hi mate..personally i would not buy a car with finance owing unless the owner lets you pay whats owing direct to the finance company, dont know how that works as have never done it...i would expect the owner to get the reg. transfer sorted before they put the car up for sale, the headlights are suffering from a common crossfire problem with condensation, dont know if anyone has successfully cured the problem although i think chrysler tried a fix some years ago..(hit the search tab and type headlight condensation) fortunatley mine has not suffered YET..but new lights are expensive and hard to come by...the car is not particually cheap considering the niggles you have with the finance, no. plate transfer, headlights etc. you hold all the cards i would try for a better price or walk away its a buyers market especially for a convertable as we are heading for winter, dont let yor heart rule your head there will always be another one coming up, all the best with what you decide....chris