BEWARE! A New Sneaky Car Scam Caught Me Out!

PART 2 : • The Car Buying SCAM Th...
Scammers are everywhere and when you think you've seen it all, a new one comes along! This particular scam is centered around outstanding finance.
Facebook Marketplace, Gumtree, Ebay, Autotrader Scams seem to be rife at the moment. Stay Frosty Folks!
As always let me know your thoughts in the comments below.
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[@ScottishCarClan]

Hey all... If you're searching for a good solid HPI check this is one I recommend using : vehiclescore.co.uk?ref=SCCYT15 Use code : SCCYT15 for 15% off

[@sarcastixx74]

@@mariemccann5895 There are various online services offering legit checks on cars, HPI Ltd do not have the monopoly over it.

[@mattcorsi1969]

​@@mariemccann5895he's full of shite 😂 I've done a check in the car myself. No finance, no number plate change since 09.2021, no new owner since 17 Jan 2023, logbook duplicate ordered 15 Feb 2023

[@TheWatcher369]

I am stunned that you never done the change of keeper online.Is there a specific reason why you never ?.

[@kevinkaos5118]

You should name and shame the bloke who took out the loan secured on a car he never owned. Shame him or others will get stung.

[@EmeraldHill-vo1cs]

You dont think he's done it before and has a dozen names maybe.

[@andycalifornia426]

@@EmeraldHill-vo1cs He'll run out of names and addresses eventually, unless people just keep shut thinking "phew, I got out of this, let someone else report this guy".

[@EmeraldHill-vo1cs]

@@andycalifornia426 Nah, look down this page at people who've paid the lender etc, cos they are told 'obey the law'.

[@andycalifornia426]

@@EmeraldHill-vo1cs Yeah, and having paid out of their pocket, they're somewhat justified in publishing info about the person. Or why not try and reporting that to the police? It's fraud. Reporting this is a duty. When enough people will report, things will start getting done, which in turn will make the frauds think twice, which in turn will reduce the amount of fraud.

[@EmeraldHill-vo1cs]

@@andycalifornia426 Of course tell the police, thats a given.

[@bm7760]

If the date you bought it preceded the date the seller secured finance than surely its fraud and a matter for the police? I can't randomly secure debt against another person's property and expect that they then become liable in any way.

[@simullane7836]

Agree; this is pure fraud as the car was for sale if not sold when they took the finance out.

[@mickl3008]

That's exactly what I thought.

[@PostingCringeOnMain]

It sounds like it should be that easy, but the burden of proof for criminal fraud is pretty high because you have to establish the Mens Rea - or 'mentality to commit fraud'. That is to say, you'd have to somehow prove that the guy selling the car did so specifically with the act of fraud in mind, which you basically can't... therefore it'd be a civil case between two private parties and the police will just tell you to recover your losses through small claims track.

[@sneekeruk]

@@PostingCringeOnMain You would have burden of proof as the finance would of been taken out either shortly before or shortly after the car had been sold and that an old v5 had been deliberetly kept to be able to sell the car on after securing the loan against it.

[@IslanderJerYT]

It sounded like the seller had two V5’s from when he changed the plates. He then took out finance using the new V5 and sold the car using the original V5, so the finance would have been valid, and he’s probably in quite a tricky predicament with the loan shark!

[@eSysmanSuperYachts]

When you buy a car everyone should now not accept the piece of paper from the V5. You can fill this out online and that piece of paper is not needed. Doing this would have prevented that scammer from giving you the old slip.

[@kirkhamandy]

If you run a tax and mot check on the registration it also shows you the date the most recent V5 was issued. Get that before you go and then check the issue date on the V5 the seller hands to you. If they don't match it's a scam and walk away.

[@wendymitchell4004]

Good point will try to 😊remember that

[@williamthomson7820]

It wouldn't have worked because he had a private number hence he gave the buyer the old V5 with the old number, when it was still registered with the private number which he kept the V5 for and got a loan with.

[@brianpaige4884]

Yep name and shame him...he got away with it to scam some other poor person....we all have to do the right thing....to stop the scammers

[@fly9wheel]

I very much doubt the scammers will ever be stopped.

