Home Useful properties of fruits Check the car for a deposit at the bank. How to identify a credit car

Useful properties of fruits

Check the car for a deposit at the bank. How to identify a credit car

Banks Today Live

Articles marked with this sign always relevant... We are watching this

And the comments on this article are answered by qualified lawyer and the author himself articles.

Buying a car is a joyous event for any person. After all, it is not just a vehicle that is acquired, but also a loyal "friend". In order to keep up with the crazy pace of modern life, it is very important that this very "friend" is always there, and does not let his master down.
Unfortunately, the car market is a conglomerate of scammers who resort to various tricks to achieve their goal. By purchasing a car, especially "from hands", you can easily be left without money or without a car. In this regard, the question arises: “How to protect yourself and not become a victim of malefactors? And what should be considered when buying a car? "

Buying a car is a process that cannot be rushed. In order to choose a truly worthwhile car, there is little visual assessment of the subject of the transaction. As for the purchase through car dealerships, here you can be sure that the purchased vehicle does not belong to anyone, and there are no fines on it.

The situation is more complicated when purchasing a car "from hand". Naturally, a used car is much cheaper and requires some repair. Besides, not everyone can afford a new car.

For such motorists, it will not be superfluous to remember that the first thing they should do is check the car for a loan or a pledge. This should be done always and under any circumstances. Even if the seller is a relative or a good friend, no one can guarantee that the car being purchased is not pledged.

It is worth remembering that along with the car, all existing debts are transferred to the new owner. These can be both taxes and penalties, and installments under a loan agreement. In case of loan delinquencies, the bank will always be able to withdraw the collateral.

After a visual inspection of the purchased car, it is necessary to ask the owner for the documents for the car. If the seller shows copies of documents, then this fact should alert the buyer. Even if the seller says that he will show the originals later, this also speaks of a dubious deal. It is best to refuse this option. It is likely that the seller has mortgaged the transport, is trying to gain time and deceive the buyer.

The main document of the car is PTS - Vehicle Passport. In addition, the seller may have a CASCO agreement, you also need to familiarize yourself with it. Unfortunately, not all car owners read the contracts with the insurance company. But it is in them that a mark is always put on the presence of a pledge.

From the TCP, you need to write out the following data:

VIN code is a seventeen-digit number. It is usually indicated on the first line of the TCP;
Surname, name, patronymic of the owner of the car;
His residential address;
Date of issue of PTS.

This data will help you find out if the car is on credit or not.

It will not be superfluous to ask the owner if he has a purchase and sale agreement, or a service agreement for the purchased car. The point is that such documents also contain appropriate marks.

How to check a car on the traffic police website

You can find out whether a car is on credit using the traffic police website. The state meets the needs of motorists, so the service is available to every Internet user.

How to check a car on the website of the notary chamber

The official website of the Federal Tax Chamber is designed to help the buyer collect information about the presence or absence of a deposit in relation to the purchased vehicle.

If, for example, the owner of a vehicle previously took out a loan secured by a car and stopped paying on it, then the service will show the corresponding marks.

The site is easy to navigate, so the information you need is always at hand. The procedure for the user's actions is the same as in the previous paragraph, the only difference is that you need to go to the tab - "Register of movable collateral". Next, you need to specify the VIN number and request a check.

It is worth remembering that you need to enter the VIN number with special care. If an error is made, the service will not indicate this, but will display a message that: "there is no information on request."

List of car check services

Very often there are times when the above methods of checking the car are not enough.

Unfortunately, the sites of the traffic police and the Federal Tax Service often hang and give out incorrect information. It is difficult to say for what reason this happens. However, many car enthusiasts use additional verification services. The list of such sites is shown in the table:

P / P No.	Site	Short description
1	gibdd.ru	Checking transport on the official website of the traffic police. This is theft, fines and more. You can check.
2	reestr-zalogov.ru	Site for checking a car according to the Register of Pledges. The search is performed by VIN code. Helps to find out if there is a loan for the car.
3	avtokod.mos.ru	The service is useful for buyers in Moscow and the Moscow region. Helps to find out the entire history of vehicles registered in the specified territory. TCP data required. Autohistory check.
4	Avtobot.net	A unique site that allows you to find out the owner of the car, as well as check the car by the license plate of the transport. The service issues the owner's full name, photograph, phone number, as well as registration in social networks. With such data, the buyer can easily see through the fraudster.
5	customs.ru	The site allows you to check if the car has been cleared. VIN code required. Convenient when buying a car arriving in Russia from the territory of the Customs Union. You can check the car by VIN number.
6	Ulsugi.mosreg.ru	On the site, you can easily find information about whether the purchased car was registered as a taxi. It is required to enter the state number of the vehicle.
7	avto-nomer.ru	The service shows a photo of a car using a license plate.
8	autoins.ru	A very useful site. It helps to find information about whether the OSAGO policy is valid at the moment. Recently, cases of issuing fictitious insurance policies have become more frequent. You can check the policy at the link.
9	fssprus.ru	The site allows you to check not so much the car as the owner of the vehicle itself. After all, if he has debts on loans, then, most likely, the car being bought is pledged, and may go to pay off debts.
10	avtocod.ru	Car history - the most complete information about the car - accident, mileage, owners, etc.

What to do if the purchased car is pledged

It often happens that a person bought a car, and after a while he finds out that his transport is pledged.

In such a situation, the first thing to do is to seek help from lawyers. Because it will be possible to defend your rights and return the money only through the courts.

The presence of a purchase and sale agreement will help the new owner to recognize the transaction as invalid and to recover the money paid to him from the seller. However, hardly anyone will want to return the money voluntarily. Therefore, you will have to collect it compulsorily. And these are certain time and material costs.

The buyer will have to prove to the court that he is a bona fide purchaser. In simple words, present the facts that the buyer did not know and could not know that the vehicle is pledged. For the court, it will be enough to have a certificate taken from a notary. Such a document is drawn up on the day of the transaction. The certificate contains notes that this car is not listed in the pledged property register.

