V W Problem Heater-car owner selling their car

Car Finance Check-Should you buy a car with outstanding finance?

Home » Automotive industry

Car Finance Check

Car Finance Check

While it’s not uncommon for an automobile to have outstanding financing. So, we suggest that you only purchase a car once the outstanding finance is cleared.

It would help if you recognized a vehicle’s finance standing before purchasing. If you don’t know how to check the finance of the car! Please visit the link. In the case when a vehicle is having outstanding finance. Including, the individual in charge of the debt defaults on their financing. After you’ve acquired the vehicle, the finance provider can look to repossess it from you. Although you cannot acquire the loan of the borrower. hence, you would run the risk of going to the failure of the money spent on the car.

Dealers will typically not offer automobiles without they check if a vehicle are financed. Yet this cannot be guaranteed in all situations. Consequently, whether you are purchasing from a personal vendor or a dealership. Thus, it is essential to inspect a vehicle’s finance status.

If you find that while verifying if this car is on finance that the vehicle is still based on a financing contract, we advise that the seller works out the finance completely before you consent to buy the vehicle. Sometimes the seller may try to offer the vehicle to pay the outstanding financing. Yet, it is essential to note here that until the debt is resolved, the ownership of the automobile stays with the financing supplier as well as is not moved to you. Unless you understand as well as rely on the seller, it’s a high-risk procedure to accept to buy a car with finance outstanding.

What is outstanding money?

Outstanding money takes place when the previous proprietor still has money for paying on the vehicle but markets it out. In doing so, they fraudulently are offering the vehicle to another person and not declaring it on any documents or communications. If you are thinking about can you check if a car is on finance, don’t fret; you definitely can visit the given link.

How to inform if there is outstanding money on an automobile?

Before you buy a used vehicle, you ought to carry out a finance check, which will inform you if any cash is owed on the vehicle, as well as if it has ever been associated with a crash or if it’s stolen.

If you’re buying from a dealership, you can ask them that can you check if a car is on finance. The Car History Inspect checks the history of a vehicle as well as is hence a reliable way to prevent purchasing an auto with outstanding financing.

What to do if there is outstanding financing on a car?

  • Before buying an automobile:

So, if you uncover outstanding money as well as you have not yet purchased the automobile. Of course, you must consult the provided finance firm to comprehend whether the account has been resolved or if payments are due. Naturally, if money is still owed, you must ask the owner to fix the account before continuing with the sale. If you don’t know how to check finance on the car, you can visit the link.

  • After acquiring a car:

If you find out while checking is this car on finance that there is outstanding financing owed after acquiring the car, it will be more difficult to verify you have a lawful right to possessing the car. You will have to persuade the money business you are an innocent customer, which can be difficult. If unsuccessful, they can reclaim the vehicle.

Getting a check that is this car on finance is quick to do online with the Car Analytics Automobile History Check will provide a couple of details regarding the vehicle you intend to buy.

I’ve purchased an auto with outstanding financing; what should I know?

  • What does outstand money suggest?

While doing a finance check, you find if a pre-owned car has outstanding financing, it means that the finance company still owns the vehicle. The buyer has a hire purchase agreement in place that has not yet finished.

  • What is a Hire Purchase Agreement?

A Hire Purchase Arrangement allows the vehicle owner to pay either nothing or a fairly lower down payment to buy the car. After that, they will continue to pay the money as a fixed fee on a regular monthly basis until the hire purchase arrangement finishes.

When this occurs, the vehicle driver usually gets the option to trade the vehicle and start a new hire acquisition contract or purchase the present auto outright.

  • Why do I need to understand about Hire Purchase Agreements?

Until the hire purchase agreement expires, the motorist is properly selling out the auto. They have not bought it; the money business possesses it, which implies that the buyer has no authority to market it. If you are as lucky as to acquire a car in this circumstance, you do not own the vehicle you’ve spent for, even if you are provided documentation seemingly verifying that you do.

It will not take too much time before the financing business is notified as well as they act to impound the automobile or need that you pay off the outstanding money to stop them impounding it.

  • Is there outstanding financing on my auto?

If you’re uncertain, it’s better to know immediately. Inspecting if a car has outstanding financing is easy. Even if you have currently purchased the vehicle, as well as you’re concerned your vehicle has outstanding money on it, it remains in your interest to run a quick check.

