Totopop
Its just wierd because the garage i work for are selling one of these in worse condition n higher milage for 3500 quid.
This ones 1200 quid and is virtually mint with 106k on the clock 18" alloys mint leather etc but the plate dont come with it. This came in on p/x for the other garage.
Grr, its frustrating, lol smile

The reason for this is because they can't shift it because it wont be HPI clear.

If the plod stop you, and do a check on the car, it will come up on their PNC as outstanding finance, and they may be able to sieze it, and if not, they will for sure inform the finance company who will almost certainly request that they hold it and then arrange for it to be picked up and returned to them.

Im not sure if it would come up on ANPR systems but it may do, maybe LTI could confirm this??

According to the Merseyside Police website (first link on Google when searching for "buying a car with outstanding finance - well done Merseyside Police lmao), you may not have any right to ownership over the vehicle if you buy it.

http://www.merseyside.police.uk/html/crimeprevention/personal/buying-cars/finance.htm

Now, if you purchase the car and play dumb/act innocent in it all, there is an extremely good chance you could attain full and legal ownership of the car according to Direct Line, as the Consumer Credit Act protects consumers from this sort of practice by Garages:

http://www.directline.com/motor/buyingprivate.htm

I personally wouldnt say its worth it matey. Just steer clear. But its upto you!

smile

Top
#162890 - 19th Jul 2007 12:10am Re: Help? [Re: jonny boy]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15985
Loc: New Brighton
Originally Posted By: jonny boy
no mate, you'll get found when it gets insured, and your likely not to get a penny from the garage cos you bought it knowing it was outstanding finance.



They didn`t know that i knew!
Anyway, sorted it out today and they are sorting it out for me anyway smile Thanks people for your help.
_________________________


http://www.youtube.com/user/stetopop

Top
#162895 - 19th Jul 2007 12:30am Re: Help? [Re: _Ste_]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
What ya mean, are they sorting things with the finance company before ye buy it like??

smile

Top
#162993 - 19th Jul 2007 11:17pm Re: Help? [Re: MattLFC]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15985
Loc: New Brighton
Originally Posted By: MattyC
What ya mean, are they sorting things with the finance company before ye buy it like??

smile

Apparently so, had a word with my boss and he spoke to them and they said it would be sorted.
If it aint it aint my problem, far as i`m concerned its clear, like you all said, its illegal to sell a car on finance.

Not 100% sure if i want it yet, well i do want it but its wether the fuel consumpsions any good because i think its a 3 litre and if i did get it, i`d be keeping it for a while.
Had the go ahead off the missus anyway, lol.
_________________________


http://www.youtube.com/user/stetopop

Top

Moderator:  StuyMac 
Random Wirral Images

Click to View Topic.
Newest Topics
Wirral Globe
by locomotive
Yesterday at 06:25 PM
54 plate renault clio 3rd brake light
by Mike72
Yesterday at 12:52 PM
Raspberry Pi in the classroom!
by FelixCowden
30th Nov 2016 9:27pm
Wirral TUC Meeting re Update on Wallasey CLP Suspe
by RUDEBOX
30th Nov 2016 9:16pm
World Aids Day Event 2016. Liverpool
by RUDEBOX
30th Nov 2016 9:05pm
For Sale & Free
Steam Train Money Box/Ornaments
by Tranquil
Yesterday at 11:32 AM
Childs LFC Bike 5 - 8 Yr old
by Pete_M
Yesterday at 01:10 AM
Cat related Collectables
by Tranquil
29th Nov 2016 4:48pm
original xbox
by vw_kyle
27th Nov 2016 8:17pm
anything with castors
by lincle
27th Nov 2016 4:06pm
Featured Member
Registered: 31st Jan 2014
Posts: 5535
Newest Members
uptonvillage, NobbyHunt, sam1512, ant72, benjamin17
12131 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Wirral Globe
by locomotive
Yesterday at 06:25 PM
Wirral TUC Meeting re Update on Wallasey CLP Suspe
by RUDEBOX
30th Nov 2016 9:16pm
World Aids Day Event 2016. Liverpool
by RUDEBOX
30th Nov 2016 9:05pm
A job. Company not named.
by venice
30th Nov 2016 6:30pm
Santa's Grotto at Tam O'Shanter 11th Dec.
by Greenwood
29th Nov 2016 1:44pm
News : New Topics
Pensby Hotel
by granny
29th Nov 2016 6:39pm
Paul Nuttall Elected UKIP leader
by granny
28th Nov 2016 12:03pm
Disgusting surely not legal creamfields noise !!@
by svenlock68
27th Nov 2016 8:25am
Paying for EU Citizenship (Poll)
by diggingdeeper
26th Nov 2016 12:35pm
Footballers--Abused
by fish5133
25th Nov 2016 3:46pm
New Enthusiast Forums
54 plate renault clio 3rd brake light
by Mike72
Yesterday at 12:52 PM
Raspberry Pi in the classroom!
by FelixCowden
30th Nov 2016 9:27pm
crop loss & water rationing in Dominican Republic
by FelixCowden
30th Nov 2016 8:46pm
PC Repair needed
by TudorBlue
29th Nov 2016 2:54pm
Sports Personality Of The Year
by fish5133
29th Nov 2016 12:32am
(Views 24hrs)Trending Newest Topics
Wirral Globe 308
We dont learn much. 41
Freegle 18
Daft funny joke 0
Wirral Sunrise Sunset
Sunrise Fri 8:08am
Sunset Fri 3:56pm
Local Time Fri 5:59pm
WikiWirral Can . . . .
Advertising Click me
To Advertise with
Wikiwirral Click Me