As the court practice shows, there can be a huge number of situations with pledged cars. It happens that the vehicle has passed through none of the hands, and already several buyers have to defend their rights in court.

First, the buyer needs to decide what result he wants. If, for example, he wants to keep the car for himself, then it would be advisable to come to the bank's office and resolve the issue with the pledge there.

In any case, additional expenses for the buyer of the collateralized car are inevitable. In addition, the process of solving such a problem can take a huge amount of time and be very expensive.

Everyone can find themselves in an unpleasant situation and purchase a mortgage car. Unfortunately, there is a great chance to make a deal with scammers. Therefore, motorists create websites, communicate on various forums with the aim of helping each other to buy and sell vehicles correctly, or to solve the problem with problem cars.

Car enthusiasts are a special world of people. They are happy to share their knowledge, and are always ready to give the necessary advice. For example:

Never consider buying by duplicate documents... This is especially true of the TCP. Almost all credit institutions, when issuing a loan for a car, take the original passport for the car. Nobody rules out the option when the owner applies for a new document due to the loss of the previous one. The buyer in such a situation runs the risk of being deceived.
There are all sorts of cases, and duplicate PTSs also have a place to be. For example, changing the name of the owner. In this case, you need to pay close attention to the marks in the TCP. They must be appropriate;
An important fact is date of birth of the car owner... Such simple information will help to establish the identity of the owner;
Insurance policy CASCO... It always contains a note about the beneficiary. If the name of the bank is indicated in this column, then we are talking about a dubious transaction;
You definitely need to pay attention on the date of issue of PTS... If the previous owner owned the car for a short period of time, then such a circumstance should alert the buyer. The thing is that the average loan duration lasts on average from 3 to 5 years. It is likely that the owner has mortgaged the car and is trying to sell it quickly;
Price the car owner is asking for below market... It is likely that there is a risk that the bank may take the car for debts, and the owner of the car is trying to sell it even for the lowest price;
You shouldn't even consider buying a car if the owner refuses show documents for the car... This fact may indicate that a loan has been issued for the car;

The desire to save money is quite natural, so many people opt for the secondary market - the market for used cars. When buying a credit car, there is always a risk of buying a car burdened with debt obligations.

When buying a credit car, there is always a risk of buying a car burdened with debt obligations

This situation is relevant for those who are going to buy a used car, among which, as you know, about 5% of credit cars, which are the collateral of banking institutions. Therefore, when buying a used car, it is very easy to stumble upon a credit car.

Unfortunately, at the moment there is no single database of credit cars and there is no reliable information about outstanding loans at the time of buying a car.

The availability of car loans attracts many credit scammers trying to sell a car in a car loan.

Usually fraudsters use well-established schemes for selling credit machines. The most common one is a trip to the traffic police department and obtaining a duplicate technical passport to replace the allegedly "lost" one. After that, a duplicate of the registration certificate is issued and it becomes possible to sell a credit car. It is also not uncommon for citizens to take out a loan for a certain amount of remuneration and draw up a general power of attorney for the fraudster who sells the credit machine.

What are the risks when purchasing a credit car

If you bought a used car, which turned out to be a credit car, it will be seized as soon as the bank becomes aware of it. The bailiffs, by a court decision, will return the collateral to the bank.

In 75% of cases, citizens fail to sue the purchased credit car.

In such cases, the court does not recognize the citizen as a victim. Material damage is not compensated, that is, money spent on buying a car is not refunded. Therefore, it is imperative to be careful when buying a used car.

Several ways to check whether a credit machine or not

You should check the car on the basis of the FSPP and the traffic police 2014 according to the lists of pledged cars;
You need to carefully read the documents for the purchased car. Particular attention should be paid to the technical passport and credit history. When the passport is replaced, the corresponding records are created. It is necessary that in the duplicate of the technical passport there was a note “replacement of the submitted technical passport”, and not “replacement of the lost technical passport”. The circumstance when the duplicate was issued in case of loss of the original should alert you;
Pay attention to the number of previous car owners. If the owners changed often, then it is likely that the swindlers are trying to confuse and knock off the trail of the next victim and wait for the debts on loans to be written off;
It is not necessary to draw up a sale and purchase transaction under a General Power of Attorney;
When buying, you must conclude a contract. The document should indicate the true value of the car. Check the credit history at the borrower's bank. If the former owner of the car has nothing to hide, he will not deny you this service;
When choosing a used car, cooperate only with trusted dealers and car dealerships. Reputable dealers and car dealerships always check vehicles for collateral.

How to protect yourself from buying a credit car

If you buy a credit car, ask for a certificate of full loan repayment

If you are purchasing a used car, ask the owner for the following information:

Does he have the original technical passport in his hands;
Who is the direct owner of the car;
Is there a certificate of full loan repayment;
Is there a sales receipt from a car dealership about the purchase of this car;
Whether the owner of the car can specify the sales value of the car in the contract.

Having on hand all the necessary information, you can protect yourself from rash purchases, fraudsters and financial losses.

news
Workshop

Billions of rubles were again allocated to the Russian auto industry

Russian Prime Minister Dmitry Medvedev signed a decree that provides for the allocation of 3.3 billion rubles of budgetary funds for Russian car manufacturers. The corresponding document is posted on the government website. It is noted that the budgetary allocations were originally provided for by the federal budget for 2016. In turn, the decree signed by the prime minister approves the rules for providing ...

Roads in Russia: even children could not stand it. Photo of the day

The last time this site, located in a small town in the Irkutsk region, was repaired 8 years ago. The children, whose names are not named, decided to fix this problem on their own so that they could ride bicycles, reports the UK24 portal. The reaction of the local administration to the photo, which has already become a real hit on the network, has not been reported. ...

New on-board KamAZ: with a gun and a lifting axle (photo)

The new flatbed trunk truck is from the flagship 6520 series. Noinka is equipped with a first-generation Mercedes-Benz Axor cab, a Daimler engine, a ZF automatic transmission, and a Daimler drive axle. At the same time, the last axle is a lifting one (the so-called "sloth"), which allows "to significantly reduce energy costs and ultimately ...

