Checking a car for collateral at a bank: where can it be done and what are the risks of buying a collateral car? Check a car for collateral at the bank using the VIN or state number. How to check collateral equipment.

When buying a car, it is important to check not only its technical condition and ownership from the seller. The existing encumbrance may pose no less problems.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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Is it possible to find out if a car is collateral? The situation when a car is collateral is not uncommon.

A car can be purchased under a car loan program and the purchased car becomes collateral for the loan. A loan for urgent needs can be issued against a car as collateral.

But an unscrupulous seller may try to sell a pawned car without notifying the buyer. How to check if a car is pledged?

Important aspects

Loans have long become a part of the life of a modern person. Lending comes in a variety of variations.

A significant part belongs to collateral loans, when the repayment of loan funds is secured by the borrower’s property.

The essence of such security is that the owner of the property formalizes it in favor of the creditor, to whom the collateral is transferred in the event of non-repayment of the loan.

Most often, real estate or a car are used as collateral. What are the consequences of pledging a car to its owner? The credit car may be confiscated.

When the borrower fails to make mandatory payments on time, he is obliged to additionally pay accrued late fees.

With the received access code, you can submit a request via the Internet to any BKI. In addition to NBCI, these can be:

• Equifax;
• Credit Bureau Russian Standard;
• United Credit Bureau;
• State register of credit history bureaus - a catalog of all credit history bureaus.

It is important that the organizations mentioned above do not provide free information.

Vin.Auto.Ru

How to find out whether a car is pledged or not by its license plate number? Online service Vin.Auto.Ru. It has a small base. But the verification is quick and completely free.

It makes sense to use the service because different organizations cooperate with different services. And perhaps this is where information about the loan agreement that is not displayed in other databases will appear.

To check, indicate:

• Vehicle VIN;
• license plate;

Based on the results of the check, a response will be displayed about the presence/absence of a collateral encumbrance according to the service data.

Federal Bailiff Service

On the FSSP website you can check not the car, but the seller himself. For verification, the passport details of the subject being checked are indicated.

If there are any lawsuits or proceedings with penalties, this data will certainly be displayed.

The portal is useful, but you should not count on its absolute reliability. Often debt collectors delay filing a claim.

In addition, the car may even be on the “white list” if the required loan payments are regularly paid before the sale.

Register of notifications of pledge of movable property

The register of notifications of pledge of movable property was created on the basis of the Federal Notary Chamber of the Russian Federation.

Its purpose is to determine the lien of movable property, including all officially registered vehicles.

Using the vehicle's VIN code, you can find out if there is a lien on it. But there is also a nuance. Until now, creditors transfer information to the general register on a voluntary basis.

And not all banks cooperate with the federal base, especially since this cooperation is paid. And I certainly don’t bother sending information to auto pawn shops.

There is no single database of collateral cars in the Russian Federation. But you can use all possible methods when checking. This will reduce the likelihood of buying a collateral car significantly.

What to do if the purchased car is mortgaged

Do you want to buy a used car? Then first check to see if the car is on loan or collateral.

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

And also, not all sellers admit that the car is on loan or pledged to the bank.

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

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

With the entry into force of the law that regulates the new relations of purchase and sale 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 in his name.

This law, which, by the way, is also in force in 2020, would seem to significantly simplify the procedure for buying a used car. However, there is another side to the coin.

After all, earlier, when the old owner deregistered the car, the traffic police checked the car for “cleanliness”: whether it had been stolen, etc. Now, the traffic police does not check this information until the new owner purchases the car.

And it is at this point that the new owner of the car can get into trouble. Because, having bought a car, he will not know whether the car is “clean” or not.

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

How to find out whether a car is pledged or not?

You can do this in several ways:

Method 1. Check the car for collateral using the VIN code

To do this you need:

1. Find the register of notifications about the pledge of a vehicle. You can find it on the website reestr-zalogov.ru or bigro.ru.
2. By clicking on the “Register of Notifications” tab in the window that opens, click on the “Information about the subject of collateral” button.
3. In the new window, in the “Vehicle” tab, enter the VIN code, then click on the “Find” button.
4. If the car is not pledged, the search engine will not find anything. The display search will say “0 records found.”

