how do I know if I have finace on a car I bought

[ve for lyf]

how do I know I checked on vic roads website it said this
no-encumbrance
does that mean it has no finance owing ?

[Bazza]

If your buying from a private party it would probably pay for you to buy a certificate as the free one is no guarentee of clear title.

If your buying from a licensed dealer they guarentee clear title as part of their licensing agreement, so you won't need to buy a certificate.

[ve for lyf]

they told me it had no finacne owing because it was baught though a comapny ? and the dealer books are all in the buissness name

[Bazza]

A company just like a private buyer has no guarentee for a clear title. I know alot of people who have been burned (Ive been in the Car Industry 22 years) who chose to go the way of a free REVS check and got burned down the line.

If this car is worth owning it's worth paying for a REVS certificate. Just my 2 cents worth...good luck

[ve for lyf]

can you link me to do it im in vic

[ve for lyf]

Make


:


HOLDEN

Model


:


COMMODORE

Variant / Series


:


SV6 / VE II

Body


:


4D SEDAN

Year (first retail date)


:


2010

Colour


:


- Primary




BLACK

- Secondary




*Picture provided is a sample only
snapshot

No Odometer discrepancies reported

No Encumbrances reported

No Vcheck Written Off incidents reported

No Vcheck Restrictions reported
Ownership Cost

Get approved for a GE Money car loan in 24 hours!" GE Money

identification





Registered State


:


VIC
vehicle details

Fuel Type


:


UNLEADED PETROL

Engine Size


:


3.6L

Cylinders/Rotors


:


V6

Fuel Consumption


:


Transmission


:


6 SP MANUAL

Power (KW)


:


210

Torque (Nm)


:


350
vehicle status

Last Odometer Reading


:


37000

Last Sale Listing


:


Rego. Expiry Date


:


11-06-2012

Warranty Expiry Date


:


first sale data

First Sale Date


:


09-06-2010

First Sold in Postcode


:


3175

First Buyer Type


:


FLEET
vehicle ratings

ANCAP Safety Rating


:


Air Pollution Rating


:


Greenhouse Rating


:


Overall Green Rating


:

valuation (sourced from glasses guide)

Dealer Trade Price


:


$24300.00 - 28400.00

Personal Price


:


$25560.00 - 31240.00

Dealer Price


:


$34200.00 - 41040.00

[Bazza]

https://online.revs.nsw.gov.au/revs/public.htm fill in the details. You'll need a credit card to purchase a certificate.

[dzach23]

you can check online for free here
VicRoads: Vehicle Status Checks

[SV6.07]

same as other member said give vic roads a call.. simple call and they can tell u over the phone. no cost.

[womble66]

here we go again...........................

mate its your dads ve sv6 mocked up as a ssv. ask him does he have a loan on it? only the buyer needs the proof not the seller. your dad justs needs to be truthful when selling as being incumbent is not a show stopper. as VICROADS states is OK so no issue. just let your dad handle it mate as you seem to have no idea. and yes "no-encumbrance" means it has no financial interest registered against it via a bill of sale.

[Bazza]

DISCLAIMER: Information in this vehicle status check is provided without liability and without responsibility for its accuracy. VicRoads accepts no liability for any loss incurred by anyone relying on information in this check (including a statement that no information is recorded) or on the absence of information about any matter. The information is provided from VicRoads records and is based on information received from past and present registered operators, police, interstate road and traffic authorities, insurers, security interest holders and other people required or authorised to supply it. In particular, any encumbrance information concerning security interest registered in Western Australia or Tasmania may not be accurate and should not be relied on. To ascertain whether a security interest is registered in Western Australia or Tasmania, you should contact the relevant authorities in those States

The disclaimer sure make me feel confident about the free check they give you. It's a 2010 vehicle so worth checking. Yes if your Dad is selling this to you and says he doesnt have a loan....all good go for it, but anyone else...well read the disclaimer above from their site.

[Bazza]

NO INTEREST RECORDED

Always make sure that you have the correct Rego, Engine and VIN number from the vehicle. Failure to do so could result on a search of the wrong vehicle.

There are no financial interests recorded on the vehicle details you have provided. REVS can offer you a search certificate for $14.45 which confirms the result of this enquiry. The certificate will protect you against an attempt at repossession of the vehicle by a financier who has not recorded their interest in the vehicle, due to a previous owner not having paid out the loan.