Prices for the sports version of the Volkswagen Polo sedan announced

A car equipped with a 1.4-liter 125-horsepower engine will be offered at a price of 819,900 rubles for a version with a 6-speed manual transmission. In addition to the 6-speed manual, a version equipped with a 7-speed DSG "robot" will also be available to customers. For such a Volkswagen Polo GT, they will ask for 889,900 rubles. As already told by "Auto Mail.Ru", from an ordinary sedan ...

Demand for Maybachs has grown sharply in Russia

Sales of new luxury cars continue to grow in Russia. According to the results of a study carried out by the Avtostat agency, following the results of seven months of 2016, the market for such cars amounted to 787 units, which is immediately 22.6% more than in the same period last year (642 units). The leader of this market is the Mercedes-Maybach S-Class: for this ...

Toyota factories are down again

Toyota factories are down again

Recall that on February 8, the Toyota Motor carmaker stopped production at its Japanese factories for a week: from February 1 to 5, employees were first prohibited from working overtime, and then it came to a complete halt. Then the reason was a shortage of rolled steel: on January 8, an explosion occurred at one of the supplying plants owned by Aichi Steel, ...

New Kia sedan to be named Stinger

Kia unveiled the Kia GT concept sedan at the Frankfurt Motor Show five years ago. True, the Koreans themselves called it a four-door sports coupe and hinted that this car could become a more affordable alternative to the Mercedes-Benz CLS and Audi A7. And so, five years later, the Kia GT concept car morphed into the Kia Stinger. Judging by the photo ...

A car without an engine and a roof was stolen in St. Petersburg

According to Fontanka.ru, a businessman contacted the police and said that a green GAZ M-20 Pobeda was stolen from the courtyard of his house on Energetikov Avenue, which was released back in 1957 and had Soviet numbers. According to the victim, the car did not have an engine with a roof at all and was intended for restoration. Who Needed a Car ...

Self-driving taxis to appear in Singapore

During the tests, six modified Audi Q5s, capable of driving in autonomous mode, will be released on the roads of Singapore. Last year, such cars smoothly covered the path from San Francisco to New York, according to Bloomberg. In Singapore, the drones will move along three specially prepared routes equipped with the necessary infrastructure. The length of each route will be 6.4 ...

Volkswagen Touareg review reached Russia

According to the official statement of Rosstandart, the reason for the withdrawal was the likelihood of weakening the fixation of the retaining ring on the support bracket of the pedal mechanism. Earlier, Volkswagen announced the recall of 391,000 Tuaregs around the world for the same reason. As Rosstandart explains, as part of the recall campaign in Russia, all cars will ...

Which cars are the safest

When deciding to purchase a car, first of all, many buyers pay attention to the operational and technical properties of the car, its design and other attributes. However, not all of them think about the safety of the future car. Of course, this is sad, because often ...

Which cars are most often bought in Russia in 2018-2019?

The number of cars on the roads of the Russian Federation is constantly growing - a fact that is confirmed by the annual research of sales of new and supported models. So, based on the results of the study, which can answer the question of what cars are bought in Russia, in the first two months of 2017 ...

Cars for real men

What car can make a man feel superior and proud. One of the most titled print editions, the financial and economic magazine Forbes, tried to answer this question. This print publication tried to determine the most men's car according to the rating of their sales. According to the editorial board, ...

HOW to choose a car for rent, choose a car for rent.

How to choose a car rental Car rental is a very popular service. It is often needed by people who have come to another city on business without a personal car; those who want to make a good impression with an expensive car, etc. And, of course, a rare wedding ...

HOW to order a car from Japan, a car from Japan in Samara.

How to order a car from Japan Japanese cars are the best sellers all over the world. These machines are valued for their reliability, quality, maneuverability and trouble-free repair. Today car owners want to be sure that the car came directly from Japan, and ...

They appeared as a result of genetic modeling, they are synthetic, like a disposable cup, they are practically useless, like the Pekingese, but they are loved and expected. Those who want a fighting dog, get themselves a Bull Terrier, who need an athletic and slender one, prefer Afghan hounds, who need ...

What car should a family man choose

A family car should be safe, roomy and comfortable. In addition, family cars should be easy to use. Varieties of family cars As a rule, most people associate the concept of "family car" with a 6-7-seat model. Station wagon. This model has 5 doors and 3 ...

Luxury cars of the stars

Luxury cars of the stars

Celebrity cars must match their star status. It is simply impossible for them to come in something modest and generally accessible. Their vehicle must match their popularity. The more popular a person is, the more sophisticated the car should be. Globally Popular Stars Let's start this review with ...

What did the stars ride in the 20th century and today?

It has long been understood by everyone that a car is not just a means of transportation, but an indicator of status in society. By car, you can easily determine what class its owner belongs to. This applies to both the common man and pop stars. ...

Discussion
In contact with

Looking to buy a used car? Then, first, check if the car is on credit or pledge.

Indeed, very often ignorant and naive buyers are deceived by scammers.

And also, not all sellers admit that the car is loaned or pledged by the bank.

How to check a car for a loan or collateral is a topic that we will consider in detail today.

Familiarization with the new law regarding the purchase and sale of a used car

With the entry into force of the law, which regulates the new relationship between the sale and purchase of used cars, cases of fraud have become more frequent.

According to the new law, now the old owner of the car does not need to remove the car from the state. accounting. The new owner of the car is given 10 days to re-register the car for himself.

Such a law, which, incidentally, is in effect in 2019, would seem to greatly simplify the procedure for buying a used car. However, there is another side to the coin.

After all, earlier, when the old owner removed the car from the register, the traffic police checked the car for "cleanliness": if it had been stolen, etc. Now, the traffic police do not check this information until the car was bought by the new owner.

And it is at this point that the new owner of the car can get screwed up. Because, having bought a car, he will not know whether the car is "clean" or not.

How to check that the car is pledged by the bank? There are several signs:

How do you know if the car is pledged or not?