[@jpest]

Do the transfer on line, this would have highlighted that you had an old V5. You can do this at the time of sale

[@bbjunkie]

and I bet the seller who took the finance out after he sold the car didn't get a knock on the door from the law even though that's just 100% fraud

[@ColinCarFan]

He would not have got the law calling perhaps, but the Finance Company likely sold the debt on at a lower price and if that second company had no luck knocking the door, they would sell on again etc, etc, and eventually the debt goes to companies who knock your door day and night and speak to neighbours if you don't answer.

[@EmeraldHill-vo1cs]

@@ColinCarFan Big chance he's long gone.

[@specialandroid1603]

Its fraud for sure but the police probably don't have time to investigate. Even when they do, getting convictions is unlikely.

[@fatfreddyscoat7564]

I’d have knocked on their bloody door, I can tell you!

[@PostingCringeOnMain]

Yeah but it's not going to be criminal fraud between two private parties over a couple of grand. For a criminal prosecution for fraud, you'd need the Serious Fraud Office to get involved, which they definitely aren't over a 17 year old Ford Focus... you'd need a couple more zeros on the value of the fraud for the police to remotely care.

[@andypandy4987]

Top tip - complete the change of ownership details online i the presence of the seller and it will ask you for the reference number from the V5. If it is not the current V5 the DVLA system will not let you make the change - serious red flag to walk away. Tell the seller this when discussing the deal before purchase and make it clear ypu will walk away in this situation. The vehicle is in your name from that instant, so any attempts to get finance will not link to you in any way.

[@benturner868]

Changing ownership via the dvla website at the time of purchase would eliminate this. If he gave you an outdated v5 then the dvla site wouldn’t allow you to change this online. It’s what I always do when buying/ selling.

[@spacemanwho]

Hey, so would you do this then and there or when you bring the car home? Thanks

[@benturner868]

@@spacemanwho at the time of purchase. Takes 30 seconds. V5 comes in less than 5 days normally.

[@spacemanwho]

@@benturner868 thank you, really good to know.

[@dunglass1]

It is possible to protect yourself against this. You can check the date the current V5C was issued on the government website and check this date against the V5C being presented by the seller.

[@alanbone5512]

Glad things turned out OK for you and your friend, it's disgusting that there are unscrupulous people about, good warning for everyone,.

[@fly9wheel]

Scammers are disgusting people who are making vast amounts of money !

[@alanbone5512]

@@fly9wheel yes they are, totally disgusting preying on vulnerable people, there should be more prosecutions but sadly, it's not the case, they are , just as bad as home invaders, etc,, like the stuff left round a bath, scum, ,, , , one bit of good news I herd the other day, a person trying to break into home was caught by home owner, even though the guy who wa trying to break in hada crow bar and attacked the home owner,, he found he picked on wrong place, he was knocked out, , if he had got in he would have have had to face three dogs too,,, what an idiot,. ,

[@W3rkd999]

That’s why on a HPi check, checking the latest v5 issue date from the DVLA is so important. 👍🏻

[@gamesinteractive2553]

I had this happen to me, I bought a range rover and then passed it on to my mum. After a few months we were contacted by a finance company but I was advised that I would have to either give the car back or pay off the outstanding amount. I paid an extra £9,000 for the car and I'm still trying to get the money back from the seller by taking them to court 2 years later. Experian didn't show this finance on the HPI check I performed, and refused to honour their "Data guarantee" which insures up to £10,000 I think. It's been a huge nightmare and I'm not sure I'll ever get my money back!

[@GoalSquad666]

The mistake was, paying the loan company, especially if you buy the car in good faith.

[@finenebula]

@@GoalSquad666 Absolutely. When they say there are 2 options, tell them there is a 3rd - you are going to lock the car away and they can take you to court and you will countersue over "good title" and it can be argued there. They want the quick solution and unfortunately you provided that

[@schrodingerscat1863]

Never pay the loan company in such a situation, go to court and let the court decide. If you buy with clean title the judge/magistrate will make a ruling to that effect and evidence has to be produced that the finance agreement was in place before the title changed hands. The loan companies are just looking for a quick resolution in their favour and now you paid up you essentially agreed to settle. Only option you have for recovery now is Experian who you have a contract with and they should honour that contract up to the value stated in the terms and conditions of their contract.

