Full payment before Delivery

[Mickthemove]

Hi,

might be a daft question, but i am due to collect my new motorhome in just over a couple of weeks and the dealer requires full payment 14 days prior to handover, is this a normal Motorhome dealers practice as i am very wary of parting with dosh before i have the goods in my hand or am i am being to cautious, if they did go bust in that 2 week period i would just end up a creditor with diddly squat as collateral
Many thanks, Mick

 

[138go]

Thanks guys, i rang the finance guy at the main dealer (big named dealer) and he said a couple of days before is fine, he said it was just in case there was problems transferring that amount of cash, i think I will just turn up with the debit card on the day and do it there and then, if they dont like that then tough, i want the log book in my hand.

Many thanks for all your replies

Thats exactly what we did. The Dealer suggested it as the simplest way of doing it otherwise they have to wait for notification from the bank. Its certainly a lot easier and the charge to the Dealer is minimal as its a Debit Card.

 

[Funnymunny]

No way, we cleared it with the bank and paid on the day with a Debit card and the dealer was happy with that

 

[SuperMike]

Pay 14 days before seeing it.

Pay 14 days before checking it over.

Pay 14 days before handover.



I know, I'm sorry.

 

[Burgo]

We had to pay the balance some 5 days before collecting, so that it could be registered in our name and the number plates, etc fitted. Granted that was in Spain, but I was a bit concerned that the dealer could go bust before we got the keys (but I do worry about stuff like that) . A bit nerve wracking, but everything was just fine in the end.

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[Ivory55]

It boils down to would you honestly trust a dealer ?

 

[MyrtleGuru]

Bought a couple of brand new factory order cars like that i.e. transfer the balance before collecting. First time it was my employer's money, so their risk. The second time it was my own money, so definitely squeaky bum time. I have heard tell that if you pay the deposit by credit card, even if the balance is paid by other means, then you are covered by the credit card company. Think we need someone conversant with consumer law to confirm whether that is true or not.

 

[Paul an Jane MK]

Our dealer had £1000 deposit at NEC and then prior to registration balance of 10% deposit and then option of bank transfer day before collection or debit card before driving away.

Debit card every time for me once keys and V5 in my hands.

Dealer did get me to try transaction without ringing bank first, I am glad to say it was declined but after a quick call to bank I had a ten minute window for transaction and it went straight through and dealer gets an authorisation number so happy.

With a bank transfer someone has got to access their account and look for the payment

 

[scotzsue]

Debit crd, on collection for both of ours. Arranged with the bank beforehand.

 

[Jasz]

We were asked by our dealer to pay by debit card on collection. No problem having arranged it with the bank. I seem to recall the bank phoning to confirm it at the time though.

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[Janine]

My bank (Barclays) wouldn’t accept my advance notice of a large transaction, declined my payment and phoned my mobile to verify that it was really me making it.

That would have been so easy if I hadn’t changed phones and forgotten to let them know the new number.

Lesson learned in the most embarrassing way

 

[Derbyshire wanderer]

Tell them no. When we changed to a new van they said they had found some rear panel marks on the trade in and wanted another £350. I said goodbye and stated to walk but they said no problem, let’s sign and pay as originally agreed. If I had paid up front I would have had no leverage to walk away.
BTW I paid the initial £2000 deposit on a credit card which they also were not happy about but I insisted that was the only way we would be placing the order.
Once they have all the money they have the absolute upper hand.

 

[The Lord Squid]

I paid a small deposit. Balance in full on the day of collection.

 

[philfish]

Bought a new AT 635 sport with £4500 of extras from GOEuropean they asked for £500 deposit and not a penny more till we picked the van up don,t part with your money till you have Log book and keys in front of you. It doesn't grow on trees.

 

[ABZSteve]

Hi,

might be a daft question, but i am due to collect my new motorhome in just over a couple of weeks and the dealer requires full payment 14 days prior to handover, is this a normal Motorhome dealers practice as i am very wary of parting with dosh before i have the goods in my hand or am i am being to cautious, if they did go bust in that 2 week period i would just end up a creditor with diddly squat as collateral
Many thanks, Mick

No payment before inspection. My dealer tried it on asking for payment the day before I picked up my new MohO. Nae chunce I said, sent them £1 to ensure transfer details were fine. They weren't happy but so what, not my problem.

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[ABZSteve]

Thanks guys, i rang the finance guy at the main dealer (big named dealer) and he said a couple of days before is fine, he said it was just in case there was problems transferring that amount of cash, i think I will just turn up with the debit card on the day and do it there and then, if they dont like that then tough, i want the log book in my hand.

Many thanks for all your replies

Just make sure you talk to your bank first to ensure no issues with transfer on the day

 

[mushy]

If they get arsey tell him when it arrives to park it in the corner and see if he can get someone else to buy it straight away. I think he will say a bank transfer will do nicely. I thank you.

 

[mike mcglynn]

When picking up your vehicle from dealer inspect closely before driving off as we have had 2 silly things happen to our vehicles ,first one was golf ball through back window just prior to collection( kids at back of parking area)second one was dimbo salesman hit another van bringing it round for us to drive away he scuffed up the bumper . After a bit of a moan he filled up the fuel tank to compensate and I polished the scuff out when I got home .

 

[zac]

We paid a small deposit think it was 2k on a 105k van, then on the day and only afer checking it over thorughly did i then pay by debit card using chip and pin the remaining 50+k (plus the px of our old MH), all went though with no issues. Done this on all 3 MH's that we have purchased and not had any issues. The advice you have been given here is the way you should go and DONT pay upfront. Only pay once you have seen the MH and inspected it, then and only then pay the balance.

