Check for outstanding finance on a car

An HPI Check is usually performed just before purchasing a used car from a dealer or a private buyer to discover whether the vehicle has a hidden history. The check can reveal vital alerts that can help protect used car buyers from fraudsters.


  • Outstanding Finance Check.
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  • Important questions to ask the seller;
  • Can I sell my car with outstanding finance?.

An HPI Check does not only check the history of used cars but can be used to check any vehicle that is registered with the DVLA including; vans, motorbikes, quad bikes and motor homes. The HPI Check produces a vehicle history report that includes a check on the following: [8]. Road tax status: It isn't legal to use a car on a public road if it isn't taxed. However, when a vehicle is sold, its road tax is automatically cancelled and the new owner has to tax the car in their own name.

As well as these pieces of information, the full specification of a car is also included as part of the HPI Check.

Get Free Car Check On Outstanding Finance Of Any Used Car With Car Analytics

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If you close this message or continue browsing, we will take it that you consent to this and we won't remind you again. For more information about our Cookies, please read our Privacy Policy. Checking for any outstanding finance when you buy a car Published 6 March by Emily Bancroft Unpaid finance on used cars is on the increase. Rising problem According to figures from online used vehicle checker My Car Check, the number of unpaid finance alerts on used cars is up 16 per cent compared with the same time a year ago. If light clusters are not the same make, they may have been damaged and replaced after a crash.

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Other signs of damage, wear and tear such as rust under the sills or wheel arches. Ask about any signs of leaks on the ground around the car.

Your Rights: What You Can do Once You find out You Bought a Car with Outstanding Finance

There could be a simple explanation for this but you should always ask. Check the spare wheel and full wheel replacement kit. Pull out the oil dip stick, wipe it and put it back in again. And now pull it back out and see where the oil comes to. At the end of the stick about an inch up you should see two markings, one for min. The oil should be up near the max, not very low and not over filled both are as equally damaging. Check inside the car Check the reading displayed on the odometer.

It will be displayed in miles or kilometres. The average annual mileage of petrol cars is about 17, kilometres 10, miles.

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Diesel cars, if they have been used for business purposes, could have an average of about 24, kilometres 15, miles. Ask the seller to confirm in writing the correct mileage reading before you buy the car. Turn the ignition onto the first click and all the warning lights should flicker on. Make sure all these lights come on airbag etc. Check the wear and tear inside the car on the seat covers, pedal rubbers, gear knob or steering wheel to see if it is consistent with the displayed odometer reading.

Test drive the car Take the car for a test drive before you buy it. This may not be possible if you buy the car at an auction.

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Check the history of the car There are a number of companies who can check the history of a car for you for a fee, you can search online to find the right service provider. This check may uncover details which the seller is trying to hide such as whether or not the vehicle was ever written-off, the true mileage of the vehicle or if there is outstanding finance on the vehicle.


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You should be looking to at least get the previous recorded odometer readings, details of any insurance claims or if the car has been used as a taxi and details of any crashes Check the registration You can check if someone else has just bought this car, realised it has a fault and tried to sell it before it costs them any more money. Check if there is outstanding finance on the car Check that the car is not under any existing finance agreement. If it is, the person trying to sell the car does not actually own it and does not have the right to sell it to you.

There are companies that keep records of cars subject to hire purchase and PCP agreements, so check if they have details of the car you are looking at. You will be charged a small fee for this service.

watch All SIMI Society of Irish Motor Industry dealers have access to a car history check service and they cannot sell a car which has outstanding finance on it. Legal ownership of a car cannot be transferred until the final repayment has been made. If you buy a car with outstanding finance on it, the car could be repossessed by the lender even if you have already paid the previous owner for it.

If the car is an import from the UK ask to see the V5C. These documents are the ownership documents for the car. The person selling the car must correspond to the name on the V5C or VRC, and you should ask for proof of identity if buying privately. The VRC has a 10 digit number on the top right hand corner of the first page.