Is there a way to do a Free HPI check?
#2
#4
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.
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Leave your hpi check until you have found a suitable car but before you pay any money.
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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.
Leave your hpi check until you have found a suitable car but before you pay any money.
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.
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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.
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.
#15
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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.
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.
#18
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.
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.
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.
Last edited by Dedrater; 22 January 2012 at 02:07 PM.
#19
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.
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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.
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