problem solved

[pinkpig]

Hello, i am having some problems in the process of buying a used car however i dont know how to solve it suitably so i hope someone here can give me some advice about that.
i bought a used car from one woman 10 days ago, we met and sign a transfering paper( luovutuskirja omistusoikeuden siirtymisen todistamiseksi) and i gave her almost the amount of money for the car. and on that day ,she said that she will call the insurance company to cancel the insurance of the car in her name. this week, we meet again and intend to go changing owner of the car. i told her that the heating system of one seat on the car doesnt work since the day i try it ( maybe 6 days after i sign that transfering paper) but we quarelled about who will pay for that fixing cost. and finally she went away without saying anything.
until now, it has been almost 2 weeks from the day i signed that paper and somehow i dont know the exact day that she cancel the insurance.
so the situation is what i should do now? becuase she doesnt accept to fix problem of the car and change name, i just wonder whether i can buy insurance with that transfering paper or not becuase its already 2 weeks since the day i sign transfering paper. and in this case, i or that woman should pay for that fixing cost? becuase she said that when she went for kasatus,everything is alright. so now i have to pay all, is it right?

i hope that someone can help me. becuase actually its the first time for me buying used car here, and i still dont know manything about this process. Thank you all

[Honest]

It was your duty to check everything before making the payment. Seller doesn't have any responsibility after you finalized the purchase by signing the paper.

Older insurance (basic and compulsory) is valid for 7 days after you signed the paper (bought the car), and you are supposed to transfer ownership within those 7 days. Driving car after 7 days without a new insurance is illegal and cause you great troubles in case of an accident.

What you can do now is to buy immediately an insurance (POP vakuutus has cheapest options) and then go to a katsastus place to change the ownership (I am not sure may be nowadays you don't need to go to katsastus office, somebody else with fresh knowledge can guide you).

Just remember she is not responsible for anything anymore and she doesn't need to to do anything to change the ownership. You are fully responsible for everything now

[Pursuivant]

You bought the car, its yours. You want to complain, tough. Its rear-light guarantee (the rear lights stop showing, the guarantee is off) and a buttwarmer is not a "katsastus" item anyways.

No insurance, you'll get a nasty letter with something as 150 euros per day for uninsured car. The grace period is 7 days. You say "me stupid foreigner" they say "pay stupid tax"... Get insurance, go to katsastus.

My father said: "you have to pay your tuition fees". You have now been educated in buying an used car. Next time you don't "think" so much, you "know".

As for the buttwarmer - 1. Fuse 2. Wiring. If you just are too thick to fix, biltema sells auxiliary that plug in to the cigarrette plug... then you need to find a cheap garage

[pinkpig]

Hi, thanks all the replies.
Now i am going to buy the popvakuutus. however, I havent got the Finnish ID yet ( I applied already 2 weeks ago, and the page needs Finn ID to log in my netbank. So I want to ask, Could i ask my friend to pay for me although the name registered for car is mine. He has Finn ID so he can pay, that is the point.
Thanks

[betelgeuse]

Hi, thanks all the replies.
Now i am going to buy the popvakuutus. however, I havent got the Finnish ID yet ( I applied already 2 weeks ago, and the page needs Finn ID to log in my netbank. So I want to ask, Could i ask my friend to pay for me although the name registered for car is mine. He has Finn ID so he can pay, that is the point.
Thanks

The online systems to apply for insurance often only use Finnish ID to verify the identity of the buyer and then invoice by traditional mail for the first invoice. If this is the case for what you are doing, then your friend is not useful since the insurance would go to the friend's name. There is usually some insurance company outlet in every mall so you could just use them to get the insurance.

[pinkpig]

Hi, the second problem of mine is I signed the omistusoikeuden siirtymisen todistamiseksi more than 3 weeks ago, 11/9. However, She was always busy and told me that I can drive the car in 2 weeks for free insurance (She said its her insurance ). And last week, she told me that She had just announced fennia that the car is sold and tell me that now I only have one week for buying new insurance and also change the name ? I am quite not understand about the time periode, clearly I need to buy insurance and change ownership during 7 days after the papers signed. She said 2 weeks of old insurance and the ownership can be change after she informed insurance company.
I am really in a mess now. REALLY really scare of late ownership changing time and also the insurance.
Please help me to clearify those problems
thanks all

[pinkpig]

I also need recommendations for buying insurance, POP and saastopankki give the reasonable price but there are 3 types of insurance, L,S and i think the cheapest one.
Which should i choose if this is the first time driving in Finland. my friend told me that I need the 2 sides insurance, meaning that for me and for the other party I hit the car to.
so does the type S cover the 2 sides ?

Type S
omavastuu

Omavastuu on 150€

Liikennevakuutus

Paloturva
Varkausturva
Eläintörmäysturva
Ilkivaltaturva
Hinausturva, omavastuu 0 €
Oikeusturva

[Upphew]

Liikennevakuutus is mandatory, as it pays the other party if you @#$% up. Fire, theft, moose and all that are for cases when the other party doesn't have insurance and you would like to someone else (eg the insurance company) to pay.

[gfunho]

It was your duty to check everything before making the payment. Seller doesn't have any responsibility after you finalized the purchase by signing the paper.

Not necessarily true. The seller has to disclose the condition of the car to the best of his knowledge. If the object sold does not adjust to the description made by the seller, he might have responsibility on the fixing.

The kuluttajavirasto says:

A defect in a used car

A used car may have faults due to normal use and natural wear and tear that are not considered defects. Defect assessment is based on an overall evaluation. Factors taken into account include the purchase price, how old the car is and under what conditions it is used, mileage, and how the car has been cared for and maintained.

As a general rule, a car is defective if

it does not conform with information that was provided by the seller,
the seller did not tell you essential facts about the features or use of the car that he was aware of, or
the car is in worse condition than you had a right to expect based on the price and other circumstances.

You cannot claim that something is a defect if the seller told you about it before the purchase.

Sometime I bought a car that was supposed to work fine. Two days later the check engine light went on. I contacted the seller, and he took care of the fixing, since the description of the car he gave me stated that it was in driving condition and it wasn't.

Another thing is that a bench warmer broken (probably does not qualify as "essential") might be so minor issue that fighting over it might give you more pain than gain.

[Upphew]

Another thing is that a bench warmer broken (probably does not qualify as "essential") might be so minor issue that fighting over it might give you more pain than gain.

It is also stuff that one should be able to check before buying. If you didn't check, shame on you.

[Honest]

The cheapest insurance is the one which you must have if you want to drive your car. It covers the damages to others and your injuries (but not damage to your car) in case you cause an accident.

The more expensive ones have different additional benefits e.g covering the damages to your car as well even if you are the culprit in an accident.

If you are a new driver or your car's worth is more than 2000 euros I would suggest you to take the insurance which covers damages to your car as well.


P.S: It doesn't matter what she said, what you understood or what she promised to you, you are supposed to know the law and take care of all the paperwork and fulfill the legal requirements.

[pinkpig]

Thanks all, all the problems have been resolved. I met her and Now I Know that the papers I signed were just the private contract between us. When I gave her the remaining money, She wrote the sales day 6/10 in the 2nd important paper 'car registration' and I have even more 7days for insurance and changing name. The car previous insuarance is still valid. She didnt terminate it. With the hurry in the emergency situation, I bought immediately the fennia one, more than 818e/year. And now I have e-service activated, I change to POP and receive the price 720e.The page informs that I will receive the paper with new insurance by next katsatus. is it right?