Taxing a car that is just being bought

[LoonR1]

BertBert said:

SLCZ3 is commenting about the refund going to the RK not the original payer Loon, not the days thing.
Bert

Oops

[LoonR1]

SLCZ3 said:

So it is possible for a private company to return the unused/remaining monies involved, to the person who paid for it in the first place, but the DVLA cannot, please remind me which century we are in!!!

Yes. Most companies do it to avoid any issues with money laundering. Refunding money to the payment method is the key piece though, not the person.

As I've said before the RK is the person legally responsible for tax. It therefore makes perfect sense for DVLA to refund any tax money directly to the person legally responsible for the payment. You should be capable of sorting the refund bit with your daughter out yourself, rather than rely on DVLA to do it for you.

[AdeTuono]

LoonR1 said:

SLCZ3 said:

So it is possible for a private company to return the unused/remaining monies involved, to the person who paid for it in the first place, but the DVLA cannot, please remind me which century we are in!!!

You should be capable of sorting the refund bit with your daughter out yourself, rather than rely on DVLA to do it for you.

But...but....that's almost rocket science! Much better to spend millions modifying the system so that one-in-a-thousand transaction goes smoothly. I mean, we could be talking about £20 here.

[SLCZ3]

AdeTuono said:

But...but....that's almost rocket science! Much better to spend millions modifying the system so that one-in-a-thousand transaction goes smoothly. I mean, we could be talking about £20 here.

Well next time I shall let you know and hopefully you can pay me instead of the DVLA doing so, being a responsible citizen I pay the Road tax/VED for all cars the wife and daughter have as well as my own, mainly due to the girlies conveniently forgetting/not having time to do it on line.

So after we have paid taxes to implement a multimillion pound computer system it seems that the repayment to payer of the road tax is not written into the system, sloppy work there dear readers.

[LoonR1]

SLCZ3 said:

AdeTuono said:

But...but....that's almost rocket science! Much better to spend millions modifying the system so that one-in-a-thousand transaction goes smoothly. I mean, we could be talking about £20 here.

Well next time I shall let you know and hopefully you can pay me instead of the DVLA doing so, being a responsible citizen I pay the Road tax/VED for all cars the wife and daughter have as well as my own, mainly due to the girlies conveniently forgetting/not having time to do it on line.

So after we have paid taxes to implement a multimillion pound computer system it seems that the repayment to payer of the road tax is not written into the system, sloppy work there dear readers.

I love the way you're choosing to completely ignore the legal position. The RK is legally responsible for paying the road tax. It's that simple. The fact that you have some children incapable of managing their own finances is not my problem and I don't want to pay for the system to be upgraded amd adding complexity into the process just to pacify you and your children.

I guarantee that you're one of those who whinges about the Nanny State, yet create a micro version within your own family.

Maybe teaching them some financial responsibility would be a better place to start.

[BertBert]

I suspect also that it's cheaper on an ongoing basis to issue refunds by way of cheques to the rk than attempt to refund to the card or bank account of the person who paid as well as being cheaper to implement.

The best way by far would be for it to be monthly payments that just stop when the car is sold.

Bert

[AdeTuono]

SLCZ3 said:

AdeTuono said:

But...but....that's almost rocket science! Much better to spend millions modifying the system so that one-in-a-thousand transaction goes smoothly. I mean, we could be talking about £20 here.

Well next time I shall let you know and hopefully you can pay me instead of the DVLA doing so, being a responsible citizen I pay the Road tax/VED for all cars the wife and daughter have as well as my own, mainly due to the girlies conveniently forgetting/not having time to do it on line.

So after we have paid taxes to implement a multimillion pound computer system it seems that the repayment to payer of the road tax is not written into the system, sloppy work there dear readers.

Your grasp of logic seems to have slipped. Not sure exactly why I should be liable to refund you.

As mentioned elsewhere, maybe teach your family the basics of financial responsibility?

[Red Devil]

Mr Tidy said:

anonymous said:

[redacted]

If buying privately I wouldn't worry about it if it is taxed when you collect it - DVLA don't know it's been sold until they get the V5 from the seller and that won't be the same day!

Don't be so sure about that. The seller can notify online - https://www.gov.uk/sold-bought-vehicle - so the DVLA might know 5 minutes after you drive away with your new purchase.

[LoonR1]

Red Devil said:

Don't be so sure about that. The seller can notify online - https://www.gov.uk/sold-bought-vehicle - so the DVLA might know 5 minutes after you drive away with your new purchase.

They might but are unlikely to pursue actively for a few days, particularly at month end. I'm amazed how many people credit the Civil Service with such ruthless efficiency.

[oblio]

Anyway as life is too short to worry about things, I contacted the garage prior to collecting the car and got the 8 digit reference number needed for taxing the car on line. I than taxed it ready for us to collect.

Then had to take out 1 days insurance on my lads car so I could drive it to the garage to do the part ex (his insurance had run out and I am aware that the vehicle needed to have insurance of its own rather than just having me drive it on my policy with 3rd party cover).

