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    • marie3196658
    • By marie3196658 14th May 18, 3:19 PM
    • 17Posts
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    marie3196658
    Help, been sold a stolen car
    • #1
    • 14th May 18, 3:19 PM
    Help, been sold a stolen car 14th May 18 at 3:19 PM
    i bought a car in November 2017 and it has been found that the car has been stolen. false number plates put on with matching VIN numbers on the windscreen and inside the drivers door panel. we found out because we were having a problem trying to obtain a V5 for the car (after not receiving it from the change over from the buyer).
    we are now without a car and £15000 out of pocket. can anybody give any advice of the best way forward to try and get our money back or even the car. the insurance company that insured the car at the time of it being stolen have already paid out for the car and will take possession of the vehicle. i have been intouch with them and i am waiting a reply to see if we can get the car back at all.
    we paid cash after receiving a good enough 'excuse' why he couldn't receive money through a bank transfer, so not covered on any debit or credit card insurance
    we bought the car from an advert on Auto Trader and did the additional checks, but of course we were doing the checks on a false number plate hence why it came back all clear and no suspicions were raised when we bought the car.
    any advice would be much appreciated
    Last edited by marie3196658; 14-05-2018 at 3:22 PM. Reason: spelling errors
Page 3
    • ScorpiondeRooftrouser
    • By ScorpiondeRooftrouser 16th May 18, 2:26 PM
    • 2,535 Posts
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    ScorpiondeRooftrouser
    Iím saying youíre not much help to the op.
    Originally posted by AndyMc.....
    I answered one point of the OP's regarding compensation and have since then replied to questions raised to me. What is it with people at the moment asking questions and then complaining when people answer them?
    • unholyangel
    • By unholyangel 16th May 18, 2:34 PM
    • 12,286 Posts
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    unholyangel
    If you read my comment about no proof, that is in relation to the idea of compensating people. My point is precisely that we do accept that it happened at the moment because there is nothing to gain, but if they were liable to be compensated for the full amount, we couldn't just accept it as there would be so much to gain. If such claims were possible then taking money out of the bank and making it disappear would obviously be easy.
    I have not for a moment suggested they didn't pay the £15,000 in this instance; there's no reason for them to make it up.
    Originally posted by ScorpiondeRooftrouser

    Well there is a way for OP to be compensated and civil law works on the balance of probability.


    But heres a question for you, if they didn't pay the £15,000 then how did they end up with the car?
    Money doesn't solve poverty.....it creates it.
    • AndyMc.....
    • By AndyMc..... 16th May 18, 2:35 PM
    • 1,354 Posts
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    AndyMc.....
    I answered one point of the OP's regarding compensation and have since then replied to questions raised to me. What is it with people at the moment asking questions and then complaining when people answer them?
    Originally posted by ScorpiondeRooftrouser
    Maybe if you hadnít of jumped in with both feet.
    • ScorpiondeRooftrouser
    • By ScorpiondeRooftrouser 16th May 18, 2:55 PM
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    ScorpiondeRooftrouser
    Well there is a way for OP to be compensated and civil law works on the balance of probability.


    But heres a question for you, if they didn't pay the £15,000 then how did they end up with the car?
    Originally posted by unholyangel
    They did pay the £15,000. Are you listening to me? I said that if we compensated people in cases like this then there would be false claims.

    A civil case is an entirely different thing from compensation for criminal acts. It's simply not relevant to what I said. I hope the criminal is convicted AND that they can sue him, but that's something else entirely. They need to get the police involved and identify him before they can do that though.
    • ScorpiondeRooftrouser
    • By ScorpiondeRooftrouser 16th May 18, 2:57 PM
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    ScorpiondeRooftrouser
    Maybe if you hadnít of jumped in with both feet.
    Originally posted by AndyMc.....
    Maybe what would would have happened? What's your point?

    I made a comment; it's a forum; that happens. If you want me to stop replying to you I suggest you stop trying to make cryptic posts. Do you think you are "helping the OP"?
    • marie3196658
    • By marie3196658 16th May 18, 7:59 PM
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    marie3196658
    Well at least you have a starting point!

    Obviously you will need to let the police know this address, but I would start googling the person and seeing if you can track down whoever sold it to you and if they are still at that address.

    Your next step would be a court claim against them.

    How long did they own the car for?
    Originally posted by pinkshoes

    We have owned the car since November 2017
    • marie3196658
    • By marie3196658 16th May 18, 8:06 PM
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    marie3196658
    So have you involved the old bill? am bloody sure i would of by now i'd be staking the area out looking for the toe rag
    Originally posted by NotRichAtAll
    Yes the police are involved
    • marie3196658
    • By marie3196658 16th May 18, 8:08 PM
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    marie3196658
    You did an HPI check. Sending off the paperwork is irrelevant. Did you meet the t&c's for their guarantee?
    Originally posted by waamo
    Yes I think so and the hip ch3ck was done with experian who are looking onto it for me
    • marie3196658
    • By marie3196658 16th May 18, 8:14 PM
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    marie3196658
    Is that a serious question? Giving £15,000 in cash to any private individual for a car is careless. Giving £15,000 in cash to someone you don't even have a verified name and address for or when you haven't seen a V5 is very careless. Doing it when both are true is insane.
    Originally posted by ScorpiondeRooftrouser
    There was a V5 in place, which had the guys name and address of where we went and the correct VIN number which we double checked on the windscreen. I don't mean to sound nasty towards anyone for criticising our purchase and how we did it but we did everything we could of done to make sure that vehicle was not stolen and we were failed because the car had been cloned
    • marie3196658
    • By marie3196658 16th May 18, 8:18 PM
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    marie3196658
    http://www.financial-ombudsman.org.uk/publications/ombudsman-news/55/55-ask.htm

    Did you have the car insured OP? It appears the ombudsman might side with you depending on whether you took reasonable steps and acted in good faith.

