I'm thinking of purchasing car that is currently on sale by a private seller. The car is in his wife's name and there's money owing. Do I need to see drivers licence and marriage certificate? The logical thinking is to see the photo in his driver licence, get his name, see the marriage certificate, his wife's name and match it to the owner's name. My principle is better safe than sorry but do you think it's too much? I don’t know who this guy is and how he is related to the car's owner. He can probably claim that he is husband but he can be Joe Bloke with no relation at all to the car's owner. Then do all the other due diligence: NRMA(State Roads) PPI, do RWC. If everything's okay, then we sort out the finance: Say money owing to 1 financial institution is $45K but we agreed on $41K. So I pay 41k to his financial institution and he pays 4K to his financial institution then I get a certificate/receipt stating there's no more money encumbered in the car? At this stage, the car is still under his wife's name. Do I go to RMS on the same day and do the transfer? I read from another forum that the transfer can't be done on the same day because it takes time for the record to be updated in the finance company. If he decided to walk away, what's my right? I paid off his loan and not getting the car. Am I thinking too much?