Not every car owner who buys a car on credit, earnestly fulfilled its own obligations to the bank.Someone special "loses" TCP and received a duplicate, sell your car, thereby dooming a bona fide purchaser for a serious problem.It acquired a car, as it is known, is owned by the bank as long as the loan is fully repaid.If you buy a car is not in the cabin, the very high risk of running into such an option.Therefore, potential buyers need to be very careful.In this article we will talk about how not to buy a car loan.
law is not on your side
Always remember that before you purchase your machine.Bought from unscrupulous seller cars owned by the bank (ie in the pledge).If the mortgage payments will cease to act, the bank will take the car and myself.Even if the new owner made a purchase legally, the court will offer him to sue the fraudster and the car itself will give the present owner.
If you decide to sue, it will make it very difficult.First, the speculator usually draws credit for socially disadvantaged in person and pay him for the use of a passport.Most often fall into this category homeless.From such a "master" who does not even delves into loan programs on cars, and the amount of interest you will hardly achieve anything.The real scammer disappears instantly, and find it almost impossible.Secondly, in the sales contract can be subscribed amount, much less real.And if the unfortunate car owner bought the car for $ 300 thousand, and the contract provides 100 thousand, then get more, he can not.Therefore it is always prescribed in the contract actually gave you the amount.
Recognize Scam
main thing that brings potential buyers - it is the desire to get a new car is much cheaper than its real market price.Such people are not even aware that there are ads, which under the guise of a conventional car loan disguised sale.So if someone offers to buy a brand new "Mercedes" or "Ford" virtually operated with minimum mileage by 10-15% below the average market price, it should be cause for concern.
During the first examination of the machine ask the host, which was established immediately after purchase.If a person took a car for himself, then he will certainly put some money in additional equipment, such as navigation or alarm.If the owner originally bought the car for the purpose of resale, then splurge on "dopa" it will not be.
No less suspicious and the fact that the car does not show the owner specified in the TCP (this may mean loan processing for "accidentally" passport).In some cases, the owner may receive for signing the contract, but he did not sit behind the wheel and take the money.All of these will deal with the mediator.By the way, with high probability "owner" will not show their documents.
potential buyer who does not know how not to buy a car loan, telling tearful story, explaining the need for the sale of nearly new cars.Most often it is a disease of a relative, or business problems.Trusting people certainly believe it.
Verification of documents
the credit machine, you are trying to resell, almost always the same set of documents: a duplicate title (say lost, but in fact the original is in the bank) and the absence of the policy Hull.In addition, there is a mismatch Name Seller with the data from the TCP.
How to protect yourself?
Even when you know they do not buy credit cars, there is no absolute protection from fraud.But there are several ways that you can prevent the dubious deal.You can ask the seller to verify the number of TCP from a friend of the traffic police.Even if you are not familiar, the scammer will see in this "threat" and immediately "withdraw" its proposal.
One of the most reliable ways to test - ask to review the original sales contract with a payment document confirming that the owner paid for the car at the box office or bank transfer.
Two ways
Incomplete cost in the contract - this is one of the most popular tricks used by scammers by selling credit cars.Sales in Moscow, St. Petersburg and other big cities in identifying numerous cases of fraud only confirms it.So be careful!The contract of sale, always mention the full cost of buying a car.
Finally, if you can cross to the real seller (named in TCP), is asking some leading questions, you can find out exactly whether it is a machine.For example, you can ask about insurance or the radio, the number on their way to a set of keys, as well as the location of the salon, who sold "iron horse."
Conclusion Now that you know how not to buy a car loan.The acquisition of such cars - the real danger lies in wait for many potential buyers.Therefore, upon receipt of a profitable price offers do not forget about caution.An honest seller will not be afraid of scrutiny, but the scammer will look more naive victim.
way, selling a car loan can be held legitimately.You ask about what you need to do?Nothing special!In this case, the seller with the buyer goes to the bank and the latter shall pay the balance of the loan.After the procedure, the repayment he receives all documents on the machine and becomes its owner.So it is possible under such conditions to buy credit cars.Sale in this case will be made in good faith by the seller.