Ring REVS to order a search certificate BEFORE you buy the vehicle.

If it is a NSW registered vehicle it is also advisable for you to check which insurer the CTP (green slip) policy is with and confirm that the policy is current, as any unpaid CTP policy may transfer to you.



INTERESTS RECORDED

There is/are financial interests recorded against the Rego, VIN, Engine, or all the identifiers you have provided. Make sure you have the correct details from the vehicle.

If you wish to buy the vehicle, contact the seller and arrange to pay out the financier. Have two cheques made out, one to the financier for the total amount still owing, and the other for the balance to the seller.

Ask the seller for a copy of the letter of discharge from the financier stating, they no longer have an interest in the vehicle. The letter together with a REVS certificate, will protect you against your vehicle being repossessed by a financier.

REMEMBER, ring REVS for a certificate BEFORE you buy the vehicle, and check that the vehicle details match those on the Registration papers.

If the vehicle is NSW registered it is also advisable for you to check which insurer the CTP (green slip) policy is with and confirm that the policy is current, as any unpaid CTP policy may transfer to you.



POLICE INVESTIGATION

One or more of the vehicle identifiers you have provided have cross-matched with details of goods under Police investigation. The vehicle you are checking may not necessarily be the particular vehicle which the Police are interested in, as the cross-match could be due to a duplicate VIN/Chassis or Engine number or the re-issue of previously stolen number plates. For clarification, please contact REVS on 13 32 20 or your local Police station.



RTA FINE DEFAULT

The vehicle's registration has been cancelled by the RTA due to unpaid fines.

Contact the seller or your nearest RTA Motor Registry, to find out if the fines have been paid.

If you have already contacted the RTA or the seller and confirmed that the fines have been paid, ring REVS to investigate the matter.



ODOMETER INTERFERENCE

This vehicle may have had the Odometer illegally wound back. A reference on the REVS register generally indicates that NSW Fair Trading has conducted an investigation, prosecuted the offender and recorded the incident on REVS to inform the public if the odometer reading has not been corrected.



Proceeds of Crime Alert - Vehicle may be subject to a Freezing Notice, Restraining or Confiscation Order

One or more of the vehicle identifiers you have provided have cross-matched with details of a motor vehicle or boat which may be subject to a Freezing Notice, Restraining or Confiscation Order under the NSW Confiscation of Proceeds of Crime Act 1989 or Criminal Assets Recovery Act 1990. The vehicle you are checking may not necessarily be the particular vehicle which the Police are interested in however you are advised to immediately contact the Manager, Assets Confiscation Unit, NSW Police on (02) 8835-7311.



RTA LINK DOWN

REVS can cross-check your vehicle identifiers with RTA records, however due to technical difficulties the Link is unavailable at this time. If you wish, check this website or call REVS before you purchase the vehicle so that we can cross-check your vehicle details with RTA records.



RTA MISMATCH

A cross check with the RTA shows that the Reg/Vin/Engine you have given, differs from RTA records. Make sure you got the details from the vehicle.

If you didn't get the details from the vehicle, you need to physically check the details on the vehicle, to ensure they match with the Registration papers.

If you did but the details do not match with the Registration papers, it is advisable that the owner of the vehicle contacts the RTA on 13 22 13, to locate their nearest AUVIS station, for an identification check.



NO CURRENT RTA RECORD

There is no record of your supplied identifiers with the RTA.

Make sure you got the details from the vehicle.

If you didn't get the details from the vehicle, you need to physically check the details on the vehicle, to ensure they match with the Registration papers.

If you did but the details do not match with the Registration papers, it is advisable that the owner of the vehicle contacts the RTA on 13 22 13, to locate their nearest AUVIS station, for an identification check.

Please note that REVS is not permitted to disclose RTA supplied details.



STATE HAS NO RTA ACCESS

REVS cannot check your supplied identifiers with the RTA in the state the vehicle is registered.

Make sure you got the details from the vehicle.

If you didn't get the details from the vehicle, you need to physically check the details on the vehicle, to ensure they match with the Registration papers.

If you did but the details do not match with the Registration papers, it is advisable that the owner of the vehicle contacts the RTA in the state the vehicle is registered for an identification check.