This can be done in several ways:

Method 1. Check the car for a deposit according to the wine code

This requires:

Find a register of vehicle lien notices. You can find it on the website reestr-zalogov.ru or bigro.ru.
By clicking on the "Register of notifications" tab in the window that opens, click on the "Information on the subject of pledge" button.
In a new window, in the "Vehicle" tab, drive in the wine code, then click on the "Find" button.
If the car is not pledged, then the search engine will not find anything. The display search will say "0 records found."

The wine code is indicated in the vehicle's passport, as well as under the hood, on the driver's door, under the rug, on the seat belts.

Method 2. Check the car in the traffic police database

To do this, you need to come to this organization and submit an oral application for checking the car.

The data obtained by the traffic police can show that the car is in theft, wanted, there are any restrictions on it introduced by law enforcement and judicial authorities.

You can also check the car yourself on the traffic police database... To do this, you need to go to the official website of this organization - gibdd.ru, on the right side of the site click on the button "Check the car".

If the car is not on the wanted list, it is "clean", then the user will see a window with the following information:

"Information on the search for a vehicle with" XXXXXXXXX "wines was not found in the federal information system of the Ministry of Internal Affairs of Russia."

If the car is still on the wanted list for some reason, the user will be told about this in the check window.

Another base by which you can check a used car is the base of bailiffs.... The website of this organization is fssprus.ru.

Having entered this site, you need:

Click on the button "Databank of enforcement proceedings". Using this databank, you need to check the person who sells the car.
Enter the following information about the vehicle owner in the appropriate fields: full name, date of birth, territorial authority. After that, you need to click the "Search" button.

Using this database, a person can check whether a case has been initiated against the owner of the vehicle by bailiffs for some reason, for example, debts. If there is a debt, the database will report it.

Method 3. Checking the original car documents

How to find out when buying a car: is it on credit or not? When purchasing a used car, when meeting with the seller, you need to ask him to present the following documents:

Method 4. Contact a specialized company

Today there are a huge number of firms providing expert vehicle appraisal services. Their advantage for the user is that he will not need to delve into the whole scheme of the car checkout process.

However, there is also a significant disadvantage - for the services of such companies you will have to pay a tidy sum.

To avoid problems when buying a used car, you need to check its state. room. To do this, there are many online resources on the Internet, companies that provide such a service for a fee.

How do they work? They collect information from various data sources: banks, customs, courts. Traffic police, government authorities, and then help potential buyers to check a particular car.

After checking the car in the state. number, you can find out the following information:

whether this car became a participant in a traffic accident;
What kind of damage did the car have (if any)? Information is provided with photo and video materials;
whether the car had the status of a taxi.

Buying a used car is profitable from an economic point of view... However, it is not always legislatively safe.

And if a person does not know how to check a car for a loan or collateral, does not use the above tips or does not contact specialized organizations, then he risks buying a "problem" car.

Therefore, before parting with the money for a used car you like, you must definitely go through a series of checks to ensure the legal purity of the transaction.

Video: How to check cars and owners for debts

You will be interested in:

5 Comments

It's crazy for me when the owner cannot provide documents for the car and his passport. In my opinion, this is already pale yellow ... Something must be urgently thought, comrades-swindlers! For the second car I take and the auto tech helps out perfectly. According to the reports received, I filter out the options found, in the end I left 1-2 really ideal cars in the history of the operation and went to check it already personally + drove it to the service station on a lift to my friends, who turned everything upside down)

Say what you like, but our laws are just a paragraph! Where has it been seen that the law was made pleasing to fraudsters, allegedly wanting to simplify the registration procedure for buyers? Thank God, there are normal services for checking the fault (I have used Autotek twice, and I hope it has not deteriorated, because I am planning to change the car for the third time.

All autos and other resources, together with the traffic-cheap site bullshit, I bought a 4-year-old car from 2 owners and 2 years later I received a letter from Sovcombank demanding to give them my car because it was bought by the first owner on credit and he did not pay it off, so The car is still not pledged in any database, that's the whole deal. I hired 3 lawyers on October 24, there will be a court there, we'll see how it ends, but when I bought the car, it was clean at all bases. Banks voluntarily enter information about collateralized cars, but it is profitable for them to receive, albeit not on time, payments for loans for 5 years, and then at the end of the loan period, press the collateral through the court if there were violations under the agreement, and no auto codes will help.

In an effort to save money on buying a car, many opt for the secondary market for used cars, among which there may be a credit car.

How not to buy a credit car?
How to determine?
How to recognize a credit car?
How to check a car for a loan?
What are the signs of recognizing a credit car?

These are relevant questions for those who are thinking about buying a used car, among which about 5% of credit cars are sold, which are. Thus, when purchasing a used vehicle, you can easily get into a situation when after buying a car it turns out that you bought a credit car - what to do?

At present, unfortunately, there is no unified database of car loans, that is, available information about car loans that have not been repaid at the time of the sale of vehicles to the next owner.

Nowadays, it gives rise to a lot of actions for car loan scammers who are trying to sell a car in a car loan.

Sale of credit cars by scammers

When buying a used car, we offer practical advice on how to buy a credit car correctly and how to check debts on loans from the previous car owner:

As a rule, scammers with car loans operate by a proven method of selling a credit car pledged by a bank. To do this, a trip to the traffic police department is made and a duplicate of the passport of the technical device is obtained, instead of the "lost" one, and after a duplicate of the vehicle PTS is made, there is a possibility of illegal sale of a credit car.
There is also a known method when citizens who have taken out a loan for themselves for a certain remuneration write a General Power of Attorney to the swindler, and subsequently the swindler resells the car.

There are ones that allow you to get a car for a loan and reduce the risk of buying a mortgage car.

