Car - Ebay Cat C not on listing

gsmmad

if item has not been described as cat C and it turns out to be a cat C, then dont pay and he will probably open a dispute and leave you with a stike. However you should have done a HPI i know this can be hard sometimes as you may not have the number plate and so on. The seller is obviously not trustworthy otherwise he would have listed that on the description.

hewhoisnotintheknow

Car was not as described, i think you can walk away if you want

GarethC_2

CatC SHOULD be declared when selling it will also be marked as CAT C on the logbook. It's only CAT D's that aren't listed on the logbook. CAT C basically means that the repair cost was higher than the value of the vehicle so the insuranec company have paid out in full on it as a total loss.

When you come to insure this vehicle you will need to make your insurance company aware of this otherwise they could refuse to pay out on the vehicle if you have an accident and even if they do pay out you won't get market value for it.

Walk away, contract is not binding as item is not as described....simples

vaio

GarethC wrote: »

........When you come to insure this vehicle you will need to make your insurance company aware of this otherwise they could refuse to pay out on the vehicle if you have an accident and even if they do pay out you won't get market value for it......

I’ve never been asked if a car I was trying to insure was a CAT C and can’t think of anyway an insurance company could avoid paying out unless you told lies. (which would be spectacularly pointless as they have a database with all write offs on it)

Also, you will get market value for the car, it’s just that the market value for a Cat C car could well be less than for a non write off, it’s why they are cheap in the first place.

Photo_Stylus

I have never done a HPI check on a car before the one i just bought. The decent HPI companies charge about £20 for a check. When buying a cheap car i would rather trust my own judgement on the cars condition and stick that £20 in the tank.

When i have sold them on i have never been asked if they have ever been written off.

Not everyone knows or cares.

If your not happy with the sale, contact the seller state your reasons & come to some agreement for his fee's
or he will contact ebay & report you as a non paying bidder & claim them back himself.
I wouldnt buy a car if i felt it was wrong somehow. No matter what ebays rules are.

gsmmad

Always HPI a car, you never know it may have outstanding finance or it maybe a stolen car. A friend of my dads brought a car, then a finance company sent collectors who towed the car away as the car had outstanding finance. The debt is automatically transferred with the transfer of ownership, basically legally although the original buyer owes the finance when the car is sold any outstanding finance is transferred. So in some sense the car owes the money!

Saw on channel 4 a couple of years ago, some guy had stolen a car, made fake V5 documents for the car and sold it off as a ''ringer''. Only by doing a VIC check did the TV crew confirm that the car was stolen and the V5 was bogus as the chassis numbers did not match.

vaio

gsmmad wrote: »

Always HPI a car, you never know it may have outstanding finance or it maybe a stolen car. A friend of my dads brought a car, then a finance company sent collectors who towed the car away as the car had outstanding finance. The debt is automatically transferred with the transfer of ownership, basically legally although the original buyer owes the finance when the car is sold any outstanding finance is transferred. So in some sense the car owes the money!

Assuming it was on hire purchase than an innocent buyer gets good title and the car can’t legally be reclaimed by the finance company. Also, cars can’t owe money and I’m struggling to think of any sort of finance where the debt moves with the car.

The very dodgy end of the market is “log book loan” where you actually sign a bill of sale for your car and give it to the loan company thus selling it to the loan company, I think in this case cars can be reclaimed as the loan company actually owns the car. I don’t think this type of loan would show up on HPI either.

gsmmad wrote: »

Saw on channel 4 a couple of years ago, some guy had stolen a car, made fake V5 documents for the car and sold it off as a ''ringer''. Only by doing a VIC check did the TV crew confirm that the car was stolen and the V5 was bogus as the chassis numbers did not match.

It must be a very dim thief who goes to the trouble of making a fake V5 and not get the VIN numbers right

computershack

OK...buying cars for noddies...

YOU CANNOT CLAIM IT IS NOT "AS DESCRIBED" if it has a fault/faults etc that isn't mentioned in the advert. Not disclosing a fact doesn't make it "not as described". You can only claim it is not as described if they say it has, for example, had four new tyres and it hasn't or you ask if it has any problems and they tell you it hasn't.

IT IS UP TO YOU, THE BUYER, TO ASK QUESTIONS ABOUT ANYTHING THAT YOU DON'T SEE IN THE ADVERT SUCH AS HAS IT BEEN A WRITE OFF.

gsmmad

vaio wrote: »

Assuming it was on hire purchase than an innocent buyer gets good title and the car can’t legally be reclaimed by the finance company. Also, cars can’t owe money and I’m struggling to think of any sort of finance where the debt moves with the car.

The very dodgy end of the market is “log book loan” where you actually sign a bill of sale for your car and give it to the loan company thus selling it to the loan company, I think in this case cars can be reclaimed as the loan company actually owns the car. I don’t think this type of loan would show up on HPI either.



It must be a very dim thief who goes to the trouble of making a fake V5 and not get the VIN numbers right

I like your reply, and i just have to inform you that you are incorrect. I learned that when party A sell's a car to party B, and the car was brought on a hire purchase or car was taken out on finance. Also still had finance's outstanding, party B would be responsible for the payment of the outstanding finance. As the Finance company still have a legal interest in the car and can reposes the vehicle if payments are not made. Please have a look on here just to clear it up for you: http://www.aacheck.com/finance-agreements-stolen-vehicles.html?AutoLocateID=937682A86561B84520AD23BF

If any type of legal loan agreement is on the car, it will come up the hpi, i recommend that every time you buy a car do a HPI and make sure you get a good HPI guarantee as if anything goes wrong they will cover you.

Ow the good title law is in Scotland i think.


computershack is correct, however if it isn't in the description then of course you cannot turn around and say its not as described. The Cat C/D business is a funny one and if you brought from anyone, they can easly turn around and say that they were not aware them self. They only have to disclose this information if they are aware of it. Proving that they were aware is very hard!

vaio

gsmmad wrote: »

I like your reply, and i just have to inform you that you are incorrect. I learned that when party A sell's a car to party B, and the car was brought on a hire purchase or car was taken out on finance. Also still had finance's outstanding, party B would be responsible for the payment of the outstanding finance. As the Finance company still have a legal interest in the car and can reposes the vehicle if payments are not made. Please have a look on here just to clear it up for you: http://www.aacheck.com/finance-agreements-stolen-vehicles.html?AutoLocateID=937682A86561B84520AD23BF

If any type of legal loan agreement is on the car, it will come up the hpi, i recommend that every time you buy a car do a HPI and make sure you get a good HPI guarantee as if anything goes wrong they will cover you. ……….

No, there is no way you can lawfully be landed with a finance debt without agreeing to it. The finance contract stays with the person who took the contract out and can only be transferred with the agreement of all three parties.

And no again, the title issue is a benefit of the Consumer Credit Acts which does give good title to an innocent private purchaser of a car subject to a valid hire purchase agreement.

Just google “consumer credit innocent buyer”