How not to buy credit cars and recognize scammers?

Not every car owner who bought a car on credit, faithfully fulfills its own obligations to the bank. Someone specifically "loses" the PTS and, having received his duplicate, sells his car, thus dooming the bona fide buyer to serious problems. After all, the car purchased, as you know, is owned by the bank until the loan is fully repaid. If you buy a car not in the cabin, then there is a 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 credit cars.

The law is not on your side

Always remember this before purchasing a car. Bought from an unscrupulous car seller belongs to the bank (that is, is in the mortgage). If payments on the loan cease to flow, then the bank will find this machine and take it. Even if the new owner made a purchase legally, the court will ask him to sue the swindler, and the auto will give the real owner.

If you decide to sue, then it will be very difficult. Firstly, the scam artist, as a rule, draws up a loan for a person who is not socially disadvantaged and pays him for using a passport. Most often in this category fall homeless. From such a "master" who does not even go into the credit programs for cars and interest rates, you are unlikely to achieve anything. The real rascal instantly disappears, and it is almost impossible to find it. Secondly, in the contract of purchase and sale, an amount much less than the real can be prescribed. And if the unfortunate car owner bought a car for 300 thousand, and the contract indicates 100 thousand, then he can not get more. Therefore, always prescribe in the contract the amount actually given by you.

Recognize scammers

The main thing that brings potential customers is the desire to get a new car is much cheaper than its real market price. Such people do not even know that there are ads where, under the guise of the usual disguised sale of a credit car. So if someone offers to buy a brand new Mercedes or Ford, which was practically not used and with a minimum mileage, 10-15% below the market average, then this should be alarming.

At the first inspection of the machine, ask the owner what was installed right after the purchase. If a person took a car for themselves, then he certainly invested some money in additional equipment, such as a navigator or alarm. If the owner initially bought the car for the purpose of resale, then it will not be spent on "dopas".

No less suspicious is the fact that the car is shown not by the owner specified in the PTA (this may mean the issuance of a loan on a "random" passport). In some cases, the owner may appear for signing the contract, but he will not sit behind the wheel and will not take the money. All these will be handled by the mediator. By the way, with a high probability the "owner" will not show his documents.

A potential buyer who does not know how not to buy credit cars tells a tearful story explaining the need to sell an almost new car. Most often, this is either a relative's illness or problems in business. A trusting person, of course, will believe this.

Verification of documents

The credit machine that they are trying to resell almost always has the same set of documents: a duplicate of the PTA (they say they are lost, but in reality the original is in the bank) and the absence of the CASCO policy. In addition, there is a discrepancy between the seller's name and the data from the PTA.

How to protect yourself?

Even when you know how not to buy credit cars, there is no 100% protection against scammers. But there are several ways that can prevent a dubious deal. You can ask the seller for the number of the PTS for checking with a friend from the traffic police. Even if you do not have an acquaintance, the fraudster sees this as a "threat" and immediately "lifts" his offer.

One of the most reliable methods of verification is to ask for the initial sale and purchase agreement with the payment documents confirming that the owner paid the car in cash or by bank transfer.

Two more ways

Incomplete cost in the contract - this is one of the most popular tricks that fraudsters use when they sell credit cars. Sale in Moscow, St. Petersburg and other megacities with the identification of numerous cases of deception only confirms this. So be careful! In the contract of sale, always indicate the full cost of the machine you are buying.

Finally, if you manage to cross with a real seller (whose name is indicated in the PTA), then, after asking a few leading questions, you can accurately find out whether it is a machine. For example, you can ask about insurance or radio tape recorder, the number of keys in the set, and the location of the saloon that sold the "iron horse".

Conclusion

Now you know how not to buy credit cars. The acquisition of such machines is a real danger that lies in wait for many potential buyers. Therefore, when you get a good offer, do not forget about caution. A conscientious seller will not be afraid of a thorough check, but a fraudster will look for a more naive victim.

By the way, the sale of a credit car can take place on quite legitimate grounds. You ask about what you need for this? Nothing special! In this case, the seller together with the buyer goes to the bank and the latter pays the balance on the loan. After the repayment procedure, he receives all the documents on the machine and becomes its owner. So there is an opportunity on these terms to buy credit cars. The sale in this case will be performed by a bona fide seller.