Used Car Buying Guide : Making payment

Attention Used car buyers ! Buyers should always be careful when parting with their money. Make sure you read and understand all the documentation before signing them or handing over any cash. Read more

Making payment

• When you buy from a reputable dealer, the car’s financial history should have been checked to show there are no outstanding hire purchase agreements on it and there is neither an insurance total loss, nor has it been stolen.
• Prospective buyers should make sure that this is the case: ‘Ask the dealer for written proof that the check has been made.’
• Private buyers can also check the history of a used car for free by acquiring the appropriate form from the Citizens Advice Bureau.
• Buyers should always be careful when parting with their money. Before entering into any finance agreement, accepting any warranty or indeed accepting a used car, make sure you read and understand all the documentation before signing them or handing over any cash.
• If the dealer has arranged the finance agreement whereby you purchase the used vehicle and he refuses to deal with a subsequent complaint, your claim will be against the finance company, which in turn will claim from the dealer. Remember not to stop your repayments.
• It is important to remember used cars need to have been looked after. When buying a used car, it is best to buy from a reputable garage. Main dealers and independents that belong to the Retail Motor Industry Federation (RMI) are bound by the conditions of their membership to provide a good service to their customers.
• If you have a dispute with a garage that is a member of the RMI and it cannot be resolved, members of the public can approach the RMI’s National Conciliation Service (NCS). The NCS gives peace of mind to motorists by offering arbitration through its independent panel of arbitrators.
• Taking delivery of a ‘new’ car even if it is pre-owned, is great fun, and the best way to start the year. Don’t plan your next journey until you have visited your local garage or main dealer.
• When having a service or any form of work carried out on your car use a reputable garage, be it the dealer who sold you the car or, a local independent garage .If the supplying garage is too far away for such jobs, a local RMI member would be happy to support you with service.
• A member will be able to advise you on the type of service you need, and will be able to point out potential problem areas before they arise, or become serious.
• In fact, whether you want to buy or sell a new or used car or motorcycle, service or repair your existing vehicle, find an auction house, or a cherished number plate dealer, the RMI will be able to help you.
• If you have a complaint against an RMI member garage, the RMI’s National Conciliation Service should be able to help you get redress, if the problem cannot be solved in direct consultation with that member.’ To find a garage that is a member of the RMI, visit www.rmif.co.uk and use the ‘Find a Service’ function.

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