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#162422 - 17th Jul 2007 8:34am Help?
_Ste_ Offline


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Registered: 7th Aug 2005
Posts: 15988
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?
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#162428 - 17th Jul 2007 9:21am Re: Help? [Re: _Ste_]
StuyMac Offline

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


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Registered: 9th Nov 2003
Posts: 21031
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.
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#162576 - 17th Jul 2007 9:30pm Re: Help? [Re: Mark]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15988
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
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#162581 - 17th Jul 2007 9:50pm Re: Help? [Re: _Ste_]
jonny boy Offline
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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)
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#162634 - 17th Jul 2007 11:03pm Re: Help? [Re: jonny boy]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15988
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.
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#162665 - 17th Jul 2007 11:29pm Re: Help? [Re: _Ste_]
jonny boy Offline
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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.

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#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

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

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


Wiki Master

Registered: 7th Aug 2005
Posts: 15988
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.
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#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

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


Wiki Master

Registered: 7th Aug 2005
Posts: 15988
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.
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