pimmo2000

iTrader: (6)

Loads of spam sites, but the cheapest pay site I found was £19.99 ..

That's fine if I want to buy the car (100%) but just checking one I'm interested in, is a bit steep ..

Any suggestions ?

Fleetster

very basic but it works
http://www.freecarcheck.org/

andy97

iTrader: (1)

Do your research as best you can, its a price you have to pay to get detailed information. If your Tyre kicking then you are not serious about buying

Luan Pra bang

Depends on what you want to find out, 83600 is about £3.50 and will tell you if a car is stolen, what the chassis number is and if it is listed as an insurance write off. For a full HPI check it will tell you if there is outstanding finance on a vehicle, this is a con IMO as it should be the financne companys job to make it easy to check this but if you get a signed disclaimer from the vehicles previous owner guaranteeing that there is no outstanding finace on the vehicle then you should be fine.

scubbay

iTrader: (61)

Quite possibly the worst advice Ive ever read on scoobynet! If the seller is dishonest enough to sell a car with active finance signing a disclaimer wont be an issue. The car belongs to the finance company and they will reposess from whoever has it regardless.
Leave your hpi check until you have found a suitable car but before you pay any money.

pimmo2000

iTrader: (6)

So for every single car you look at you pay £20 ?

BS

PaulC72

Why not view the car if you like it do a HPI on it using your phone?

sparkykev

I've used www.mycarcheck.com before, £4.95 for basic, £9.95 with finance check etc.

pimmo2000

iTrader: (6)

Distance mate .. would rather know before ..

PaulC72

Ah does cause a problem m8.

GC8

You have no idea what youre talking about - which must make yours the worst edvice that Ive ever read on ScoobyNet!

The person you quoted is absolutely correct. The car doesnt belong to the finance company, because good title is passed to the private buyer, and it has done since the Hire Purchase Act 1964, which specifically protects buyers in this circumstance.

If you buy a car ignorant of the outstanding finance, or if youre told itll be settled and isnt, then the car is yours and the finance company may only pursue the dishonest vendor for their money.

OP: Id use mytextcheck, its cheap and whilst it doesnt provide much in the way of guarantees, its good enough for most peoples needs.

RobsyUK

iTrader: (2)

You can always contact the police and asdk if they have the reg on file... then check the milage by previous MOT's online.

I used the AA checker guy when I purchased an escort and was happy with the report & feedback.

scubbay

iTrader: (61)

Unless the law is different to N.I (which is possible) my comment is accurate from experience. Surely any other way would be wildly open for abuse?

53

iTrader: (41)

Just pay for a proper one A guy I know had his car repo'd because of finance 3 owners ago. car had been taken in px and sold on twice as a px before he registered it. Once registered they knew where to repo it from.

Boro

iTrader: (1)

There's no way I would buy a car on finance even if I had a signed letter written in blood from the previous owner.

In that case, I would verify the outstanding amount and pay the finance company their share and the owner whatever was left.

If they refuse, it just proves they have no interest in settling the finance amount.

andy97

iTrader: (1)

£20 is nothing considering you could be spending possibly thousands. Also consider the time and fuel costs travelling around looking at cars.

Research first, if its a good car then spend on HPI

Kevin_STI

iTrader: (57)

Send me the details mate and I'll run through our system at work, our system also give you CAP / Glasses guide value too

I'll copy and paste the details or can stick the report in the post if needs be

Kev

Dedrater

This is not correct.

Most agreements will grant the finance company an interest in the vehicle, which basically means they have some legal ownership. If the finance has not been paid off by the previous keeper, then the finance company can repossess the car you have just bought as a private buyer.

It is actually against the law to sell a car if it still has finance on it anyway, so I can not see how the Hire Purchase Act helps a private buyer.

Luan Pra bang

Without going into it if you know what to do you can by a strapper and force the finance company to relinquish their claim to the vehicle, if you are a trader though the 'taking reasonable steps' aspect means you have to hpi the car, if not a trader then you can quite rightly demonstrate that you took reasonable care to establish ownership of the car. Finance companies are theiving ***** when it comes to it.

scubbay

iTrader: (61)

Ashtray on a motorbike. A HPI only indemnifies the person/company that paid the fee. You may have all the free hpi's you like but they are of no use to you legally.
Pay the fee you miserable sod.