Ask an expert

Why does the government not do anything about linking the NZTA (New Zealand Transport Agency) sites to the PPSR (Personal Property Securities Register) so that people cannot sell a car that has finance on it?

You cannot sell a car in other countries if it has finance on it so why here.

Also, Why does the NZTA lodge a default/collection with Baycorp so soon after a registration is past due and without making contact with the person.

I know people may have changed addresses but this stays on their credit file for 5 years. I think that this is totally unfair especially when the new owner has not completed their part of the ownership change.

Luke

From the "Ask Jack" archives - 23 April 2010

The NZTA will tell you their principal function is to promote vehicle safety. It does not get involved with civil matters such as financial liens.

One could also argue that a buyer needs to take some responsibility by accessing the PPRS themselves to determine if there is a financial lien on a vehicle.

The NZAA offer an AA Vehicle History Report which highlights any financial interests on a specific vehicle.

All motor vehicles other than caravans/trailers etc come under the CVL (continual vehicle licensing) act and prior to a vehicle coming to the end of its licence cycle, NZTA sends out a MR1 (licence reminder).

It is the responsibility of a vehicle owner to inform the NZTA of changes to their contact address (MR28). This is a free service.

The AA has always strongly recommended that when selling a vehicle, the seller does not release the vehicle to the new owner until they have proof that the change of ownership has been completed.

Visit the NZTA Transaction Centre to complete the process online.

Luke, you can never take anything for granted when selling or buying a motor vehicle and at the risk of being called pedantic it is essential the buyer or seller ensure all processes are done properly and checks are made.