The VIN code is indicated in the vehicle's passport, as well as under the hood, on the driver's door, under the carpet, and 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 request for a car inspection.

Data received by the traffic police can show whether the car is stolen, wanted, or whether there are any restrictions on it imposed by law enforcement and judicial authorities.

You can also check the car yourself using 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 “Car Check” button.

If the car is not wanted, it is “clean”, then the user will see a window with the following information:

“No information was found in the federal information system of the Ministry of Internal Affairs of Russia about the search for a vehicle with the identification code “ХХХХХХХХХ”.

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

Another database where you can check a used car is the bailiffs database. The website of this organization is fssprus.ru.

By visiting this site you need to:

1. Click on the “Data Bank of Enforcement Proceedings” button. Using this data bank, you need to check the person who is selling the car.
2. Enter the following information about the owner of the vehicle in the appropriate fields: full name, date of birth, territorial authority. After this, you need to click the “Search” button.

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

Method 3. Checking original vehicle documents

How to find out when buying a car: whether it is 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 companies providing expert assessment services for cars. Their advantage for the user is that he will not need to delve into the entire process of checking the car.

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

To avoid problems when buying a used car, you need to check its state registration. number. 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 different data sources: banks, customs, courts. Traffic police, government agencies, and then help potential buyers check a particular car.

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

• whether this car was involved in a traffic accident;
• What kind of damage did the car have (if any)? Information is provided with photos and videos;
• whether the car had a taxi status.

Buying a used car is beneficial from an economic point of view. However, it is not always safe from the legislative side.

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 relevant organizations, then he risks buying a “problem” car.

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

Video: How to check cars and owners for debts

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5 comments

It’s crazy to me when the owner cannot provide documents for the car and his passport. In my opinion, this is already too pale... We need to think about something urgently, fellow scammers! This is my second car and the auto service has been a great help. Based on the reports received, I sifted out the found options, in the end I left 1-2 that were really ideal in terms of the car’s operating history and went and checked it in person + drove it to a service station on a lift with friends who turned everything upside down)

Whatever you say, our laws are just a paragraph! Where has it been seen that the law was made favorable to scammers, supposedly wanting to simplify the registration procedure for buyers? Thank God, there are normal wine checking services (I used the auto service twice, and I hope it hasn’t deteriorated, because I’m planning to change the car for the third time.

All auto libraries and other resources, along with the traffic police website, are bullshit, I bought a 4-year-old car from the 2nd owner and after 2 years I received a letter from Sovcombank demanding that I 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 listed as collateral in any database, and that’s the whole situation. I hired 3 lawyers on 10/24 there will be a trial there, we’ll see how it ends, but when I bought the car, it was clean in all databases. Banks enter information about collateral cars on a voluntary basis, but it is beneficial for them to receive payment for loans, even if not on time, for 5 years, and then at the end of the loan period to recover the collateral through the court if there were violations under the contract, and no auto codes will help.

The proven mechanism of fraud involving the sale of cars taken on credit looks simple and is carried out as follows:

• the fraudster arranges for the purchase of a new car on credit at a car dealership, choosing the most popular make and model of the car;
• equips the vehicle with an anti-theft security alarm to reduce the cost of CASCO insurance and includes it in the amount of the car loan received;
• sells a car with a fake technical passport or its duplicate.

Or, when buying a car on credit, the owner of the car after some time stops paying on the loan and sells the car (this is possible even if the title of the credit car is kept in the bank until the borrower repays the loan in full). Since the car is considered to be under collateral, the collateral goes along with the car to the new buyer, provided that the buyer knew about its existence, but this will most likely have to be proven in court. To avoid legal red tape with the bank, it is better to check the information on the car’s collateral and refuse the purchase, if any.

REGISTER OF PLEDGES FNP RUSSIA

Since the second half of 2014, a unified collateral register of the Federal Notary Chamber has been operating in Russia, where all borrowers receiving bank loans and all cars registered as collateral are registered. If the car is included in the FNP information base, then using the known last name of the owner or the VIN code of the car, you can find out whether the car is a credit car.

According to Law No. 379-FZ, this register is under the jurisdiction of the Federal Tax Service, but data is entered into the notary register at the initiative of the bank that issued the loan for the purchase of a car. Moreover, this procedure is voluntary; it is based on the bank’s interest in imposing a ban on the sale of a credit car until the loan is fully repaid.