If the car does have outstanding financing on it, it’s better to learn the terms than with a knock on the door from the cops. After being notified your auto has outstanding finance, you ought to contact an experienced lawyer right away.

So, before buying a car, please check for outstanding finance on the vehicle.

bailiff's scammers

County Court Bailiff Scams-Garages Beware !

Home » Automotive industry

County Court Bailiff Scams

County Court Bailiff Scams

I was completely drained by the end of this horrific scam attempt. Some days I think that I am getting too old for this sort of thing and this would be one of those days. So, its now the day after and I am composed enough to write this blog post. So, to warn other garage owners and businesses about our own lucky escape. It started after lunch with a phone call from my Halifax Autocentre manageress, Debby.

Deb was a little shocked at a phone call that she had just received. Just like any sensible would! Was  panicking about the situation. So, the caller had stated that he was from a company of Bailiffs and was about to send his staff in to recover goods to the value of an outstanding debt. Just over £3000! He left Deb and number to call for more information. I proceeded to call the number immediately. I was told that it was for a debt going back to 2017 from a company handling Google Word Adds. At this stage I wont mention any names! But will be pleased to help others in case of an attempt to a similar fraud against them.

Website looked genuine.

Somehow the scammers had the name of my wife which was used as their original contact with the Google Adds word company. My wife is a very clever lady and insisted that no such deal had been struck under any circumstances. I will admit that at this stage I was genuinely flapping and did not where to turn.

However, I made another phone call to the scammer claiming to be from the Bailiffs. So, this time the guy was very polite and offered me  way out of the solution. Eventually he gave me the phone number and case number to a guy professing to be a member of the Northampton county court Bailiffs staff.

The guy was very helpful and also sounded genuine. However things did not seam to stack up. My wife and Deb began a little digging and they were now suspicious about the information we had been given. The court person was very polite and said that to stop the Bailiffs entering the garage premises then we could pay the court £2330 and this would then go to a local tribunal in our own  area of  Halifax.

My big suspicion was that he said he would send me the details of where to pay the money online and the bailiffs would be stopped! Meanwhile it was looking like this was a scam as My wife and Deb dug out more information.

It turned out that the scammers were using genuine names of officials

Including the phone numbers the were used were false but appeared genuine. Also the names they used were of genuine court and Bailiff officials. As a company we at Pellon Autocentre have an 100% clean record and have never failed to pay anyone for anything . I think now that that could be why we were targeted. The scammers knew that we would panic and possibly pay the money over the phone.

However because of the digging by Deb and my wife we were saved from falling for this very clever scam. I am writing this post the following day and have since recovered from the shock! Ready to see what else been in business in 2021 can throw at me and the family business.

A great explanation as to why this is happening and what you should do can be found on this blog post  https://www.burnetts.co.uk/blog/dont-fall-to-a-bailiff-or-enforcement-officer-scam

More garages Caught out by this scam

Since writing this post then the scammers have not give up trying. According to this edition of “Garage Wire” the scammers are still targeting garages ! Of course they pretend to be “county court” Bailiffs and threaten to come and remove some property if you dont pay an amount over the phone.

So if you know that you are in the clear and innocent of any wrong doing just put the phone down and ignore them. 

 

 

electric car charging

Electric Vehicle Technician Shortage- Why would we want to change?

Home » Automotive industry

Electric Vehicle Technician Shortage

Electric Vehicle Technician Shortage

So, there is no doubt in my mind that  the EV “electric cars” are going to be a threat to the sustainability of the garage trade as it is. Therefore it does not surprise me that technicians are not taking up the “so called” electric car revolution. In my humble opinion the transition to EV,s is at too faster a pace for both garages and more importantly the car owning public.

As a garage owner for almost all my life, then I am forever asking customers and suppliers for their opinion. Many of my customers dont really have an opinion and just think that EV,s will be part of the future car market. Well this is happening now! Consequently , then I am seeing more of the dreaded things driving about. Particularly the Tesla models.

In my opinion these cars are becoming the new rich mans car! The guys that drive them are the old Jaguar and BMW owners. Generally wealthy business men who want to show off their new toy.

However what they tell us about the percentage of new cars that are electric is calculated in a very low car sales period. So, making the actual EV sales figures  look good.

Looking out of my window

When I look out of my office window in Halifax, then all I see is row after row of “Victorian” terrace houses. With the roads stacked out with the house owners family cars. Typical of many Northern towns and cities. Even with the most vivid imagination, then I cannot see how all the people are going to charge their electric cars. Many of my customers in this Northern town are young first time car owners. Many families now have three cars per family. Say the dad and mum and at least one sibling will be an affordable car owner. I say affordable, because these car owners buy a car to suite their pocket.

