How to check the security deposit on a car to buy it with a clean history? There are no official prohibitions on the registration of cars purchased by previous owners on credit in the STSI. From the driver, the seller can hide information about the location of movable property under encumbrance of the bank. Therefore, it is important to know the answer to the question of how to check the security deposit on a car. In order not to receive a large debt to the creditor with the purchase.
What signs should alert?
There are many reasons that can bring some trouble instead of the joy of a new car. Perhaps the unpleasant experience of unlucky buyers is not particularly interesting, but to prevent anyone from having popular tools for their own safety or knowing how to check the security deposit on a car. Before starting a search on a search engine on the Internet, you need to carefully consider the documents of the seller and the mechanism.
The main signs that should alert the buyer:
- the original title is missing;
- short tenure;
- previous commission clearance;
- the price does not correspond to the state of the vehicle, much reduced;
- no documents.
The owner may give convincing explanations for each shortcoming, but the facts require confirmation and knowledge, how to check the security deposit for a car?
Important information
Collateral is available in the official registry. To check, you need an online connection. In the search engine you need to enter "Autocode", he will issue a website on which you can learn in detail how to check the car for arrest and bail.
You should be aware that cars under encumbrance will lead to legal proceedings. This procedure has a long duration with the loss of nerves and money. It is necessary to prove their own good faith, to begin the search for a seller.
The registry shows information:
- data from the TCP;
- creditor;
- history of previous registrations;
- total mileage;
- fixed accidents;
- fines and restrictions.
What services produce the result?
There are several ways to reconcile data received from the host with service information.
Check whether the car is pledged on the following sites:
- Register, notifying of pledged movable property. The Federal Notary Chamber created such a vehicle base that went through registration. The disadvantage of such information is that data is recorded if they are provided voluntarily. Financiers have their interest in fixing debt completely, but they still do not correspond to reality, since not everyone is involved.
- VIN.AUTO.RU - a small reference book, but fast and free.
- FSSP - bailiffs provide information not for transport, but for debtors by passport details. If the seller has accumulated lawsuits or debt collection, the portal will reflect the arrears. There are also disadvantages here. Lenders transfer debts to collection companies, and they do not always act legally.
There is also a base where credit histories are stored - NBCH. The national office contains a wealth of information. More than 1000 financial organizations that issue loans to the population cooperate with him.
How to purchase a vehicle without problems?
An effective and easy way to check the car before buying for a deposit is to go to avtobot.net and fill out a vin code or license plate number. The portal will show the graphs in which you need to specify the data, the search button will provide the facts in the field for checking cars. Find a section will help a convenient menu.
The following recommendations may help protect against errors:
- get a consultation with a lawyer before drawing up the contract;
- check all the data in the car inspection;
- Do not believe the seller’s assurances without confirmation;
- Carry out a technical inspection at a car service.
How do scam schemes work?
People make money in many ways it’s no secret that some use illegal tricks:
- purchase on credit and resale at low prices;
- pays the loan for several months, after registration it disappears from the city or country;
- the lender begins the search, which leads to a new owner.
Do not forget about pawnshops and private individuals. They can help to permanently lose both a vehicle and cash.
Legislators have changed the law in the Civil Code. Article 352 states that a bank may not always pick up a car. If the buyer did not know and could not have information about the encumbrance, the pledge terminates. True, the legislative act does not say anything, how to prove your ignorance, but you have to sue the bank. The result depends on the loyalty and competence of the judge, whose side he considers necessary to support. If on the day of purchase, the information was not entered into the registers, it may be possible to confirm ignorance of the legal fact of the pledge.
In order not to be a participant in an unpleasant story, you need to take seriously filling out a contractual agreement. After the money is transferred, and the new owner is left alone with the paper, it will be difficult to prove the accuracy:
- passport details of the seller;
- places and dates of filling out the document;
- information from the TCP;
- the real value of the car.
The contract must be signed by both parties. Not an extra line about the lack of debt from the seller to the banks will help.