The bank's interest in entering data on credit cars is also explained by the fact that since July 1, 2104, changes were made to Article 352 of the Civil Code of the Russian Federation.

1) The pledge is terminated:
2) if the pledged property was acquired for compensation by a person who did not know and should not have known that this property was the subject of the pledge;

Therefore, if the buyer bought a car that was pledged, but it was not registered by the bank as collateral, then by law the car is not subject to seizure in favor of the bank. In other words, before purchasing a car, you need to make sure that there is no information about the car in the pledge registry database. To prove this fact, you need to obtain a legally significant document - an extract from this notarial register.

In the opposite case, when the buyer purchased a pledged car without checking it in the registry, and it is registered there as collateral, then the car, by law, becomes at the disposal of the bank for its further sale in order to repay the existing credit debt of the previous owner. Thus, in order not to be left out in the cold when buying a car, the buyer should play it safe by checking it for collateral in the register of the Federal Notary Chamber.

HOW TO CHECK A CAR IN THE REGISTER OF PLEDGES

The database is publicly available at https://reestr-zalogov.ru/ and can be used completely free of charge. However, the issuance of a written acknowledgment as a legal document is performed by a notary for a specified fee. It should be borne in mind that attempts to find out the borrower’s last name by car number will be unsuccessful, since the system does not provide such information.

In order to use the FNP service and check the car you need:

1) Go to the site using the link provided above.

2) Click on the button “By information about the subject of collateral” and click on the link “Vehicle”

3) Then enter the VIN code, body or chassis number in Latin. If, after processing the data, such a message appears, then most likely the car is not a credit car.

The presence of an extract from the collateral register stating that the car is not listed there as collateral is a valid basis for obtaining the status of a bona fide buyer and serves as reliable protection against bankers’ encroachments on the purchased vehicle. It is evidence of the honesty of the buyer, who has made attempts to verify that the car is not a credit car. Losses will be borne by the creditor who did not want to register the car as collateral.

A short statement can be received by any person; an extended statement can only be received by the pledgor, pledgee or their legal representative.

To obtain an extract, you should contact the website or a notary office. The cost of the service depends on the number of pages of this document and is 40 rubles/page for a volume of 1 to 10 pages and 20 rubles/page. for each subsequent page.

To enter movable property into the register, the pledgee must provide the notary with a completed notification form, the form of which is established by Order of the Ministry of Justice of the Russian Federation No. 131 of June 17, 2014. When submitting a notification in person, registration is completed within 2 days. Holders of an electronic signature can submit notifications electronically via the Internet, and the registration procedure takes no more than 60 minutes.

VIDEO: NOTIFYING ABOUT PLEDGE OF MOVABLE PROPERTY

DISADVANTAGES OF THE FNP INFORMATION BASE INCLUDE:

1. The optional nature of the procedure for registering a pledge of movable property for pledgees, which provokes facts of non-inclusion of credit machines in the unified register. As a result, the buyer has to spend time on legal proceedings to prove his innocence.
2. The absence of a clearly defined procedure for removing a credit car from the list of collateral vehicles in the event of early repayment of a loan by a bona fide borrower.

HOW TO CHECK A CAR FOR DEPOSIT IN THE BANK

INFORMATION BASE OF THE BANKING ASSOCIATION

The Association of Banks of Russia has its own interbank database called NBKI - National Bureau of Credit History (http://www.nbki.ru/). It is formed from information transmitted by banks and credit institutions that are members of the banking association. To obtain information from this database, you need to provide the vehicle’s VIN code or its registration number (PTS).

Disadvantages of the NBKI information base:

• for access to database information you need to pay 300 rubles;
• The database does not cover all banks and credit organizations.

In addition to these resources, you can check your car for collateral on the following sites:

1. vin.auto.ru
2. ruvin.ru
3. akrin.ru/services/cars
4. banki.ru/mycreditinfo

To achieve maximum protection from buying a mortgaged car, you need to check it in all possible information databases and resources.

HOW TO AVOID BUYING A POLLOGGED CAR?

VIDEO: HOW TO CHECK THE DOCUMENTS BEFORE BUYING A CAR.