    As for no proof they paid the money to anyone....I daresay OP didn't have £15,000 sitting around the house and would have withdrawn it from a bank account shortly before completing the purchase.

    You said it was at the address on the V5.....was it just outside the house or did you actually see them enter/exit the house at any point?
    Originally posted by unholyangel

    We went outside a block of apartments which he entered onto. We didn't see which apartment he entered but he returned with all the paperwork which we checked and said his wife was inside getting the baby to sleep. We thought this was a good enough reason why he didnt invite us in
    • marie3196658
    • By marie3196658 16th May 18, 8:37 PM
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    marie3196658
    If nothing else I hope this shows skimping on an HPI check when paying by cash can be a false economy.

    When making what is often the second biggest purchase of your life it really is better to be safe than sorry.
    Originally posted by waamo
    We didn't skimp on a hpi check. We did one and it came back clear. The problem is however that the number plates were false and so I was checking a car that hadn't been stolen rather than the car we were buying, which should of had different number plates had it not been stole, we have taken every step we could to make sure we wasn't buying a stolen car
    • AndyMc.....
    • By AndyMc..... 16th May 18, 8:54 PM
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    AndyMc.....
    There was a V5 in place, which had the guys name and address of where we went and the correct VIN number which we double checked on the windscreen. I don't mean to sound nasty towards anyone for criticising our purchase and how we did it but we did everything we could of done to make sure that vehicle was not stolen and we were failed because the car had been cloned
    Originally posted by marie3196658
    The only additional things you could have done is check the chassis and engine numbers.

    Looks like heís done a good job on you to get the paperwork for the car since you were buying from the genuine owners address.
    • AndyMc.....
    • By AndyMc..... 16th May 18, 8:55 PM
    • 1,354 Posts
    • 927 Thanks
    AndyMc.....
    We didn't skimp on a hpi check. We did one and it came back clear. The problem is however that the number plates were false and so I was checking a car that hadn't been stolen rather than the car we were buying, which should of had different number plates had it not been stole, we have taken every step we could to make sure we wasn't buying a stolen car
    Originally posted by marie3196658
    Was the whole process completed on the same day?
    • unholyangel
    • By unholyangel 16th May 18, 9:07 PM
    • 12,286 Posts
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    unholyangel
    We went outside a block of apartments which he entered onto. We didn't see which apartment he entered but he returned with all the paperwork which we checked and said his wife was inside getting the baby to sleep. We thought this was a good enough reason why he didnt invite us in
    Originally posted by marie3196658
    I presume it wasn't a secure entryway that needed a key or fob to get in?

    Something thats puzzling me though is how did you manage to get the car registered in your details without the owner of the real car (that was registered at the address you viewed it) without objecting. The same way that you were notified you were no longer the RK when the real vehicle was sold, they would have been notified they were no longer the RK when you applied as the new keeper and any reference they used would have became invalid when you obtained your v5.

    It sounds like they were possibly complicit.
    Money doesn't solve poverty.....it creates it.
    • AndyMc.....
    • By AndyMc..... 16th May 18, 9:17 PM
    • 1,354 Posts
    • 927 Thanks
    AndyMc.....
    I presume it wasn't a secure entryway that needed a key or fob to get in?

    Something thats puzzling me though is how did you manage to get the car registered in your details without the owner of the real car (that was registered at the address you viewed it) without objecting. The same way that you were notified you were no longer the RK when the real vehicle was sold, they would have been notified they were no longer the RK when you applied as the new keeper and any reference they used would have became invalid when you obtained your v5.

    It sounds like they were possibly complicit.
    Originally posted by unholyangel
    In the past I would have said the dvla never did their checks. However a log book has been obtained used and a new one issued. VEL cancelled and possibly a refund to the previous keeper.

    Iím not all together sure the keeper hasnít sold it and then reported it stolen.
    • marie3196658
    • By marie3196658 16th May 18, 9:46 PM
    • 17 Posts
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    marie3196658
    Was the whole process completed on the same day?
    Originally posted by AndyMc.....
    Yes we did the checks while driving the 120mile round trip to the car and withdrew the money from the bank on the same day
    • marie3196658
    • By marie3196658 16th May 18, 9:50 PM
    • 17 Posts
    • 3 Thanks
    marie3196658
    I presume it wasn't a secure entryway that needed a key or fob to get in?
    Something thats puzzling me though is how did you manage to get the car registered in your details without the owner of the real car (that was registered at the address you viewed it) without objecting. The same way that you were notified you were no longer the RK when the real vehicle was sold, they would have been notified they were no longer the RK when you applied as the new keeper and any reference they used would have became invalid when you obtained your v5.

    It sounds like they were possibly complicit.
    Originally posted by unholyangel
    Well to honest with th the time delay between me getting the V5 and receiving the '!no longer the registered keeper' was only Babur 6weeks so I Think they did contact DVLA but I was just presuming that the car may of been sold
    • waamo
    • By waamo 16th May 18, 11:00 PM
    • 3,230 Posts
    • 4,284 Thanks
    waamo
    If the full t&c's of the HPI check have been met then you stand a chance of getting your money back. I expect they may try and wriggle out of it but at least there is a chance.

    It sounds like you've opened a claim. That's probably the most sensible way forward at this time. Good luck and let us know how you get on.
    This space for hire.
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