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donna h | Buying a tv from someone who has still to pay balance.? |
A friend has brought a tv,she still owes £1000 on it which she has to pay in april.She wants to sell the tv to me for £700 and i just really want to know if she didnt pay the final remainder would i be liable.I wasnt going to change it in my name,was just gonna buy it from her,and put the £700 as a payment of the balance..any advice!
Additional Details
The tv is 5 months old is worth £1400 right now to buy,that why i thought it was a good deal. |
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stafflers.t21@btinternet.com
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It all depends on whether she acquired the television using a loan or hire purchase.
If your friend brought the television on hire purchase then she does not own the television and can't sell it. If you buy it you can be prosecuted for receiving stolen property.
If your friend brought the television using a loan then she owns the television not the finance company and she can do what she wants with it.
However - why on earth would you spend £700 on a second hand television? There are far better bargains to be had.
If you buy a television from your friend you loose all consumer protection that she has. Ie, if the television is new then she is covered should the television be faulty under the Sales of Goods Act and other legislation.
She can pass the television onto somebody else but she can't pass on her rights under the legislation so you would have no come-back against the shop she originally brought it from should it prove faulty. |
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minerva
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i wouldn't buy it from her. friends and moeny don't mix. watch judge judy and learn |
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taketwo
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legally she can't sell |
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halloweenpumpkinuk
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I did not think you are allowed to resell things on fiance. I would not do it. It's like a car you cant sell the car until you have paid it off |
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cool runings
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At the moment sit down and think is it really necessary to buy such an expensive TV. That is a lot of money to pay for a TV. The reason why your friend is selling it is because he /she is in financial difficulities and these came about because of buying expensive stuff. If you have money lend your friend some money but do not buy the TV you will be in a lot of trouble very soon. PLEASE read MINERVA's answer and always remember it when ever you deal with friends. |
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roobies mam
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dont do it!!!!!!!! |
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Sidoney
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My outright guess, (and I'm not familiar with English law, just human kind in general) you'd be better off passing on this "deal". You're banking on giving a friend of yours 700. (i don't have the pound sign!) who is then going to take that and pay 1000.? So at best case she's going to lose 300 ? and she's a good enough friend not to finally resent that forfeiture? I get she probably needs the cash now and is looking to have some other sort of grand lottery payoff before April when the rest of the money is due? Yes? My advice is steer clear or "bog off"! |
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Uncle Johnny
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What kind of TV is worth that much money ? I have 5 ea 27"
TV's that are plenty good for anybody that is not rich or demented
They cost me $299. at Costco. |
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BigBoy
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as far as the contract is concerned it is not hers to sell until she has paid everything outstanding - if she defaulted on her payments the finance company would take the tv away from you regardless of what you have or have not paid her and even if you made a contract with her it would be void as it would be in contradiction of a contract already agreed on that item. thats the law and she will have signed a contract to say she agrees with it.
your best bet my dear friend is to take the tv from her and get her to give you 300quid with the tv. then you write a cheque for £1000 direct to the finance company and send it your self with a letter to them saying you are settling the finance on behalf of the purchaser and after clearance of the cheque you should get a letter from them agreeing that the finance is cleared and the contract is finished.
dont pay her for the tv - even though she is your friend there is always the possibility that she loses her job or falls out with you then you'll be 700 out of pocket and no tv. |
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cjastone@btinternet.com
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surely she has no right to sell goods that she has not paid for. |
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Perkins
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Get her to give you the TV and £300 and let the original vendor know that you are now liable for the outstanding £1,000 |
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Stumpy
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Because the contract was made with your friend she would be liable for all payments. The grey area is ownership. Does your friend own the the TV at this point. Some finance agreements state that the product is still owned by them until full payment has been received. In that case the finance company could reprocesses the goods, even from you as a third party. You would lose the TV and your Money. My advice is not to buy the TV. |
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michael k
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Don't touch it with a barge-pole,the tv doesn't belong to your friend until it's paid for.The shop could take it off you if your friend does not pay for it full. |
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Steve R
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You are not liable for the balance, it is her responsibility to pay it off. |
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scallywag
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If the loan was secured on the TV (highly unlikely) then you would be liable if she stopped paying as they can come and claim back the TV. But usually, for things like this, the loan is not secured on the TV. I'd suggest you get a receipt from her that you've bought it off her so that there's no come back in future. |
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