De ja vu!?!?!? There was a lengthy heated debate about outstanding fince about two weeks ago.......i think it was started by maz0
Basically, you go to the sellers house, phone the finance company and get a settlement figure. If its less than £13500 you pay the full balance off (so that you know the car is now finance clear) and pay the seller the difference.
If its more than £13500 you pay the finance company £13,500 and the seller pays off whatever is left.
Don't leave the house without the full balance being paid off. Job done.
It would only be an issue if the finance is more than what the cars worth and the seller does not have the funds to pay the difference off.