First, you need to familiarize yourself with the documents for the purchased car, carefully study them. The passport of the technical device (PTS) must be given special attention. In case of its replacement, the corresponding entries are made on the TCP. It is important that on the duplicate of the TCP there is a record “instead of the delivered TCP”, and not “on the loss of the TCP”. If a duplicate was received due to the loss of the original, then this fact should alert you.
It is important to pay attention to the change of owners of the purchased car. If the owners changed very often, then it is possible that fraudsters are simply trying to obscure their tracks, waiting for the cancellation of loan debts, and are trying to sell a credit car.
Also, you should not purchase a used car under a General Power of Attorney. It is necessary to draw up an agreement, and in the agreement be sure to indicate the full amount for which you are purchasing the car.
If the former owner does not hide the car's credit history, check the information received about the car pledge at the borrower's bank. If the TCP is received after the full repayment of the loan (there is a bank certificate on the absence of debt on the car loan), this is a sign of reliability.
When choosing a supported car, you should also pay attention to car dealerships that have a good reputation:
Often, used cars, accepted, are checked for collateral in front of third parties.
It is possible that some salons carry out an urgent redemption of credit cars, i.e. an agreement is drawn up, according to which the assignment of the debt on the loan is transferred to the car dealership, which carries out the repayment of the loan.

It will also be important to check the purchased car through the traffic police and FSSP database, according to the existing database of pledged cars.

How to identify a credit car

We bought a used car, which turned out to be a credit car. Be sure - the bailiffs will seize him, i.e. will return, by a court decision, the pledged property to the bank.

Even if you are a law-abiding, respectable purchaser, the law will not protect you. Many laws do not work in favor of respectable citizens.

It may be that when buying a used car, nothing is in doubt:

PTS original

The car already had three owners

Check - do not check the car for loans - it may still turn out that in 6 months a summons will come to court ... There is always a risk that the car will turn out to be a loan.

In most lawsuits, it is not possible to sue a pledged car and, the once happy owner of a car bought for his own money, becomes just a security guard or watchman of a car.

The bailiffs will put the mortgage car up for auction, but before that they will take a written receipt on criminal liability for the safety of property, i.e. car.

Across the country, thousands of deceived car owners bought credit cars, however, in the courts they are not even recognized as victims. Their damage is not taken into account either.

All existing laws today protect banks, but not citizens.

How to find sources of loan repayment

Is it possible to sell a credit car and avoid debt collection on a loan?

For example, having purchased, the owner left for the domestic one for 1.5 years. The car is credit, but there is no money to pay off the debt. As a result, the calculation of loan debt:

interest,
fines,

ran into 2 car costs.

The condition of the car is not perfect - there is a small dent on the door. The car is not the most attractive to buy, but those willing to evaluate were found quickly.

If the car is seized by bailiffs by a court decision, the owner of the credit car remains owed to the bank the amount less the assessed value of the seized car.

The owner, as soon as he realized that the loan could not be paid off, tried to return the car to the bank. But the bank did not accept the car, answering that the borrower was given money, not a car, and that the bank does not repurchase credit cars on account of the debt.

According to credit experts, this is a fairly common situation with credit cars. As long as the car remains with the borrower who does not repay the loan, the bank, according to the loan agreement, regularly calculates interest and penalties for late payments on the loan.

In addition, the very procedure for returning the pledged car to the bank for subsequent implementation through financial institutions has not yet been worked out. But it was worked out by those who have a negative credit history.

Sale of credit cars through the car market

The bank that issued the car loan, of course, does not want to lose when the loan funds are returned. But the bank's loss will be much stronger if it takes a credit car from a defaulting borrower and sells it through some firms or financial structures.

In this case, the reputation of the bank will suffer greatly compared to other banks offering car loans.

Due to the fact that banks refuse to accept a pledged car as a repayment of a car loan, such cars go to the car market to the buyers of credit cars.

There are outright scammers with car loans who want to benefit from the sale of a credit car, and there are those for whom the sale of a credit car is the only way out to settle accounts with the bank and avoid significant fines and penalties. The cars encumbered with debt obligations are resold to third parties.

In the case of bank claims about the pledged car, it can simply be disassembled and sold for spare parts. In this situation, the bailiffs will have nothing to take, and the claims will remain with the one who took out the car loan at the bank. The only drawback is that the amount from the sale of spare parts will be an order of magnitude less than what was spent on the purchase of a car that turned out to be credit.

Unfortunately, the whole danger of buying a credit car is that there is no way to check - the car is free from the rights of third parties, i.e. the car is pledged or not. Such a system has not been created and does not exist.

Therefore, there is a very high risk of acquiring a used car from hands, especially through dealers in the car market. There is a high probability of buying

or the car is stolen,
or a credit car.

How to find out a credit car and not be left without money

For many, the question remains - if the pledged car cannot be sold, then how the fraudsters manage to remove the loan car from the register and pass the check against the databases of the pledged vehicles. But banks do not always promptly inform that the car is pledged. And the police have no doubts that the car is legally "clean".

There is no unified database on banks and credit cars sold. If such a database existed, it would be obvious that only people in uniform would have access to it, that is, those who directly perform the functions of registering cars in the traffic police departments.

Thus, all the existing paid offers, on the Internet, about the opportunity to find out the credit history of the car by the VIN number, no more than slyness and fraud.

8.06.2016 | 12:00 Updated: 29.06.2018 1395

A credit machine: how to find out and why it is more dangerous than collateral

Good day to all, dear friends!

It happens that motorists are attracted by very profitable options for selling cars, but they, having heard about car fraud, are afraid of quite possible dirty tricks from the financial side. And quite ordinary prices do not give guarantees in this regard.

Among the many fraudulent schemes, the sale of credit vehicles is especially dangerous and widespread, which is done not only by crooks on an ongoing basis, but also by ordinary dishonest people who solve their headache at the expense of something else.

Drivers who get caught on a "credit card" cannot be envied, because in most cases everything ends not in their favor, depriving them of both money and transport. Therefore, information about the essence of this problem of car loans will not interfere with absolutely everyone who does not exclude the purchase of a car in the future.

First of all, you need to understand several important things in order to understand the essence of the problem, its difference from similar troubles and the full depth of the danger lurking in it. And believe me, I'm not scaring you, but I just want to bring the whole truth, which, in this matter, is still far from on our side, to our great regret.

So, here's what you should be very clear about:

First: who sells cars on credit;
Second: the difference between the car's credit burden from the rest.

Who Really Sells Cars on Credit?

Cars on credit are directly sold mainly by car dealerships, but at the same time they necessarily, one way or another, cooperate with banks, since more or less serious modern business without banking intermediation is unrealistic.