[@kevinmoffatt]

Sorry to hear of the scam; makes me fume that we pay good money to Experian etc. and, when we get caught, they don't honour their guarantee. Why should we use them if they let us down so badly?

[@DarkStryder360]

How do you even get around this. Doesn't show up on any checks, you just have a bailiff threaten you randomly down the line? Used car buying is stressful enough.

[@CharlieBrown-uv6uw]

the whole private sales second hand car market is now a minefield, especially through FB Market place, there must be 10 scam ads for every genuine one. I used to feel safe if I had done my due diligence and ran the intended purchase vehicle through Car Vertical or similar, but not now. Thanks for posting this good informative video.

[@xfire7]

Sounds almost like the seller was in with the loan sharks and it's a regular turn they use , thank goodness you came under Scottish law .

[@cb8491]

So many scumbags out there.

[@ScottishCarClan]

Yep 😔

[@johnreynolds2387]

Well done for clearly explaining a very complex situation.

[@MadMax351]

you can't beat an old ford. good on the scotts for having a smart law to protect their people cheers.👍👍

[@grantlacey571]

Wow that's definitely something I have never heard of I've been buying cars for over 30 odd years now thanks for bringing this to my attention

[@philatkinson1983]

Always get a purchase receipt signed by the seller, which clearly states no finance then you are covered legally

[@l.s.tukbigbud7715]

Speed camera normally helps the previous owner send the logbook off a bit faster....

[@garyboag8681]

Is this maybe something that HPI or Carvertical need to change on their history checks? Surely if you check by VIN number then it shouldn’t matter what the number plate is on the car at the time of purchase. Very sneaky indeed.

[@mandymoo7406]

we might complain about scotland and its draconian alcohol rules but at least it tells log book loan companies to do one,this is a major problem down here and govt just whistle

[@madmechanic7641]

Good man for bringing the subject up and making everyone aware.. I personally have been sent two identical V5C's for a car I bought last year.. On 'phoning DVLA they asked me to destroy any one I chose as it was a clerical error.. I actually think DVLA should pick up the tab on this OR at least in the future, demand return of first issue logbook before sending a second / personalised number change logbook out..

[@raymondo6665]

DVLA probably too busy dishing out Registered Owners' details to Car Parking Companies.........

[@fly9wheel]

The DVLA, another government outfit employing incompetent part timers.

[@derekheeps1244]

If you do it at your LVLO they take the old one off you .

[@forevered4270]

I only discovered your channel a couple of days ago and love it ! Watched loads of your old videos, keep up the good work !

[@ScottishCarClan]

Thanks so much buddy. Nice to have you 😁

[@nigelk780]

Name and shame the con artist that sold it to you.

[@blazingmaniac100]

Very good to know, and for this to catch someone out the buys and sells a lot of cars it just shows you the level people are prepared to go to for a quick bit of cash. Good result in the end thankfully.

[@ScottishCarClan]

Yes, scary world and a lot of people desperate to make a quick buck! Thanks for watching buddy.

[@GMT439]

@@ScottishCarClan Every video made in the last few years about a SCAM. Is in fact a SCAM pushing the digital I.D Cash and Tracking agenda. All of it is staged to push that agenda along and normalise it by pretending it's for the best etc. Scottish CC = 33. Anyone who falls for any of this shxt is a complete and idiot and anyone push the agenda is themseleve a SCAMMER.

[@thefreedomguyuk]

Scary. Not sure neiter seller nor lender would have won a court case. The loan was clearly fraudulent.

[@davideastwood5552]

Had a similar situation, even after the car had come via a dealer. Weird thing was, it was HPI clear, but showed it had outstanding finance when later checked via Experian. Will be checking both in the future (or asking the second hand dealer to provide evidence of both checks).

