Advice please - put deposit on car and just found out it was an insurance write off

vaio

£300 I'd guess the cc company will just refund and charge back leaving the trader to fight it through the courts if he fancies his chances

fannyanna

I hope so - fingers crossed.

wealdroam

Fannyanna, about all this jargon in the advert...

Are you saying you didn't understand a lot of the advert?

Not really trying to be clever, but surely you would've gone through the advert with the seller... just to understand what you were buying really.

Asking questions like...
"you say it's got an MOT, how many months?"
"it says here fsh, what does that mean?"
"what does cat d mean?"

Quentin

vaio wrote: »

£300 I'd guess the cc company will just refund and charge back leaving the trader to fight it through the courts if he fancies his chances

S75 refunds are straightforward when the merchant goes under and the goods aren't supplied, but not just nodded through when the cardholder claims the money back because the goods weren't as described.

In cases like this then the cc company need to be satisfied there has been a breach (otherwise we'd all be trying for s75 any time we changed our minds), and it won't be nodded through!

Incyder

Buy from a private seller next time. I always go for 1 owner cars about 8+ yrs old with full service history. I like Fords mainly but currently have a Volvo. I am not too fussy about the car make and model etc, but I am fussy about who owns it and how they have looked after it. I don't like Fiat, Rover, anything French, Seat, anything Korean. I prefer Ford, Volvo, Honda, VW, Toyota.

If you lose your £300 deposit here then you have got off lightly. It could have been far worse.
Its still a shame though.

Inactive

I would suggest that if the dealer declared the car as Cat D Recorded in his advert, then he has declared the matter.

There is little that the OP can do about it.

hngrymummy

Do you have to go through your insurance company to get it insured? There are companies out there who do insure cat D write offs. I was looking at a cat D (bargain price), and shopped around to make sure that I could get insured on it.

vaio

Yep, there are only one or two insurance companies that have a blanket ban on write offs, the vast majority couldn’t care less

Gordon_Hose

Sounds like the OP changed their minds, and are trying to wriggle out of the sale.

If he stated "cat d" in his advert, you have been informed. You would have turned up at his place on the basis of the advert on Autotrader, if you had read the advert properly you wouldn't have turned up. So as far as he's concerned you knew about the cat d status.

Either learn your lesson, or find another insurance company.

maninthestreet

fannyanna wrote: »

Hi - thanks for your response. I've been researching this and it is a requirement that they tell you if it's a cat a, b, c or d.

So not sure hiding cat d in an advert is really informing me that the car was an insurance write off.

It was 'hidden' in the advert - you saw it but chose to ignore it before putting a deposit on the car.