Car Troubles Can Be More Than Just Money

When cars break down unexpectedly, it’s not just about spending money on repairs. It can also mean missing work or being unable to take your kids to school.

Used Car Surprises

Many people buy used cars that turn out to have hidden problems. These surprise issues force them to spend their hard-earned money on repairs.

Be Smart When Buying

Especially now, when money is tight for many of us, be careful. Ensure you’re getting what you paid for when buying a used car. Before you make that big purchase, do all the necessary checks to avoid surprises.

Top Tips for Buying a Used Car: Steer Clear of Problems!

As 3.5 million people consider purchasing a used car, Citizens Advice Havant is here to help you make an informed choice. We’ve got your back when it comes to avoiding unexpected car troubles.

Why Used Cars Matter

Used cars consistently top the complaints received by Citizens Advice’s national Consumer Service; last year we received a new used car complaint every three minutes.

The Common Culprits

• Defective Goods (66%): Most complaints revolve around issues with the car itself.
• Safety Concerns (13%): Safety matters! Don’t compromise on it.

Top Tips for Smoother Rides

1. Check the Trader

From a Business (Trader)

• Look for established firms with good reputations.
• Opt for garages that are part of the Consumer Codes Approval Scheme. This way, you can seek help if things go awry.
• Opt for a trader whose cars have been inspected by an independent engineer or a recognized motoring organization. This ensures transparency and reliability

From an Individual Seller:

• Expect roadworthy vehicles unless you both agree it’s for scrap or spares.

2. Investigate the Car’s History

Inspections and Checks:

• Get the seller’s permission for a vehicle inspection.
• Keep records of all inspections (screenshots or downloads).

DVLA and MOT History:

• Use the DVLA’s free online vehicle checker.
• Check the MOT history on GOV.UK.

Private History Check:

• Spend around £20 for a private history check.
• Uncover serious car problems.

Still unsure? Go for an independent report (costs £120 to £250).

Test Drive:

• View the car in daylight (preferably in dry weather).
• Spot damage more easily when it’s not wet.

3. Paying for Your Used Car

Read the Fine Print:

• Ask questions if anything seems unclear.
• Don’t feel pressured into paying too much or adding unnecessary features.

Essential Documents:

• Original log book (V5C registration certificate).
• Valid MOT test document.

Never buy a car without the log book.

Payment Methods

Cash

• No extra fees or interest.
• Limited protection if something goes wrong.

Debit Card

• Some protection through your provider’s chargeback scheme.

Credit card

• A credit card may offer additional protection if something goes wrong, but charges or interest may be considered.

Bank loan

• Work out how much money you need to pay before agreeing to the loan.
• Check the loan duration and other fees that may be included (such as early repayment fees.)

Finance deal

• Work out the full amount of money you will need to pay.
• Check the duration of the finance deal.
• Check for any additional fees.

Joint ownership with family or friend

• Ensure you have a written agreement/contract (it may be worth getting legal advice)
• Make sure the ownership paperwork is completed correctly.

Hire Purchase

• You won’t own the car until you have paid in full
• Check the terms, length of the contract and how much you will pay in total before agreeing to the contract.

Conditional sale (Similar to hire purchase)

• The agreement usually includes the condition that the goods don’t belong to you until you’ve paid the final instalment
• The lender may be able to repossess (take back) the goods if you fall behind with payments.

Personal Contract Purchase (like a longterm rental contract)

• Options to either buy the car, return the car or use the resale value towards another car at the end of the contract.

Part exchange

• When you offer your old car as part of the payment towards a car you want to buy. Check what the car is worth before agreeing to the price being offered.

Please visit https://www.moneyhelper.org.uk/en/everyday-money/buying-and-running-a-car/whats-the-best-way-to-finance-buying-a-car for further information about car finance.

Remember, a smooth ride starts with smart choices. Happy car hunting!