In addition to how to check a car for a loan or collateral in bank lists, it is necessary to take other precautions when buying a car, which include the following actions:

1. Careful study of all pre-sale documents, including registration certificate, registration certificate, insurance policy. Documents must be original with all security marks. The presence of a duplicate registration certificate with the entry “issued to replace a lost one” should alert the buyer, since this method of forgery is used by the vast majority of fraudsters.
2. Pay attention to the list of car owners in the PTS. If there are a lot of them and they change frequently, then the car is clearly problematic. You should avoid buying such a car, since frequent changes of owners are one of the ways criminals “cover their tracks.”
3. You need to buy a car only from the owner, concluding a sales contract with him personally, avoiding transactions by proxy.
4. You should not buy a new car at a greatly reduced price with a duplicate title that arrived from distant regions.
5. When purchasing vehicles at a car dealership, you need to choose organizations that have licenses from official representatives of manufacturing companies, and not deal with unknown resellers.
6. Check the seller’s willingness to indicate the full price of the car in the contract and insist on this when drawing up a car purchase and sale agreement.
7. If the seller himself warns that the car was purchased with credit funds, then ask him how to check the car for collateral in the bank , and do it in his presence. Having a certificate from the bank confirming that the loan has been fully repaid is a reliable guarantor of an honest transaction.
8. If the car was previously purchased at a car dealership, then you need to ask the seller for a previous purchase and sale agreement drawn up in a car store, from which you can obtain the following information:

• last name of the car owner;
• the identity of the payer is the owner himself or the bank that issued the loan.

The seller's attempts to hide the car's purchase history should arouse the buyer's suspicions about the presence of debts or other problems with the car.
Having become a victim of fraud, a deceived buyer can take the following actions:

• find the seller and demand a reduction in the transaction price in order to compensate for the legal claims of the pledge holder in the event that the buyer can prove that he did not know and could not know about the claims of third parties to the car (see Article 460 of the Civil Code of the Russian Federation);
• file a lawsuit demanding that the transaction agreement be declared invalid on the basis of Art. 179 of the Civil Code of the Russian Federation, as a prisoner in a fraudulent manner.

In all cases, having fallen for a scammer, the buyer incurs certain losses, so the issue of purchasing a car must be treated with great care and meticulousness in checking and preparing documents, be sure to check it in the collateral registers.

VIDEO: CAR IN DEPOSIT: WHAT TO DO?

FEATURES OF BUYING A DEPOSIT CAR

If the seller honestly warns that the car was purchased on credit and has an outstanding debt, then the buyer can buy it back with repayment of the balance of the loan to the bank or re-issue the loan agreement with the bank to himself with compensation to the owner for the paid loan amount and the difference between the old and new price.

In this case, the following precautions must be followed:

• do not transfer the entire transaction amount to the seller, despite his promise to repay the loan by the end of the term;
• personally check with the bank about the presence of other debts owed by the seller or the car, which may be transferred to the shoulders of the buyer of the credit car;
• to prepare documents at the traffic police, temporarily obtain the original PTS from the bank, make additions and return it back.

More than 2 million cars are included in the official register of collateral property of the Russian Federation. In order not to stumble upon a car with a mortgage when purchasing, check it on Autocode!

What will a car security check tell you about?

Fill out the verification line on the Autocode website and get a brief description of the car online. After payment for the service, a full machine report will be generated with the following data:

• Information in PTS
• Being in collateral
• History of registration actions
• Mileage
• Participation in an accident
• Traffic police restrictions, etc.

You can check whether the car is pledged online at any time using the vin or state number. A copy of the report will be sent to your email address.

Why you need to check your car for collateral - expert opinion

Vitaly Zaikov, auto expert

“One way or another, if the car is pledged, get ready for a lawsuit. The procedure will be long, nervous and tiring. You will have to try to get the court to recognize you as a bona fide buyer. And even if this happens, only the amount specified in the purchase and sale agreement will be returned. Despite the fact that very often the contract indicates a cost much less than the actual price of the car. In this case, the defendant will pay 50% of income every month. Do you need this? It is better and more correct to check the car several times for collateral with the bank before purchasing through open and paid services.”