 

[Steadycam]

We bought from Webbs at Reading. They WOULDN'T TAKE OUR MONEY until we had seen our specific van had a handover and were happy with our van. When the handover guy had done his stuff and we agreed we had seen everything and were happy we then went to transfer the money. A nice touch after was when we went back to the van to transfer our stuff they'd parked our old van face in next to the new van face out ( so that we could just cockstride from one van door to another Little thing but made all the difference. Never apart from a deposit was any ask of any money made until we were in font of the van, happy and then given the keys.

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[Puddleduck]

I suppose they might be a bit nervous if you have had it extensively modified just for you in such a way that it would be hard to sell to anyone else. However, the payment profile should have been explained and agreed upon at the outset. We paid the balance on ours when we collected it.

Our van was built for us (re-inforced roof support and rack for the kayaks plus quite a few other more minor things). We paid the day we collected it by debit card. We had warned our bank in advance of the amount we would be paying and they gave us a code to quote when the clearing service phoned the dealer for confirmation.

Thanks guys, i rang the finance guy at the main dealer (big named dealer) and he said a couple of days before is fine, he said it was just in case there was problems transferring that amount of cash, i think I will just turn up with the debit card on the day and do it there and then, if they dont like that then tough, i want the log book in my hand.

Just let your bank know how much you wish to transfer, to whom and the date of the transfer. It's not a problem.

 

[Puddleduck]

I remember hearing about a guy who bought a new van from Discover Leisure. He had made payment and was collecting it in the afternoon. Unfortunately, the liquidators were called in before collection. All assets were being secured. Luckily, one of the salesman was a decent guy and drove his van out onto the public highway and advised the new owner the keys were in it and to get there ASAP and collect. If this had not been done he would have had to file a claim with all the other debtors with little chance of getting his money back.

If he had paid for it then the van was his and not the property of the company - if the liquidator had not handed over the van that would have been theft by the liquidator, or that is what I understand. Proving it might be another matter unless the van had plates on it (another plus for vanity plates??) and had been registered to the new owner.

If you take a car for service and the garage goes bust whilst your car is there you don't lose your car.

 

[Gooney]

Bottom line is the dealer doesn’t trust you even though there is little risk to him.. He’s still got the goods!!, the dice is loaded, all the risk is on your part he wants you to trust him, he wants paying when you haven’t even seen your purchase, definite no no.

 

[stewartwebr]

If he had paid for it then the van was his and not the property of the company - if the liquidator had not handed over the van that would have been theft by the liquidator, or that is what I understand. Proving it might be another matter unless the van had plates on it (another plus for vanity plates??) and had been registered to the new owner.

If you take a car for service and the garage goes bust whilst your car is there you don't lose your car.

I’m no lawyer but my understanding is the transfer of sale had not taken place. He had paid for it but had not taken delivery. Therefore technically the vehicle belonged to the company and it was on company premises. In this particular case even the vans in having warranty work had to show proof of ownership for their vans to be released and it took some time for people to get their vans back.

 

[Puddleduck]

I’m no lawyer but my understanding is the transfer of sale had not taken place. He had paid for it but had not taken delivery. Therefore technically the vehicle belonged to the company and it was on company premises. In this particular case even the vans in having warranty work had to show proof of ownership for their vans to be released and it took some time for people to get their vans back.

Okay, a part performed contract, lawyers love those!!!!!

I'm sure the liquidator had a real headache trying to establish what the true assets actually were. One of the companies that Martin worked for went into receivership and he said it was a real eye opener as to how the liquidator worked...... everything had a value.

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[Ianj55]

Do a bank transfer once you have inspected. Inform your bank prior to the day. When collecting our brand new expensive A class we noticed a cracked windscreen which was over 4K plus other items that were wrong. Once driven away you have a problem, plus if you have paid upfront they will not want to put problems right. You are the purchaser and Motorhome’s are too expensive so dont pay upfront!!!

 

[Madcaravanner]

WE paid £1k deposit
the rest on collection by card

no way would they get the full cost up front before I had the keys in my hand

 

[HandyAndy]

I was a bit more hasty in my purchase. saw the advert, drove to see it after work, said to the dealer “i’ll take it”
this was on a Friday and I wanted it on monday... no time for a deposit he said and he hadn’t checked over...
I guess he was quite busy that weekend as the leisure battery had to be replaced as well as the Elektrblock and a service and hab check. oh and I asked for it to be polished.
then found out HSBC can only do 10k per day on “electronic transfer”
Fri -10k
Sat -10k
Sun - the remaining balance
picked it up after work on the monday and to my surprise he had managed to pull all the strings and got it done.

 

[NickA]

Absolutely not. I have only ever paid a deposit and balance on collection and after the handover. On two occasions (with dealers I trusted) I held back a small amount because I accepted delivery with some work outstanding, mainly because I wanted the vehicle for a specific date. Both times the dealers were OK about me holding back over £1000. I calculated the amount to hold back by getting an independent quote for doing the work not completed. I hasten to add that I have subsequently found both the dealers to have excellent after sales and I would probably be less sceptical if buying from them again.

 

[Mattbee]

Having just bought, we have given a £500 deposit. The caravan we are pxing will be picked up the day before we are due to collect the motorhome and the remaining balance will be paid when I have had chance to do one last walk around, check the few bits to be done have been, etc...
Was same when we bought the caravan too; deposit with balance on collection.
I think it’s also important to pay the deposit at least on a credit card as you then have protection for the whole purchase in case of problems.
There’s no way I’d be handing over that amount of money without knowing what I was buying was 100%.

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[philfish]

will be interesting to know the outcome MI