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Outstanding Finance
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Current finance agreements
on UK vehicles number over 7 million, 2 out 3 new cars are purchased
with some sort of finance agreement. If you buy one you could have the
vehicle repossessed by the finance company, if your selected car check
includes this search element you will be supplied with the details of
the agreement and be able to check with the lender as to the status and liability
of the loan
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DVLA data
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Gives you the following
information: Make, Model, Engine size, Engine number, Fuel, Body style,
Colour, Gearbox, Year of manufacture and date of first registration,
Scrapped notification received, Date current keeper acquired the vehicle
and the number of previous keepers.
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Police Interest
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Checks if the vehicle
appears on any stolen vehicle register or data bases. The Police
National Computer holds records of all vehicles confirmed as stolen, if
you buy one of these you may stand to lose it, along with the money you
paid for it, as they remain the property of the true owner or insurance
company who may have paid out on it.
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Registration Plate
Transfer
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Will tell if a vehicle
has been the subject of a legitimate registration number change.
In recent years personalised plates have become very popular and most
changes are completely innocent, however there is always the fraudulent
members of society who will try to use a plate change to hide a vehicles
true past i.e. stolen or accident damage.
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Imported Vehicle
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Whether a vehicle is
registered as imported. Note a data check cannot provide information
about the vehicle while it was not in the UK. Also note that a vehicle,
new or used, purchased from another country within the European Union is
now not classified as imported.
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Mileage Check
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Providers use various
sources to ascertain that a mileage is genuine they include DVLA (Driver
& Vehicle Licensing Authority) VMC (Vehicle Mileage Check) BVRLA
(British vehicle rental and leasing assoc.) RMI (Retail Motor Industry federation)
NMR (National Mileage Register) results will be given in date order so
that they can be checked against known date/mileage points i.e. service
records, MOT's, etc. Data check providers may ask you to input the
current mileage of the vehicle and will flag up any discrepancies that
appear in the sequence. If there is, there will be a strong possibility
that the vehicle has been 'clocked' (had the mileage turned back) and
should be avoided. It is estimated that clocking cost the industry
around £100 million a year, it is a major problem in the UK, beware.
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High Risk Alert
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A car appearing on these
registers
is deemed at high risk of fraud or theft and may well be being track by
a third party. They may be hire cars, garage forecourt stock or demonstrators
etc. and are placed on the register so that they can be traced easier if
stolen and offered for resale.
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Valuation
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Valuations, where available,
assume you are buying the vehicle from a dealer, they will presume the
vehicle is in good/average condition with a average mileage of around
10,000 miles a year from registration. The valuation given will not
be for the actual vehicle being checked but an indication of the
market value of that particular make/model/derivative
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MOT Certificate Check
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If available you will need
to provide the certificate number. MOT certificates do get stolen,
forged or cloned and vehicles sold with a dodgy MOT is probably not
roadworthy. The number you provide will be check against all that have
been reported or recorded stolen so may flag a suspect certificate.
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