What happens if you don’t check the car for collateral before purchasing?

Victims' stories

Sergey

“I bought a car in 2013. A few months later it turned out that it was a pawn car. I had the original PTS in my hands. However, the court sided with the bank and the car was taken away. The police never found the fraudster. He hid in his homeland, Azerbaijan. Of course, no one returned the money.”

Konstantin

“A year ago I bought a car, and a month later I found out that it was listed as collateral. In general, he took the car apart and said that he didn’t know anything. I sold the parts, they say. Nobody needs the body. Of course, not the best method. But this is how I saved my car.”

How to get a mortgage on a car before buying

You can check a car for a deposit by vin or state number using Autocode. The service requests a minimum of information to prepare a full report.

What you need to do to check a pledged car:

• Enter the registration number in the search bar;
• Get a brief description of the car and pay for a full report;
• Receive the report on the screen online and by email.

It’s easy to find out whether a car is pledged or not in 3 steps. You do not need to go anywhere or additionally search for VIN, as on other car checking sites. You can check a car registered in any region of Russia.

Why is it better to unlock a car through Autocode?

The main advantage of Autocode is that without leaving the computer, within 5 minutes, indicating only the state code. number, you will receive all the information about the car. The report traces the complete history of the car from release from the factory to the moment of sale. Even specialized salons turn to Autocode for help to find out the real picture of the vehicle.

There are at least five reasons to contact us:

• All reports are verified through official sources - the traffic police, the register of pledges in the Federal Notary Chamber, etc.;
• A car can only be identified by registration number;
• The check takes 5 minutes;
• The current Autocode mobile application allows you to check the car directly during the transaction.

Buying an untested car can lead to serious consequences - legal action, loss of money, time and car. Thanks to the well-coordinated work of the service, you will receive a report on time and find out what the desired car “breathes” even before the transaction. And remember: whoever owns the information owns the world. In your case, a car!

Good afternoon

I bought a car under a sales contract, went to register the car in my name, and then they told me that there was a ban on registration, they didn’t say the reasons, they just said which court imposed it. I called the court, they said that the car was in collateral, and the first owner of the car (according to the title, the owner is already different). Next I check on the website of the Federal Tax Chamber www.reestr-zalogov.ru, nothing was found according to the results.

How to proceed, please advise in more detail?

where to write to the court or the traffic police, if to the court then which one, the ban was imposed in another city

Batyr, Hello.

Was the restraining order placed on the first owner before the car was sold to the second owner, or after that?

In any case, you will have to deal with the court that imposed the restriction. If it is located in another city, then first call there by phone to clarify the details.

Good luck on the roads!

Good afternoon, what about the verification when the Japanese only have the body number in the registry?

Grisha, Hello.

The website of the notary chamber allows you to check only by the VIN of the car. However, you can check the information using the name of the previous owner. Just in case, I recommend checking all the owners listed in the title.

Good luck on the roads!

Vladimir-278

Good day! The question is this: the car was purchased for a fee in mid-July 2014, second-hand by registering a sale and purchase. In June 2016, a subpoena came to the court, UniCredit Bank put forward claims for a pledge on the car, I checked the car for pledge, the car was entered into the register at the end of 2016, I provided this information to the court! The meeting was postponed due to the failure of the defendant (the first owner of this car); eight months have passed, and there are no results in this case. Can I file a counterclaim against Unicredit Bank, because due to the collateral, I cannot sell this car, the car loses value every six months?

Vladimir, Hello.

In this case, you need to go to court to remove the vehicle from the register of pledged property. In the situation described, the collateral should not have been transferred to you.

Good luck on the roads!

Mikhail-162

Hello! A car with a duplicate title, entered the register of pledges - it was pledged, but “the information was excluded.” As I understand it, the deposit for it has been paid off, or is it still worth refraining from this option?

Michael, Hello.

I recommend taking insurance in this case. To do this, you need to contact a notary on the day of purchase, who will issue you a document confirming that the car is not pledged. This document will later, if necessary, help you prove that you did not know about the pledge.

Good luck on the roads!