[@davidhughes3727]

Great video and very interesting as I'd never considered that this might happen with unscrupulous sellers! Always vitally important to get a written, signed and dated receipt!

[@derekheeps1244]

dated AND timed

[@pabloyagani]

Glad I’ve found your channel, great work mate

[@jeremyhall7495]

Great info, thank you for putting out the advice 👍!

[@1988dgs]

Taking finance after the vehicle was sold makes the finance null and void anyway and the financier needs to chase that with the person they gave the money to, always get a receipt when buying a car to prove date of transfer

[@schrodingerscat1863]

Date and time of purchase is best, then there can be no possibility of this kind of fraud. You can also do the V5 transfer online where everything is updated instantly preventing the previous owner running a scam like this.

[@catxls1835]

I almost bought a car from a dealer that had outstanding finance on it! Thank the lord for car check sites!

[@medicus9360]

Cars from dealers often have outstanding finance against them due to the dealer financing their cars, this is then cleared when the sale is completed

[@jeepxj8903]

The check sites are a money making scam. If finance companies can repo a car after its sold, then the info should be freely available. Either a national register or via dvla. Dvla are clearly happy to release new keeper details to repo companies, therefore a tick box on the v5 would work for all concerned, and have minimal cost to manage.

[@catxls1835]

Anyone can apply for a V5 document in the UK (at least it used to be that way). As it states on the Official document, "This is not proof of ownership". However, if it has outstanding finance on it, the car can easily to be found and normally trailered away from their shocked current keeper, who is left with nothing. I didn't realise there was a massive loop in this area too. Great video, and I will be watching your previous videos! Thumbs up.

[@Slacker1967]

Yes but if the finance occurs after the transfer of legal ownership takes place, which is the date that hands are shook and money changes hands, then they have no legal claim over it. Their issue is with the fraudster and not the new owner.

[@schrodingerscat1863]

That is not the case, if the car is transferred with clean title as this one was and then finance is fraudulently obtained after the transfer then the finance company has been scammed not the new owner. Any court will confirm this, you can't obtain finance on something you don't own and if you do it is fraud as the finance has been obtained illegally. As the scammer no longer owns the vehicle any finance agreement signed against it by the scammer is invalid, what you have here is money being stolen from the finance company.

[@fly9wheel]

We are not owners, just registered keepers, a big difference.

[@schrodingerscat1863]

@@fly9wheel Owner and registered keeper although often the same person are not always which is why there is a distinction between them.

[@chris-non-voter]

Thank you sir. Brilliant video.

[@bulltraderpt]

Very interesting. Thank you for this issue to look out for.

[@adamrodregez4181]

When doing a hpi check you have the option of adding the current v5 issue date, if you do that hpi will tell you if this is the current v5 or and older one, could save you a lot of headache if this is done.

[@greyjamiesod4989]

A salesman I drove about 120,000 miles a year. I cannot count the number of cars I had. NEVER have I been as unlucky as this. I am very pleased about your acceptable outcome.

[@hajirpirouzfar9481]

Fantastic stuff. Thanks for sharing

[@tooyoungtobeold8756]

Surely the first seller committed a criminal act, ie fraud?

[@mariemccann5895]

Difficult to prove. There are two sides to every story.

[@NigelsModellingBench]

I'm left wondering how the scammer financed a car he already owned??

[@terminaljunk]

Might not apply in Scotland / this case but "Log Book" loans used to a really big thing, think the technical term is Chattel Mortgage. From what I understand you sell the car to the loan company who then sell it back to you (in instalments + interest), you can still drive the car and remain responsible for insurance, tax etc but until the last payment is made the car is not legally yours.

[@robredz]

@@terminaljunk Logbook Loans still a big problem Consumer Action Group and MSE have loads of advice threads around these.

[@AI-Records24]

@@terminaljunkmy mate owned a company doing this and they always required the customer to come down in person with their car for checks before any loan was issued idk how he did this!