So, second and third hand smaller cars are the norm. Electric cars are a million years away from these people. These cars fit into the very old infrastructure that these vehicles have to drive about in.

I could go on and on about this idiotic target that our government has given us for the giant changes that would be required for electric cars. Finally we are  finding difficulty in finding suitable staff to repair the conventional cars here in Halifax. So Electric cars ?

Latest SMMT data shows that EV sales represented 23 per cent of the new vehicle market in May but analysis by the Institute of the Motor Industry (IMI) suggests that by the end of 2020

Source: EV technician shortage “must be addressed” urgently, IMI warns

tyres and car servicing

Garages Card Scam targeted- By ‘card not present’ tyre scam, IGA warns

Garages Card Scam targeted

Garages Card Scam targeted

Unfortunately, garages and car service centres have always been a target for different types of scams. Including this particular scam by using stolen credit cards over the phone. So here at Pellon Tyre and Autocentre in Halifax we try to be as switched on as possible. Only recently we received a phone order for a set of four expensive tyres. Fortunately, we could “smell a rat”. The caller wanted the tyres to be collected by a friend.

Suspiciously, then we would not let tyres go anywhere. People are always trying this sort of thing and I am sure that they make a living out of it. Another type of fraud that is on the rise is the “chargeback scam”. People order goods usually online. The address used for the delivery is usually some empty property in a city centre. The fraudsters hope that the couriers will leave the goods with a neighbour. So a few weeks later they will inform the credit card company that they have not received the goods. A charge back is then issued to the out of pocket supplier.

Nearly taken for £2000 !

In fact this almost happened to us a few months ago! Our batteriesontheweb.co.uk web site received a very nice order for six very large Varta AGM truck  batteries. So, the order was just under the £2000 mark. Consequently, I decided that we should deliver these batteries on our own transport. Indeed I decided to delivery these very heavy truck batteries myself.

The address was in a district of Birmingham, Britains second city. so, I remember thinking whether or not there would be somebody at the other end to help me unload these very heavy batteries. It is important to realise that these batteries weigh as much as 65 kg ! Very heavy for one man to lift.

The journey was a good one. However I was shocked to find that the address was to an empty semi detached house. In other words this delivery had the makings of a scam. So as to double check then I parked my van and had a walk up to the house. The property was empty with some old lace curtains up at the windows. For this reason, I decided to quickly turn around an headed back home.

Charge back issued

Luckily, I decided to deliver the batteries myself. Sometimes we will send out the batteries on a pallet. This could have ended up very expensive for us! Especially, if the pallet had been left at the premises. So, after calling my wife and explaining the situation I arrive back in Halifax with the batteries. Sure enough the scammers received a charge back from the card company.

In the past we have been victims of this type of fraud. Consequently we have learned important lessons and in this case we minimised our losses. The lesson is that if it is “too good to be true” then it probably will be and stay clear it will be a scam.

Scammers are continuing to target garages with a widely-used ‘card not present’ method where tyres are purchased over the phone using stolen card details before being collected and payment reversed by the card company, the

Source: Garages still being targeted by ‘card not present’ tyre scam, IGA warns – Garagewire

electric car charging

Electric Classic Mini-British firm launches classic Mini electrification kit

Home » Automotive industry

Electric Classic Mini

Electric Classic Mini

So, as a guy who has owned three of these fabulous little cars in the past, then this development excites me! As a garage owner who has spent the past forty odd years repairing and servicing conventional cars and vans. Then I am not a fan of Electrical car developments (EV’s). Because I think that the EV’s are going to be a threat to our very existence.

However, I must admit that the this little red classic mini looks great. So, and will be an eye opener to millions of older people who were previous owners. Also the very thought of the power that this electric conversion will have gives my skin the bumps. However , it is still a rich mans toy and beyond the means of most people. Including myself!

Although I might add that these people are selling an electrification kit, complete with a battery pack. This will inevitably bring down the price for the experienced DIY mechanics amongst us.

A complete electrification kit which will turn any classic Mini into an electric vehicle has been made available for enthusiasts, specialists and EV conversion businesses. Created in response to growing customer demand to electrify classic cars

Source: British firm launches classic Mini electrification kit – Garagewire