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Buying a used car: payment, paperwork and your rights

Put the whole deal on the order form

Record the registration and VIN, price, deposit, part-exchange allowance, included accessories, agreed repairs, warranty, collection date and any delivery charge. Ask whether a deposit is refundable and when. Keep the advert and messages in case the description later changes.

If you use finance, check the signed agreement against the quote. Before sending a bank transfer, confirm the payee and account details using a trusted phone number you looked up independently. Do not rely on changed details sent in an email or text.

  • Get promised repairs and accessories in writing.
  • Check who clears any outstanding finance on a part-exchange.
  • Keep receipts for deposit and balance payments.

Check again before taking the keys

Inspect the car and verify its registration, VIN, mileage and condition against the order form. Check that promised work was done. Collect all keys, service evidence, manuals, warranty documents and charging equipment included in the sale.

Make sure the seller completes the keeper change and gives you the correct new-keeper slip from the V5C. Arrange insurance and tax the vehicle before driving on the road. Vehicle tax does not transfer with a sale.

Know who sold you the car

A purchase from a trader gives different legal protection from a private purchase. A warranty may add cover, but it does not remove statutory rights. Read the written warranty for exclusions, limits and how to claim; do not assume every fault is covered.

If a fault appears, tell the seller promptly in writing. Describe when it happened and keep photos, reports and messages. The available remedy depends on the seller, the fault and the circumstances. Citizens Advice has a current tool for used-car problems; use the version for your UK nation rather than relying on a blanket promise of a refund.

Keep in mindDealer Stock is a listing platform. Check the identity of the seller and agree sale, finance and after-sales terms directly with them.

Keep the paperwork and set reminders

Save the advert, order form, payment receipts, finance agreement, V5C details, service records and warranty together. Set reminders for MOT, insurance and servicing. If a warning or fault appears soon after purchase, record it and contact the seller rather than waiting for it to worsen.

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Check these pages for current rules, costs and eligibility.

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