I bought my car off ebay from NSW nearly 3 years ago now. I spoke to the guy over the phone before I committed to buying it. I had intentions of doing a conversion on it from the get go so didnt care what the running gear was like. The photos looked good so I took a risk. The guy I bought it from was upfront and told me there was money owing on it. I paid $6000 for my car and it had $6500 owing, so I agreed if he paid the $500 that I would pay the $6000 direct to the bank that held the loan. I wouldnt recommend doing it this way as I was lucky.