STATUTORY WRITE-OFF

The vehicle identifiers you have supplied indicate that the vehicle is recorded on the NSW Roads and Traffic Authority's (RTA) Written-Off Vehicle Register as a statutory write-off. This means that the vehicle is not repairable and should only be sold for parts. It is important that you contact the RTA on 132213 for further information before you buy the vehicle.

If you intend to proceed with the purchase after contacting the RTA, purchase a REVS certificate online or ring the REVS telephone service on 13 32 20 to order a REVS Certificate before you buy the vehicle.



REPAIRABLE WRITE-OFF

The vehicle identifiers you have supplied indicate that the vehicle has been recorded as a Repairable Write-Off. The vehicle may have been repaired, inspected and re registered.

REVS records do not include repairable write-offs that were re-registered prior to 1 July 2003.

Before buying the vehicle:

Check to see if the Certificate of Registration is current.
NSW Fair Trading recommends that the Vehicle be repaired and inspected to enable the
vehicle to be re-registered by your nearest transport Authority.
Contact the manufacturer to check if the warranty is still valid as it may be void if this vehicle
is still within the warranty period.
If you intend to proceed with the purchase you can purchase a REVS certificate online or ring the REVS telephone service on 13 32 20 to order a REVS Certificate before you buy the vehicle.



VEHICLES OF INTEREST

The vehicle identifiers that you have supplied indicate that this is a vehicle of interest to the NSW Roads and Traffic Authority (RTA) and requires a RTA inspection. Before you buy the vehicle, contact the RTA on 132213 for further information.

If you already own the vehicle, please contact the RTA's Blacktown office on 02 9672 2543 to arrange an inspection.

If you intend to proceed with the purchase after contacting the RTA, purchase a REVS certificate online or ring the REVS telephone service on 13 32 20 to order a REVS Certificate before you buy the vehicle.




QLD WATER DAMAGED VEHICLE

The vehicle identifiers that you have supplied indicate that the vehicle may have been subject to water damage. Contact NSW Fair Trading on 13 32 20 for information prior to purchasing.

If you intend to proceed with the purchase after contacting NSW Fair Trading, purchase a REVS certificate online or ring the REVS telephone service on 13 32 20 to order a REVS Certificate before you buy the vehicle.

From the REVS site....free certs dont tell you anything but the basics....If you dont know the seller and it's not a licensed Motor Vehicle dealer then buy the certicate and save yourself possible heartache later.

[vrollin]

If as the title states, "how do I know if I have finace on a car I bought", its on a car you bought, which you didnt, but lets for arguments sake say you did buy it, surely you would know if you had finance on a car you bought because you would be paying it off weekly/fortnightly/monthly....

[bonners]

Did you read the first post..... Like as to why he asked....

Yeah probably not a bright idea to post your VIN

[ClairBear]

May I remind members of the following rule:

Conspiring against members by creating hate groups to have them banned will not be tolerated, this includes negative rep of users or telling others to bait them. If we find this is happening, you will be banned. If there is a user you do not like, ignore them.

Thread cleaned

[SilverVH]

Whats the big deal with posting up a VIN?

In Victoria, VIN numbers are freely available on registered cars anyway...

[bonners]

As up here. But on a highly modified car you would prefer people not to have 'easy' access to a vital piece of information

[RiCeY]

May I remind members of the following rule:

Conspiring against members by creating hate groups to have them banned will not be tolerated, this includes negative rep of users or telling others to bait them. If we find this is happening, you will be banned. If there is a user you do not like, ignore them.

Thread cleaned

This user has never been baited. It continually posts up troll threads which can be seen by a simple search of threads he has created. Hes constantly caught out lying and does nothing but waste peoples time.

The OP is the one that needs a warning, not the people that are sick of his crap.

[The X Man]

Whats the big deal with posting up a VIN?

I agree. Just walk past any late model Commodore and look in to the window and the VIN can be seen anyway.

[wraith]

/snip

Welcome to clair bear's moderating lol. I agree with RiCeY

[scvs6]

If you had money owing on your car, how would you not know? And if you did owe money and you weren't making payments then the car would be up for repossession.

[ClairBear]

The OP is the one that needs a warning, not the people that are sick of his crap.

Only one complaining is you. If you dislike a user feel free to add him to your ignore list. Making posts asking people to report his every post is against the rules and you are the one who will end up banned.