[@TironStarstryker]

My Understanding (American, so I'm not entirely up on how it works over there) is that basically, they gave him an 'outdated' V5 document to do the transfer with... which caused the transfer to silently fail. He had to contact DVLA to get it straightened out, but in the meantime the car was still officially listed under the actual current V5 that they'd kept. This gave a window of a few days/weeks/whatever (until he contacted DVLA and got it straightened out) post sale where any checks on the car show it as still being the Seller's, on the V5 that they kept. By waiting until after the 'sale', the car will show up clean no matter *how* you check it. The key point is that by giving the 'old/original' V5 instead of the one they'd been using, it held up the official transfer process, giving them time to take out a 'loan' before it gets straightened out.

[@mariemccann5895]

@@AI-Records24 He did it whilst it was registered on the 'private registration' then transferred the original reg back with the DVLA. That was a finance check using the original reg is clear. It is loop-hole as there is no automatic process in place whereby the DVLA notify finance companies a reg has been transferred. It a well known scam...

[@bigfra79]

Top video with top advice. It goes to show that there are still bawbags out there who are trying to be fly. (Yes, im scottish too) You guys did tge right thing by correcting the cars history, and ensuring the debt stays with the deceitful dobber.

[@alexedwards6509]

Great happy ending to the video. But I don't want to alarm you, but there appears to be a small dog stowing away in that red car. I had a dog like that. I'd open the door and in seconds he'd sneak in and be hidden behind the seat

[@lindsaymac911]

Excellent video, as a fellow scotsman that buys lots of cars, something to add to my bill of receipt to get a signature depicting no outstanding finances.

[@Wiltshire_watcher]

This almost happened to me in the early 90’s, but the car was six months old from a main dealer !. I had a phone call from a finance company confirming I was the new owner (2nd from new) but the first keeper a lady, had outstanding finance in the car. The main dealer sold it on to me without declaring that, I was furious. The car wasn’t repossessed because the dealer must have stepped in somehow. I didn’t keep the car long after that, couldn’t wait to get rid of it.

[@cp4512]

One good reason why I never buy from private sellers anymore. Huge risk, and most sellers are greedy and try to sell at close to dealer prices anyway.

[@1988dgs]

With none of the comeback

[@originalshadowfax]

How very dare they try to get a higher price so you cant make even more profit when you sell it on!!

[@Conservator.]

The video explains that they didn’t lose any money so there was no risk in that regard. If a seller asks more than you are prepared to pay, then you just move on to the next one. Just like you would or should do when you’re at a dealer are any other car business.

[@Al_Pollock]

Fancy wanting to get the most money they can for something they are selling. How very dare they 😡

[@andycalifornia426]

​@@Conservator. The point the dude is making is that as a buyer, for the same price, he'll go to the dealer because there's legal protection.

[@AJZulu]

well done clearing this up.

[@DieselPower1968]

Great informative video on hidden finance on used cars..even though the hpi check came up stating there wasn't any on the car at the time of purchase..I am looking to purchase a used car very soon..and will do a Car Vertical check because they seem to be very clinical in there checks.. once again great Video..👍👍

[@ScottishCarClan]

Good luck and yes be vigilant! The car vertical check does seem to be very good from what I hear.

[@schrodingerscat1863]

Do the transfer of ownership online, it is instant and prevents this kind of fraud because the transfer is registered at the instant you purchase it.

[@steverogers7473]

Yeah, I get it! Don't give the seller a "window" to apply for finance before they return the V5 to the DVLA.... 😉👍

[@aallan646]

I have heard this before a few years ago from someone, esay to say in hind sight but if buying a car with a private plate , always get the original reg so you can check it. Really crafty and sly move that person did ! Shocking.

[@thebeardedcartrader]

Just came across your channel. Sad but interesting story, a lot of dodgy people out there unfortunately!

[@EmeraldHill-vo1cs]

Yeah, used car dealers, dodgy/

[@simonevans343]

Thank you for that

[@johnstaring3210]

Thanks for the heads up on this shonky practice and scam.

[@Stoff1]

It sounds like it would of best to check when the latest v5 was issued. If it doesnt line up with whats infront of you leave the car alone.

[@26DR715]

A similar thing happened to me a few years ago, with a range rover I bought for 3500, I had to give it back to the finance company, I bought car from garage as well so thought everything would be OK.