Tatyana-150

Good afternoon, the car was purchased on 08/12/2010 using the original title, in 2017, when it was deregistered, I learned that restrictions were imposed on the registration. actions based on a court decision from Sberbank in 2011. and in 2015 for this vehicle, to a person who is not in the PTS record, but the traffic police claim that they have it in their database as the owner until 2009. Since this is a Japanese truck, the Vin is not in the database; the notary also does not have it as collateral. What should I do?

Tatiana, Hello.

In this case, the algorithm of actions is as follows:

1. Find out the authority and official who imposed each of the arrests. For example, full name of the bailiff.

2. Find the official’s phone number, call him and explain that the arrest was made illegally, because the car was in your property.

3. If the issue cannot be resolved over the phone, then write a statement to the indicated official and send it by mail or deliver it in person.

Good luck on the roads!

Sergey-614

Hello. I bought a car a week ago, registered it without problems, but now I just found out about the registration and checked, and there the car is pledged to the bank from the car dealership since May 20, 2018. It has a duplicate title. Any concerns? Please tell me.

Sergey, Hello.

If at the time of purchasing the car it was pledged, the pledge holder may try to recover it from you, because the deposit is retained.

Good luck on the roads!

Hello!

Yesterday I went to a car dealership (Rostov-on-Don) to sell my car. After checking the legal purity of the car, the car dealer refused to purchase it because... The two previous owners have outstanding car loans, and according to the title, I am the second owner. As they explained to me, the car loan of the 1st was transferred for collection, and the car loan of the 2nd is also active. Both loans are from 2013. and g.v. same car. Of course, I knew nothing about this. I bought it for cash at the beginning of this year from a Honda dealership in Moscow.

What to do?

Thank you

Maxim-171

Good afternoon I bought the car in March 2017. Now, during the sale, it turned out on the Note website. chamber that the mortgage on the FIRST owner was registered in the chamber on January 30, 2015. According to the title, I am already the FOURTH owner. The car was registered with the traffic police at the time of purchase calmly. How to be better and what to expect? They checked for a deposit upon purchase, but on other sites, they did not go to the chamber’s website (they didn’t know about it, so whether there was registration on the site on the day of purchase was not known). Thank you!

Ahmed, Hello.

Is there information that the car is pledged in the pledge register?

Maksim, Hello.

Unfortunately, the bank may demand the pledged car from you. In this case, the issue of transferring the collateral will have to be resolved through the court.

Good luck on the roads!

Victoria-53

Hello! We bought a car from a private owner in 2017 and previously checked it for arrests and involvement in an accident. There was no information in the register. Today we received a subpoena with information that the car is pledged to AiMoneyBank and that it is demanding it as repayment of the loan. It turned out that the previous owner had mortgaged it to this very bank. The PTS is original, there were no questions during registration. At the moment, an entry for our car has appeared in the registry. What should we do? How can I find out exactly when this post appeared?

Victoria, Hello.

1. In this case, you should inform the court that at the time of purchase there was no information about the pledge of the vehicle in the register of pledges. Those. You did not know and should not have known that the car was pledged.

2. Indicate exactly what information is contained in the registry regarding your vehicle.

Vladislav-41

Hello. Tell me how to check a Japanese car in the register of pledges, because... VIN missing

Vladislav, Hello.

Unfortunately, it will not be possible to obtain this information via the Internet.

Good luck on the roads!

Alexander-683

Good afternoon I bought the car in September 2016. Now, when selling, it turned out on the Nota website. chamber that the mortgage on the FIRST owner was registered in the chamber on December 15, 2015, and he sold it to the second owner on June 16, 2014. According to the title, I am already the FOURTH owner. The car was registered with the traffic police at the time of purchase calmly. How to be better and what to expect? They checked for a deposit upon purchase, but on other sites, they did not go to the chamber’s website (they didn’t know about it, so whether there was registration on the site on the day of purchase was not known). Thank you!

Vyacheslav-87

Hello. Please tell me. I bought a car in 2015, and now I checked for fines and decided to check it completely. A complete list has been released that there are no fines, not for theft, not for bail, not for taxis, but there is a traffic police restriction from 08/13/2018. And I can't understand what this limitation is.

Alexander, Hello.

Theoretically, the bank that has the car as collateral can try to recover this car from any subsequent owner. If this happens, you will have to prove through the court that the buyer could not have known that the car was pledged at the time of purchase.