A person buys a car in a car dealership, draws up a loan there and makes an initial payment. And outwardly, especially considering the advertising calls, everything looks as if the car is being offered on loan by the car dealership itself, but the bank helps it a little in this.

In fact, everything is completely different! Of course, no advertising will advertise such things, and the managers themselves will not expand on this matter without direct demand for specific answers. The fact is that in reality you borrow a car from a bank, but the salon here actually plays the role of an assistant manager. Cars are sold by manufacturers who immediately need hard cash to support production.

Authorized dealerships, car dealerships and similar similar establishments act as intermediaries, but banks bear the main or even the entire financial burden in car loans. And what is the main thing? That's right - finance! So who is in charge of all this trinity? Banks, of course! The bank, in partnership with car dealerships, buys cars from manufacturers and then resells them in the same partnership under credit programs.

And it is the banks, acting as business financiers, that develop the basis for such programs, according to which salons then operate, presenting them as if they were their proposals. And for all the signed papers, even despite the registration with the traffic police, the real owner of the credit transport is the bank, and he will be it until the loan is fully repaid. That is, in fact, a person who has taken out a car loan drives someone else's car, despite the considerable amount of payments. This is how it works, although it seems to be some kind of absurdity.

Now attention!

Documentation on a car loan by all banks is drawn up in such a way that, in the event of force majeure, the financial losses of the banks themselves are at the lowest possible extent. And such a concept as fairness is not taken into account in these documents at all, since even honesty itself here and that is very conditional.

And what is the main conclusion for you from all this? And the one that if a person, no matter new from a car dealer or used by the first (second, third, etc.) owner, then he does not belong to him even despite the existing DCT (sale and purchase agreement) with all other documents and Your car can always be taken away by the owner bank, which is absolutely indifferent to who and on what conditions is the owner of the credit vehicle at any point in time. I will touch upon this important issue below.

Differences between a car's loan encumbrance and a pledge

Step two: checking the car over the internet

The scheme of research on the Internet for suspicion of car credit is the same as for collateral.

Portal of the Federal Notary Chamber of the Russian Federation - for being in the register of movable collateral;
Vin.Auto.ru checks a limited number of banks. But it's worth checking just in case;
Portal of the Federal Bailiff Service - on the subject of court proceedings;

Mycar-info.ru- check on the base of the NBCH (national bureau of credit histories). The service is paid.

After such checks (during a personal meeting and on the Internet), if nothing bad has surfaced, then we can already conclude that the car is most likely without legal problems.

Step three: check on financial institutions

But if you are still in doubt, or some suspiciousness was found, and you still do not want to abandon the transaction, then if necessary, you can continue checking through financial institutions by working with each bank separately or with the credit bureaus (BCI) ...

For credit machines and for collateral, the research methods are the same.

Credit bureau

Credit bureaus check (if subject code is available). The subject code can be provided by the owner of the car, or you can independently obtain it according to the seller's passport data on the Central Bank website through the restoration procedure.

NBKI (National Bureau of Credit Histories) - has the largest database of borrowers and works with 1000 banks. I wrote above how to request information here;
Equifax is also a major player among the BCIs;
Credit Bureau Russian Standard - all information about borrowers of Russian Standard bank is stored. The information available here may not be found in the databases of other BKIs;
United Credit Bureau is a partner of Sberbank of Russia. Credit histories available to this bureau may also be absent in the databases of other CHBs;
State Register of Credit Bureaus - a catalog of all credit bureaus in the Russian Federation with contact information on the website of the Central Bank of Russia.

Please note that the organizations listed above do not provide services free of charge.

Bank check:

Banks.Ru - the reference book will help you to work with lists and contacts of banks.

Please note that in different banks the policy of providing access to their registers of pledges can vary significantly: from complete privacy for unauthorized persons to providing information by a simple online request through a ticket, or by telephone.

Nuances of TCP

As I already wrote, when issuing a car loan, many banks imitate documentary collateral, leaving the vehicle passport (PTS) in their safe for the duration of the loan repayment and supposedly to forestall fraudulent car sales without their knowledge.

In fact, this measure can do little to help as a stimulator of good faith debt repayment. And the concern about illegal sale from banks is not particularly acute, since, as already mentioned, they can pick up a car without paying attention to who owns it. In addition to all CASCO, it provides them with coverage of expenses in the event of damage to the collateral.

Moreover, there is not a single legislative act that would regulate such a withdrawal of PTS. And some banks openly agree with this, without taking the passport from the auto borrower, which is why they practically do not lose anything and, on the contrary, add interest for the "increased" risk.

Therefore, a fraudster can have a TCP in his hands without resorting to various tricks, such as issuing a duplicate or requesting a temporary use. Today, since many people have already heard about all sorts of schemes, prudent fraudsters specially arrange car loans in banks that do not seize PTS.

Of course, the fact that this document is real, original and not duplicated is fine, but far from enough to convince the owner of the honesty.

Why a credit car is more dangerous than a pledge car

Here I will try to bring final clarity to this issue, which is very little covered and many people do not even know about the differences in the risk levels of credit and mortgage transport.

The point is this. As you already know, mortgage machines may not be credit machines. And if so, then legally full ownership is still on the side of the bona fide acquirer, who has the appropriate document proving this (DCT).

The bank will easily take away the pledge from the borrower through the court, since there is a loan and pledge agreement, but if another person bought the pledge from this borrower, observing everything required, then starting from July 1, 2014, the banks' chances have diminished.

A new version of the Civil Code has been released, which spelled out the right of a bona fide buyer not to compensate banks for losses, if it is possible to prove that the buyer made some effort to check the legal cleanliness of the car. Like this! True, this provision has not yet been properly approved, but this is a matter of time.

And in the case of credit cars, the situation is completely different. After all, you remember that until the debt is repaid, according to the loan agreement, they are legally the property of the bank. That is why the courts always take their side - there is a document on the bank's ownership (loan agreement), which annuls any later monetary policy.