[@07willows]

Excellent video, thanks.

[@laztheman1291]

Surely the contract with the loan shark would be void since the person who took the finance out on something that did not belong to him, and having the V5 isnt proof of ownership. Well done for getting it sorted in the end.

[@CarsofGlasgow]

Scary - thanks for sharing

[@PhilMossTHFC]

Thanks for a good video. QUESTION: Did the HPI check not tell you it had had a cherished number?

[@alexandermichael117]

Thanks mate for the info.

[@curtisj2165]

The original owner probably took out a log book loan. You have to give the V5 to the lending company and these kind of companies are not legally required to register the debt. These kind of loans actually date back to the horse and cart and stays on the vehicle, not the person that took out the loan

[@ianelliott229]

Excellent consumer advice!

[@leonleese4919]

Great and informative!

[@Concorde-AXDN]

Hi, just come across your videos on KZbin. Love the content so I have subscribed.

[@jamesmateer2020]

Thanks for the advice great video

[@pianoman6639]

I’m just glad you got it sorted and neither your your friend lost money on it

[@stevebrown4122]

Wow what a sneaky trick I’m glad you got it sorted 👍

[@richardpettet9996]

Seen a company elsewhere called Car Vertical which if you used them to check car's history it would have shown up the change of plate etc. They are quite thorough. You have to pay but they come recommended

[@peadarmcelroy]

Thanks for sharing 👍

[@hypergolic8468]

I appreciate going on the plate is a fast way to HPI check, but it's almost reaching the point with this example of having to check the vin to stop a plate transfer scam - unbelievable really - and yes I appreciate vins can be cloned, but there's got to be a better way. But a great warning for us all, thanks!

[@schrodingerscat1863]

HPI always follows the VIN not the plate, for an HPI check you should provide the VIN.

[@hypergolic8468]

@@schrodingerscat1863 I must admit it was many years since I last did one, so things have moved on, but that's useful to know. Cheers, all this is useful knowledge to have.

[@steveclark..]

​@@schrodingerscat1863I wonder why the HPI check didn't flag this car up then??

[@schrodingerscat1863]

@@steveclark.. The loan was taken out after the sale so when it was sold there was no outstanding finance. This is why the log book handed over was an old one. They kept the latest one then took out a lone pretending to still own the car. This is why the best way to transfer the car these days is online because it's instant at point of sale.

[@steveclark..]

@@schrodingerscat1863 Ah, thanks for clearing that up, makes sense. I've never ever had dealings with these loan sharks, I assumed that they would want to see and maybe inspect the actual item that they are stumping up the cash for. Amazed that they just accept the details on a document.

[@panelvanman7671]

in good faith.......its like that in South Australia too

[@Phil-Sands]

Thank goodness for Scottish law being more straight forward and seperate from the law as pertaining to England, Wales and Northern Ireland. I have heard many cases where firms have brought claims against Scots in an English court for this type of thing and similar that are not enforceable in Scotland.

[@avec4amadman1]

For the 1st bit of the video I thought that the eyelets in your Hoodie to the left and right were the skip 10s forward and 10s backwards buttons 😂😂

[@user-oe1mb9hu9i]

SAME issue: Was sold a 4x4 that turned out NOT to be a 4x4. Good Title was NOT a Good Title and the seller knew this and hid that detail from me. Result. Got re-imbursed fully, left the car in a car park and told the guy that where he could pick it up before it was taken off to the compound or scrap yard.

[@scotspie501douglas7]

great video and thank god we live in scotland

[@jimshotrod2519]

I usually buy my second hand cars before 6pm an do the V5c transfer online ( they close the website at 7pm) This would have flagged the V5c issue .

[@I00T]

Lool! Bro should have done a car vertical check

[@Freddie1980]

1:22 ah yes a Celts greatest fear 'expenditure' Thanks for the video, that was quite an elaborate piece of fraud. Amazing the lengths some people will go to grift a couple of grand at the risk of a criminal record.

