Main dealership insisting on bank transfer

MEM62

Do not buy a car that you have not test driven.

Do not pay for a car that you are not sure you are completely happy with.

Do not buy from a dealer that will not take payment on the day.

What is so exceptional about this particular vehicle that you are prepared to accept these compromises and enter into an arrangement that you are not completely happy with? Listen to your inner voice, walk away and but elsewhere from a dealer that you feel comfortable with.

I recently retuned to car ownership after two decades of having a company car. I walked out of two dealers without buying because I didn't like the guy I was talking to. Ended up buying from a dealer not too far away that was a delight to deal with. We turned up on a Saturday afternoon, were given the keys to any cars we wanted to look at so we could look around at our leisure. All were available for us to take for a test drive once a copy of my license had been taken and a simple form filled in. No pressure, no deposits.

brianposter

Mercdriver wrote: »

No. No. No.

No one us required by law to take any promise of payment be it cash, giro, cheque or credit card. No such legality exists. They can refuse to complete the contract and refuse to take the cash.

But then they have to return the deposit - as long as the OP can demonstrate the origin of the cash..

Mercdriver

brianposter wrote: »

But then they have to return the deposit - as long as the OP can demonstrate the origin of the cash..

If OP has signed a contract that states a limit to the cash and that also states that the deposit is non returnable, then that might not work.

Alex1982

helpjack wrote: »

It's a large national Nissan dealership. They have sent me a written invoice with their bank details and written it on the invoice to be paid by bank transfer 2 days before collection.

They didn't tell me this until several days after I'd put the deposit down.

When I put the deposit down I assumed I'd go back see it running and pay the balance by card.

I called up today and asked if I could pay by card when I collect and it was a flat no.

If I back out now I guess I lose the deposit.

Apologies if you've mentioned this already but did you pay the initial deposit by card?

Was a couple of years ago now but I was definitely able to push back at the Nissan dealer's suggestion of paying by transfer when buying my last car and ended up putting some on a credit card and the rest on a debit card.

JackeeBoy

What real difference is there between paying by debit card and bank transfer?

Anyways, who pays over £10,000 for a car that has a flat battery? That to me sounds more of an issue than the requesting a bank transfer.

hora

How has it got a flat battery? How long has it been sat?

I'd also question what exactly the 12month warranty is.

I bought from a main dealer and it had Citroen assured warranty for twelve months

It had an oil leak one month later, that's when I found out lots of main dealers now use carcare plan for used car warranties.

If you don't like the car you can swap for another.

Sorry if you identify an issue you should be able to walk away not be tied into whatever they have or want to offer you.

Stick your grounds, main dealers aren't what they used to be anymore. They are out to make money selling a product supplied to them just like any store. ....however when it's used it becomes a mine field.

poppasmurf_bewdley

I certainly wouldn't pay up two days before getting the car.

What's to stop them ceasing trading in those two days? I bought a car from a Nissan/Renault/Dacia dealer in December 2017 and by March they had lost their franchise and gone out of business.

Transferring by faster payment as you are picking up the car means the money goes into their account immediately, and they can check that this has happened. That, or debit card payment with a credit card payment for the deposit, is the only way I would be paying for a £10k car.

Mercdriver

JackeeBoy wrote: »

What real difference is there between paying by debit card and bank transfer?

Anyways, who pays over £10,000 for a car that has a flat battery? That to me sounds more of an issue than the requesting a bank transfer.

The dealer has to pay approx 2.5% as a transaction fee to merchant services in addition to transaction fees based on the condsitions of their business account, which is often passed on to the customer by some dealers. A bank transfer costs the customer nothing and much less cost in a business account.

Herzlos

Dean000000 wrote: »

If they are merely trying to protect themselves tell them you will drive it, if you like pay on the day, then collect two days later....

That's what I was thinking. No way should you pay for the car without being happy with it, especially if you couldn't test drive it due to a flat battery. If you're happy with it and need to collect it 2 days later then that shouldn't be a problem.



Plenty more £10k plus Nissans on the market from dealers that want to make the sale.


I wonder if this is just to get the payment on the books whilst we're still in January?

Herzlos

Arklight wrote: »

If not just tell the dealership that you aren't paying by bank transfer and if they want the sale to go through you shall be arriving with 1000 of Her Majesty's crispest £10 notes, which they are required by law to take.

Most dealerships won't take more than £2k in cash due to money laundering concerns.

helpjack wrote: »

The car has a 12 month warranty so I'm probably being over cautious.

It's an awful lot easier getting issues sorted before you've paid the dealer, than relying on the warranty, especially on a used car. Whilst you're still a pending sale you hold a lot of power over the dealer, once you're a cleared sale there's no value to them in talking to you.