Even in the case when judges feel humanly sorry for the victims, they still, under the control of bank lawyers, will be forced to make “unfair” decisions - they have no legislative leverage for otherwise. That's when all creditors will be legally obliged to enter all data on pledges into the base of the Notary Chamber, then this incident will be resolved. Work in this direction is underway.

I hope that in this article I was able to fully complete the topic of mortgage and credit checks of vehicles, highlighting the differences and dangers for each of them.

How did you check the car for credit and what methods did you use? Tell me about them and your impressions in the comments. This is the information I need. And of course, if it turns out to be useful and interesting, I will supplement it with an article indicating your authorship.

Well, friends, this is where I end the article, and I advise you to subscribe to my blog and actively share articles through social networks, filling the infosphere of the Russian Internet with valuable information, which is undoubtedly a good and useful deed.

Safe deals for you and an interesting journey on the roads!

Comments on the article: 16

Ivan

14.10.2016 | 03:41

The legislator clearly defined in the amendments to Art 352p.1p.1p.2 the withdrawal of the pledge if the person acquired for a fee and did not know and could not know about the pledge. What is the difference between a pledge machine or a credit one? A loan agreement, a loan is concluded for the amount of money, regardless of what they are taken for. If for the purchase of a car, accordingly, a car pledge agreement is a plus in securing a monetary obligation. The owner is entered into the title according to the purchase and sale agreement. Accordingly, the law finally turned in favor of the citizens. But we must follow the practice of the courts. Here is the actual practice of the court in this part: rospravosudie.com/court-s...s/act-535225967/

Ilya
18.10.2016 | 16:00

Hello Ivan.
Thank you for expressing your point of view on my blog page.
Your comment is not a question, but I will also answer it piece by piece.
1) “The legislator has clearly defined in the amendments to Art. 352, item 1, item 2, withdrawal of the pledge if ... "
Unfortunately, Ivan, the legislation of the Russian Federation (as well as of all other CIS countries and most of the countries of the world) is still very, very far from being clear and clear, both in general terms and in particular. And this is not my opinion, but the honest and useful official position of the Russian Themis, since this allows not to rest on the field of fraud, and further improve the legislation, which is done by all civilized countries.
So, this phrase: "clearly defined", just does not apply to the sub-clause No. 2 you have indicated, since this particular sub-clause is the most vague and ambiguous of the entire article. It is not for nothing that there are no comments on it - not because it is extremely understandable, but because its interpretation can take the length of an average book.
2) "... by a person who did not know and should not have known that this property is a subject of pledge"
It is in this part that the catch lies - in the presence of competent legal support from the defendant, it is very problematic to prove that the plaintiff "should not have known" in many cases, especially when templates of auto loan agreements are specially and purposefully created by very competent lawyers, with compulsory consideration of this particular item.
And the notorious small text here is only the oldest and simplest trap of many others, which, nevertheless, still catches a lot of people.
3) "What is the difference between a pledge machine or a credit machine?"
Here the answer is simple - the difference is big. On this account, you can write a separate large article and I will not do this in the comments, but I will note that even the loan for the car itself is called “Car loan” (which is already a difference), which includes auto-mortgage as standard. That is, this is a special type of lending. For example, you came to the bank for a consumer loan, but the bank refused, but it may well issue you a car loan - and this is far from the only difference. That is, your "Loan agreement, loan is concluded for the amount of money, regardless of what they are taken." does not correspond to reality - it very much even depends on what they are taken for, and with large amounts, you just try to refuse the manager to provide information about what you are taking the money for - he will instantly make drastic adjustments to the decision: he will double the interest or refuse a loan.
4) "The owner is entered into the TCP according to the purchase and sale agreement"
Well, of course it fits, the bank does not need to enter itself into the TCP of the credit machine. Why? But because she, this car, is also unnecessary for the bank. He does not need your car, but money for this car + profit. That is why the entry in the TCP is yours, and the money for the bank's car. That is, the bank has money in the first place, and the machine itself, as a loan security, is not very interested in it - you own the iron, and the bank owns the cost of this iron. And he can easily recalculate this cost, in his own favor, of course, if the bank has to take the car back due to non-payment.
Together with the car, even if it is in good condition, in addition to the percentages themselves, you will have to add more - a car with an entry in the TCP from the real owner, and not the dealer, is already considered a BU, with all the consequences for the assessment.
I think you know the difference between owner and owner? In the case of a credit machine, you are, according to PTS, a full-fledged owner, but only a conditional owner, since the real owner is a bank. How to understand this? The bank, as I already said, owns the money for the car, which its employees may not even see. The bank is a financier, not a car shop. Therefore, all property rights to all the hardware are yours, and what it was worth in its new state is the bank. Few of the consumers understand this subtlety.
In other words, if there is a court between you and the bank, the bank will take its money from you in one way or another. But, at the same time, if you, as an insolvent payer, wish to repay the debt to the bank with a car not specified in the contract (or rather, its residual value - that is, already only part of the debt), but with something else that is suitable for such repayment , then the priority will remain with you - the court will award the iron to you, and the bank and the bank will not particularly mind the money if the replacement is complete.
Example: you cannot pay a loan with money, but you also like the car and you do not want to give it back. And you have a summer residence. Here you can even change the pledge without a trial, if the bank recognizes the dacha as a worthwhile compensation. But if problems and court arise, then the priority of owning iron is always yours, not the bank, provided that you have something else to cover everything that the bank requires: expensive property, real estate, securities, jewelry, antiques, works of art, etc.
5) "But we must follow the practice of the courts."
This advice is good for any country and for any lawyer (not an ordinary citizen, of course), but if you take Russia, then only as a useful addition - nothing more. Why? But because in the Russian Federation there is no case law practice. If you are a lawyer, then you should know what it is and how important it is in relation to the value of this very tracking of court practice.
Let me explain to the readers: case law is the highest degree of judicial responsibility within the entire judicial system of the state. Even not all developed countries can afford the luxury of case law.
It means that one separately taken final judgment has the force of the SOURCE OF LEGISLATION! In other words, individual judicial decisions can directly affect the established legislative norms of the country, up to the complete abolition of the affected statutory norms or the same precedent decisions.
In Russia, unfortunately, only statutory law (classical legislative) has been implemented everywhere, and individual decisions of the courts can be taken for other proceedings only as recommendations, examples, or as "taken into account" cases. Judicial precedents in the Russian Federation do not affect the decisions of the court themselves - the judge can make any decision that suits him (or the one who gave him a bribe), which can be adjusted to comply with statutory law.
There are also decisions of the Supreme Court of the Russian Federation (more precisely, its Plenums on separately taken complex issues), but again, these decisions of the PVS of the Russian Federation have the force of only more authoritative recommendations to the courts and no more.
What does this mean? And the fact that if there is “mutual understanding” between the bank and the court, then it will be very difficult for the driver to turn the case in his favor on the basis of some individual decisions, or it will be completely impossible - any court of the Russian Federation, when making its decisions, has absolutely every right not to take into account and disregard any precedents, and without giving reasons.
That's it.
All the best to you, dear Ivan, thank you again for your interest and for expressing your own point of view on the problem.

