How to check the car for a deposit in banks: reliable ways, recommendations and feedback

Quite often citizens buy a car on credit. However, under the terms of the loan agreement, they do not have the right to sell it until the debt obligations are fully repaid . But unscrupulous persons have developed a whole scheme that allows to circumvent this rule. They resell the car to people who are unsuspecting that the car is encumbered. About how to check the car for a deposit in banks, will be told in this article.

Restrictions for the owner

As stated above, for those who buy a car with a loan, there are certain restrictions. For example, a car gets in pledge to the bank, when the contract of sale is still drawn up. That is, even at the time of purchase of the vehicle, the future car owner no longer has the right to dispose of it completely. Either in another version, when a certain sum of money is required, and the bank is ready to give it out on the security of the machine as a guarantee of return of the invested funds. Naturally, the bank picks up the technical passport for the car and keeps it at home until the borrower repays the last payment.

In fact, the lack of a technical passport is not the reason that prevents the resale of the vehicle. The car owner makes a copy of the PTA and can sell the car to another person without the above-described document. In addition, there is no single base for all mortgaged vehicles. It would seem that this problem could be solved if banks were more responsible for maintaining such a base. However, in practice it turns out that for them it does not matter who takes the car in case of non-payment of debt. Thus, in order not to become a victim of a fraudster, you need to know how to check the car for security in banks.

The main signs of a mortgaged car

Most of the signs that the car was bought on credit are indirect. Only by analyzing them in general, you can get a detailed picture of reality. Most often, inattentive or overly trusting customers become victims of scammers. After all, it is enough to know the following nuances in order not to get a dysfunctional vehicle:

  • Duplicate title. In the traffic police can easily get it by writing a statement on the loss of the old. Many banks do not take the original of the vehicle's passport at all , referring to the fact that it can easily be obtained for a nominal fee.
  • If less than three years have passed since the purchase of the machine by the seller, and he wishes to sell it. Usually the term of car loans does not exceed this period.
  • The seller does not have all the necessary documents confirming that he bought it for cash (check, contract of sale).
  • Availability of a record in the TCP that the vehicle was purchased under a commission agreement.

So, deciding to buy a new car, you need to analyze the above characteristics. Having received an affirmative answer to the fact that it is in encumbrance, it is better to find another option. But if all the signs indicate that it is "clean", you can get acquainted with additional information and ask how to check the car for a loan or a deposit in the bank.

Recommendations when choosing a car

Of course, it's best to buy a car in the car dealership and without mileage. But not all citizens have such an opportunity. Moreover, an attractive price, lack of paper red tape do their thing, and buyers become owners of the car as collateral. It's another matter, if the majority of motorists were initially interested in: and whether it is possible to carry out a car check for a security at its purchase - and did not find unpleasant "surprises" after the deal.

Thus, if there is no opportunity to buy a vehicle in the showroom, then it is worth paying attention to the ideal condition of the car and its understated cost. This indicates that for some reason the car is willing to get rid of. And perhaps it is even stolen, which will entail even greater problems than the balance of the outstanding debt of the lender.

How to check the car for a deposit in banks

If you consider from a theoretical point of view, you can turn to all operating banks and ask them for information on the availability of a pledge of a particular car. Naturally, in practice this is simply not feasible. No bank will give such information, because it has no right to do this. Everything that concerns customers is confidential.

If you're lucky, you can find auto in the database of banks and dealerships. But, unfortunately, not all credit institutions send their reports there. That is why information of this kind is limited and is not a reliable confirmation of encumbrance. So how to check the car, car, car for bail? The answer to this question is. For example, you can see the insurance policy "Casco". If any bank is indicated in the column "beneficiary", this is an indication that the car was purchased on credit. Banks, trying to protect themselves from all sides, oblige their borrowers to insure vehicles so that in the event of an insured event the company covers all the damages. Thus, even the presence of the policy "Casco" from the seller should already alert. Because of the high cost of this insurance, it is rarely purchased by ordinary drivers.

You can contact the credit bureau and make a request to the seller. If in his history of loan payments there is a record of a car loan, then this will indicate that it is better to look for another option of purchase.

Who can become a victim of scammers - responses of victims

In order to enjoy the driving of the purchased car and not worry about the fact that bailiffs can come, it is necessary to carefully study all the documents and make some inquiries. About the most popular ways, how to check the car for a pledge in the bank, was described above. But even the absence of all the above mentioned signs can not be a guarantee that the car is not in encumbrance. And, unfortunately, quite often citizens become victims of unscrupulous sellers.

For example, it is often possible to see and hear the responses of drivers who purchased a car that was not in the mortgage of the bank, but of a private person, microcredit organization or pawnshop. Then the buyers and did not have the opportunity to check the status of the car.

What should I do if my car is pledged?

If, nevertheless, such an unpleasant incident happened to the buyer and it was found out that now his car is in encumbrance with the credit organization, then there is a way out of this situation. You can sue and claim damages from an unscrupulous seller. However, most often these sellers try to get rid of the car precisely because of the lack of possibility to pay the debt. That is why the court, having decided to recover the debt from the previous owner, can maximize its recognition as insolvent, that is, bankrupt. In this case, neither the bank nor the injured party becomes any easier. The latter will repay the debt for the previous owner, if he has such an opportunity, and the bank may lose its profits altogether. Thus, knowing how to check the car for bail, you can avoid such unpleasant moments.

Buyer Rights

In order not to become a victim of an unscrupulous seller, you should know your rights. For example, a court often retains ownership of a new owner. But to achieve this, you will need to collect more than one document and a certificate. If you can not prove the fact that you did not know about the encumbrance of the purchase, then by decision of the court the car can be withdrawn. But in this case, the injured party has every right to demand reimbursement of the money spent on the car. In any case, you should know not only how to check the car for bail in banks, but also their rights.

Helpful Tips

In addition to the fact that you can independently check the "status" of the car, there are also special organizations. Such companies promise to give a one hundred percent guarantee and assure that they know how to check if the car is in pledge. In fact, do not believe such promises, because even the traffic police does not keep track of cars in encumbrance.

If the injured buyer decides to get rid of the new property in the same way as the previous owner, then he must understand all subsequent responsibility.

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