Getting a car, what is the process?

venomx

elsien said:

Venomx, apologies if I’m getting you mixed up with someone else, but did you not used to have an appointee?
If so, you would probably need to talk to them about it as well. 

No appointee anymore.
Thanks for the info guys 

NottinghamKnight

macman said:

Debit card: yes, why wouldn't they? The transfer should be nearly instant, if within the daily limit, and cannot be reversed.
Credit card: most dealers do not accept CC's, due to the fees levied. 
As above, always put the deposit down on a CC so as to get S75 protection.

Many dealers won't take debit cards as the fees are now similar to credit cards, it used to be that debit was low flat fee and credit card percentage now both are percentage. Any reputable dealer will allow a credit card deposit but may well insist on a bank transfer for the balance, my purchase a few months ago as at a main dealer with that requirement. 

venomx

NottinghamKnight said:

macman said:

Debit card: yes, why wouldn't they? The transfer should be nearly instant, if within the daily limit, and cannot be reversed.
Credit card: most dealers do not accept CC's, due to the fees levied. 
As above, always put the deposit down on a CC so as to get S75 protection.

Many dealers won't take debit cards as the fees are now similar to credit cards, it used to be that debit was low flat fee and credit card percentage now both are percentage. Any reputable dealer will allow a credit card deposit but may well insist on a bank transfer for the balance, my purchase a few months ago as at a main dealer with that requirement. 

Interesting, does that apply for cheaper used cars from official dealerships too ( Honda,  Toyota etc ) ?

I'm guessing they'd let you go home and transfer the money bank transfer then go back and pick it up ?

NottinghamKnight

I transferred the sum whilst sat at the dealership on a banking app. £100 deposit initially on credit card, agreed collection of car the following week. Then transferred one pound to the dealer the day before collection, they confirmed receipt which set them up as a known payee on online banking and reduced the risk of me keying in a wrong account number. Turned up for collection, inspected car and transferred balance on the app whilst salesman completing paperwork, they wouldn't release until confirmed receipt of funds which took about ten minutes but before paperwork was done. Transfer could have taken up to two hours so could have been hanging around a while.

venomx

Thanks everyone .
I'll have to contact the bank a few days before purchase just to confirm . It will be under £10,000 so hopefully it'll go through straight away . I've read that others on here have had the bank call them up and the initial transaction declined 

NottinghamKnight

£10k is a nationwide transaction limit, other banks will vary and will often be higher anyway. You can call them or maybe secure message them before but they may well call you, shouldn't be a major problem.

venomx

Ok thanks 

venomx

VW can drop off to a local dealership ( i think ) however not sure about Toyota.

I don't have a car so i'd really hope they can drop off locally