HPI check issue! (outstanding finance)

[BurnyC]

Hi Everyone! One of my first posts of potential Clio ownership is a problem...typical!

I went to go and see a Clio 182 last weekend. The used car dealer selling it had a 'mycarcheck.com' data check report print out which was dated as being done recently, stating that all was clear. I paid a 250 pound deposit and will pick the car up when he returns from holiday on May 9th. In this week of anticipation curiosity got the better of me and I thought I'd do my own HPI check (through HPI themselves).

All was clear apart from 'VRM currently recorded as having outstanding finance', dated '18/12/2006'. Car has had 2 previous owners (first registered May 2005).

Also claimed a mileage discrepancy as follows: (I'm assuming a mis-type, and should read 17,000, not 217,000 in the space of a year and a half..!?).

27-Dec-2006 DVLA 217,000 217,000
23-Apr-2008 NMR 34,000 34,000
01-May-2008 DVLA 35,000 35,000

I'm going to ring the number of the finance company supplied by the HPI check tomorrow morning to see, but it seems very odd that it would still have outstanding finance from 2006!? Also odd that the check he'd done through mycarcheck.com came back clear...? (for the record the dealer is a registered business and operates from his house, which I went to in order to view the car, so a quick escape with my deposit may be difficult...he also has 15 or so other cars up for sale, stored in a lock up where he keeps the cars. Also seemed genuine enough in person, but who can really tell these days!?)

Any words of wisdom on HPI checks and accuracy appreciated, and apologies if this in the wrong section! I know the final answer will come from the finance company tommorow morning, but hoped for some words of experience from the CS crowd to sort my mind out this evening (also where do I stand on my deposit if it does turn out to have outstanding finance?).

Thank you very much everyone!

 

[R-Sport.]

Hi Fella-

Dont waste your time- get HPI to do it for you-

http://www.hpicheck.com/contact.html

Fill out the form, add your HPI reference number-

Say your suprised that its got finance when itc been cleared- can they contact the finance house to clear it-

they usually do it within the same 24 hours-

also while your at it- get them to update the mileage through the NMR- they are in the next office


regards
Steve

PS before you do anything double check its not a previous plate that has finance- it has to be the current plate!

 

[BurnyC]

Hi Steve,

Thanks a lot for getting back to me quickly, will do as you say.

The report says that the car hasn't had any previous plates. As the other check came back clear, what's the likelihood of there being a mistake? Especially as the plan was apparently a hire purchase plan, so would've thought something would've been sorted on any finance by now? Either the car re-possesed or something...!

 

[R-Sport.]

The finance company have more than likely cleared the finance but not communicated to HPI-

If your desperate in the morning you can ring thr finance company first & ask if they have any interest in the car then let HPI chase clearing the database

Steve

all I would add is the dealer is a f*ktard for using that info-

Should be HPI or Experian ( if he is a dealer he should have a trade account)

 

[BurnyC]

Thanks again. The plan was through RCI (who I believe to be something to do with Renault), so suspect they'd be keen to get their money ASAP...don't think waiting a few years on the off chance of another payment is their style

Thinking about it I don't think mycarcheck do outstanding finance reports, so this would be the first either me or the seller would know about it! Fortunately I paid deposit on my card, so if there is indeed an issue should be easy enough to sort out, especially as they're a registered business.

I'm still thinking it's very odd if the car does have finance outstanding on a hire purchase plan from 4 and a bit years ago! (and hoping it's as you say - not communicated the cleared finance info to HPI).

 

[BurnyC]

Just in case anyone stumbles across this topic in the same situation I was in, RCI said they had no interest in the car and it was indeed a case of having not closed the account...they've now done this and are sending me a letter to confirm. Also, the National Mileage Register have sorted the mileage issue. So now the car has a nice clear HPI with a green tick.

Todays Lesson: ALWAYS do your own actual HPI check before parting with any cash, I'd say even if they've done a HPI check too, cos you might not get as lucky as I seem to have done!

Also, thanks for your help! Much appreciated.