Konstantin

29.11.2016 | 15:05

Hello.

In the case of a credit car, the bank is the owner. That is, this bank should be included in the TCP?

Konstantin

10.03.2017 | 16:48

Hello.

I'm not very good at legal issues))) But I have this question:

Well, let's say I bought a credit car. After a while, everything surfaced and the bank took the car for itself. Naturally, not a single "thrown" car owner will accept this state of affairs. Well, personally, I would file a complaint with the prosecutor's office about fraud. This is the same fraud on the part of the previous owner, selling a credit car and not paying the loan. Accordingly, the "criminal" shines for him. Then what is the point of selling a credit car?

Rector

04.11.2017 | 04:33

Hello!

about

Therefore, all property rights to all the hardware are yours, and what it was worth in its new state is the bank.

Yes ... here you wrapped up the phrase ... be healthy ... in the 4th dimension.

About

I think you know the difference between owner and owner? In the case of a credit machine, you are, according to PTS, a full-fledged owner, but only a conditional owner, since the real owner is a bank.

Something is wrong here

In my TCP, the OWNER is indicated in black and white. Without any restrictions, additions, etc. In general, there is the following. If the bank - issues a loan for a car - to the buyer, and the car becomes the property of the buyer after the full payment of the loan to the bank - then this is specifically called Leasing and in PTS the name and surname. successful bidder's appearance only after that.

The second option - the bank gives money to the buyer to buy a car, the owner who took the loan fits into the PTS, but an encumbrance is imposed on the car - a ban on alienation (pledge). The credit institution must inform about this condition of issuance (enter the presence of this encumbrance in a publicly accessible database) so that everyone who performs registration actions knows about it and does NOT allow alienation. If a credit institution does not do such actions, it is its problem. The child does not cry - the mother does not understand!

Naturally, when a loan for a car is not associated with a pledge or encumbrance of a car and should not be considered.

And you have something like a "conditional" owner. Generally, a very interesting word is a combination of "conditional owner" ... Mountains, fields and rivers ...

Alexander

29.12.2017 | 22:29

A quote from your article: "Fortunately, in the overwhelming majority of cases, credit machines simultaneously act as collateral, which simplifies the matter and ...".

I'm afraid not. If a fraudulent seller bought a car on credit, according to which the car becomes his property when the debt is fully repaid, then he (the borrower, the fraudulent seller) could not give the car as a pledge to this bank, because is not the owner, since only the owner can transfer the car (and, in general, anything) as collateral. The bank (the owner of the car) cannot issue a pledge on itself.

Alexander

30.12.2017 | 01:24

You, Ilya (and his assistants), of course, are doing a very useful job by creating such articles. But if you enter the legal plane, then you need to study it more carefully and formulate it in a legally correct, and not abstruse or intricate way.

I am a lawyer myself (though not in the auto field) and I know the general provisions of the Civil Code of the Russian Federation on pledges, loans, etc., which I cannot combine with what you write.

Well, here are quotes from some of your theses that cause a lawyer, if not a smile, then bewilderment:

"The bank owns only the value of the credit car, and not himself ...".

“Cost” cannot belong to anyone, since it is not an object of law.

“So, for bank car lending programs it is generally accepted that the credit vehicle becomes the legal property of the owner-car borrower. In full legal ownership, only with a credit encumbrance. "

What is it - "credit burden"? Well, where did you get that? Encumbrance is a pledge, lease, arrest, prohibition of registration actions, easement, maintenance, life support, etc. The first time I hear about "credit encumbrance". Where, in what law is it written? Or what do you mean by that? Personally, I still don't get it.

In fact, there are only 2 options:

1) The bank issued a loan to the borrower for the purchase of a car, which (auto) remains in the possession of the borrower, but the bank is the owner until the debt is paid in full or until a certain part is paid, for example, 70%. In this case, the borrower (future fraudster) cannot fit into the TCP as an owner. If it is entered, then in the special marks there should be corresponding entries about the right on which he owns the car.

2) The bank issued a loan to the borrower for the purchase of a car, which (auto) becomes the property of the borrower. In this case, the problems of the borrower (swindler) who sold you the car with the bank are not your problems, unless, of course, the car was encumbered with a pledge.

"The general position of the courts is that the issue of bringing to criminal responsibility for the sale of a car encumbered with a credit pledge ..."

"Credit collateral". Well, it's not even serious.

“You, like many others, cannot understand the difference indicated in the article. It is quite difficult and not even all bank clerks understand this, working simply according to the scheme ... "

Maybe you will still reveal the secret to the world))

I am not nitpicking. I just want to buy a car on the secondary, I read the information on the topic, I found your site by accident and could not leave it without comment ...

Vika

24.04.2018 | 01:19

You read this and one desire arises - to walk))) I picked up the car for a long time, mainly because when I saw a duplicate I immediately said goodbye. Among more than a dozen revised cars, I had seven of them. The rest were checked via the Internet, and there they disappeared. Either an accident, then it was not serviced, then the mileage was twisted. In general, it is not easy to choose a car)))