No V5 is something to be concerned about - I'd get the seller to rectify that situation if he / she wanted a sale...
...note a V5 is not proof of ownership - it is acknowledgement of responsibility of road tax! On the documentation it says "registered keeper"
I wouldn't buy a car like that with out seeing it - paying money before seeing the vehicle would be a daft thing to do so I don't quite see why you are concerned about foreign bank accounts at this stage (unless you are someone who would do that!)
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