[@wtpash]

Great video - I've limited experience in buying private cars, but wouldn't an easy fix to this be to just complete the transfer of ownership via the online portal? That way you'd always be confident its legit?

[@jamiepolson]

Shocking!! Would it have helped to have done the v5 change online ?

[@Alan-wc7dl]

very interesting, thank you

[@karter5351]

Very informative. I trust the finance company are going after the person who financed a car they had sold and pursuing a fraud charge

[@michaelbradley-yorath9682]

Maybe it's time to stop private plates?

[@karlosh9286]

Just have the HPI checks via the VIN chassis number. Yes VINs can be fraudulent. But that's usually around stolen vehicles having a written off vehicles VIN plates welded into the chassis. That's a different issue, as compared to the finance fraud mentioned here. Although I'm really not bothered by private plates, I'm just saying they don't need to be banned. In fact I'd never want a private plate. I don't want to pay for them, or the DVLA fees around mucking around with private plates. Seems like a lot of hassle and money for nothing to me !

[@RS265trophy]

thanks for the information

[@fasthracing]

Interesting. Possibly when people do an HPi check and see its had a plate change they will look further into it.

[@julianb1474]

I'm in Canada, so different situation here. A better system IMO. ALL info like finance, service, accident records, previous ownership etc is attached to the VIN and can be found either for free or a modest payment to Carfax. Don't understand why UK cannot use same system.

[@Berlitz81]

Couldn't wait to hear what the scam was.

[@AndiePeter]

Very interesting situation - thanks for sharing. Would it have raised a red flag if you did a Car Vertical check which showed change of number plates and then match this against the issue date of the V5? Am I correct in the HPI check alone wouldn't have shown this information?

[@fivedotsdave9723]

I have just bought a 2008 5 cylinder ST with the normal engine problem, can't wait to get stuck into it....

[@muddin8097]

Hi mate Glad it worked out okay in the end. You know car vertical and similar companies, are they essentially the same as hpi checks?

[@NC--rc9kp]

The thing is the scan seller didn’t even need the two V5’s. If the buyer does a HPI check today then buys in two days that’s enough time to take finance out. I do one before I go and see it and another literally 2 mins before I pay the money.

[@charleswillcock3235]

Excellent content very well presented.

[@WEFLIPANYCAR]

How did you tax the car 🚗 if you didn’t have the updated new keepers slip, As you was driving it on public roads??

[@norwegianzound]

2:13 in and my first red flag "hands are shook, deals are done and the money is transferred" then the paperwork. Wrong sequence.

[@seang794]

Had this problem with an old jag , company said theyd come n take it ,i said fine but im taking the engine out as i told them id put a newer one in so basicly they didnt bother and took car of register, what annoys me is there is no way to check if a v5 is current unless u call dvla

[@Sandysand701]

A signed dated bill of sale for the car should be enough to prove the car was your's from that date, a loan taken out on the car by someone else after that date is illegal, so don't think they can legally take the car!

[@PlanetHumza]

Might be wrong but most hpi checks also provide the last few number of the v5 serial number. You should compare that to the sellers v5 to make sure they match, save a lot of hassle

[@Ambienfinity]

Thanks for the heads up. A very good warning - if someone experienced can be caught, we all can. You've been very diplomatic not naming the person who conned you. Disgraceful. As I would have expected, Scottish Law protects the buyer a little more than English law -- down here it's caveat emptor! Excellent explanation - subbed.

[@robertjcashworth4712]

Brilliant video. First time I have watched you. Coincidentally I am going to look at a car in east area of London. A merc ml at £6995. How do I know I have latest v5 and if it has had number plate changes which a merc may well have had? Thanks

[@nscuthbert]

HPI check or DVLA. That will give you the date of the current V5C.

[@TNotoriousAdam]

Does anyone know how this would work with HPI checks that would normally pay out if you purchased a car which had outstanding finance? Would they just say at the time it didnt have any so its nothing to do with them or would they step in and sort this for you as part of what you pay for with the HPI?

[@PJ-om2wq]

I also thought that paying for a HPI check also includes insurance against this type of thing. I would like to see an answer to this.