Loss of a months tax as it was month end - c.15 quid
1 days insurance cover - 18 quid

So the lad in effect had to pay 33 quid for not organising himself better and buying earlier in the month; but in the context of the overall cost of the car and piece of mind, not an issue.

Cheers all

[LoonR1]

oblio said:

Anyway as life is too short to worry about things, I contacted the garage prior to collecting the car and got the 8 digit reference number needed for taxing the car on line. I than taxed it ready for us to collect.

Then had to take out 1 days insurance on my lads car so I could drive it to the garage to do the part ex (his insurance had run out and I am aware that the vehicle needed to have insurance of its own rather than just having me drive it on my policy with 3rd party cover).

Loss of a months tax as it was month end - c.15 quid
1 days insurance cover - 18 quid

So the lad in effect had to pay 33 quid for not organising himself better and buying earlier in the month; but in the context of the overall cost of the car and piece of mind, not an issue.

Cheers all

Eh?

[BertBert]

oblio said:

Then had to take out 1 days insurance on my lads car so I could drive it to the garage to do the part ex (his insurance had run out and I am aware that the vehicle needed to have insurance of its own rather than just having me drive it on my policy with 3rd party cover).

So was his car sorned when you drove it or taxed but not insured?
Bert

[Red Devil]

LoonR1 said:

Red Devil said:

Don't be so sure about that. The seller can notify online - https://www.gov.uk/sold-bought-vehicle - so the DVLA might know 5 minutes after you drive away with your new purchase.

They might but are unlikely to pursue actively for a few days, particularly at month end. I'm amazed how many people credit the Civil Service with such ruthless efficiency.

Quite, but I was pointing out to the poster (who appeared to think that only the physical receipt of a V5C could galvanise the DVLA into action) about not relying solely on the delay built into the postal system.

Far from crediting the Civil Service with ruthless efficiency I believe that the DVLA has somewhat patchy reputation with regard to handling external mail once its has made it through their doors. How much more on the ball they are with reading a computer screen/print out I have no idea.

It's about how risk averse one is. When dealing with government agencies I prefer to take as few chances as possible, especially with the DVLA which can be more intransigent than most when something goes wrong. Admitting to failure is not part of its lexicon.

Electronic submission/notification is great provided the system works and doesn't freeze/crash.

[longblackcoat]

For what it's worth, I bought a secondhand car at the weekend, as a private purchase. It took me under 2 minutes, using the V5C/2 (the little green bit of paper that the new RK is given), to get new tax before driving away. Really not a hassle.

[AdeTuono]

longblackcoat said:

For what it's worth, I bought a secondhand car at the weekend, as a private purchase. It took me under 2 minutes, using the V5C/2 (the little green bit of paper that the new RK is given), to get new tax before driving away. Really not a hassle.

Me too. And SORNed the summer driver at the same time.

10x better than the old system of waiting for insurance certs, queueing at the PO, getting knocked back because the form's 'not filled in correctly' and repeat ad infinitum.

[RB Will]

AdeTuono said:

But...but....that's almost rocket science! Much better to spend millions modifying the system so that one-in-a-thousand transaction goes smoothly. I mean, we could be talking about £20 here.

you are thinking that everyone sells their cars with only a month left on the tax.

there is the potential there for the refund to be up to £463 which is significant.

I presume the reason DVLA dont refund to the person/ card that paid the fee is they dont hold onto the card / payment info? as you have to remember to pay every year where with an insurance company they hold your details so they can take the next years fee if you forget to renew.

[SS2.]

RB Will said:

I presume the reason DVLA dont refund to the person/ card that paid the fee is they dont hold onto the card / payment info?

DVLA will issue refunds for any whole remaining months of tax to the person whose name and address is recorded as the previous keeper - it's that simple.

RB Will said:

..as you have to remember to pay every year where with an insurance company they hold your details so they can take the next years fee if you forget to renew.

Or you can set up a Direct Debit which auto-renews your VED payments.

[LoonR1]

RB Will said:

you are thinking that everyone sells their cars with only a month left on the tax.

there is the potential there for the refund to be up to £463 which is significant.

I presume the reason DVLA dont refund to the person/ card that paid the fee is they dont hold onto the card / payment info? as you have to remember to pay every year where with an insurance company they hold your details so they can take the next years fee if you forget to renew.

Fewer and fewer insurers are offering auto renew facilities. Insurers hold onto card details to refund to, not to auto renew.

[oblio]

LoonR1 said:

oblio said:

...I am aware that the vehicle needed to have insurance of its own rather than just having me drive it on my policy with 3rd party cover)...

Cheers all

Eh?

I thought that any vehicle had to have insurance cover on it with 'someone' for another person to drive it on their own insurance, albeit with 3rd party cover. The insurance my lad had, had run out the day before therefore the vehicle was without any insurance. As such I thought I wouldn't be covered if I drove it on my insurance (on my car) albeit 3rd party.

If this isn't the case couldn't we all just buy cars; take out 1 insurance on one of them that gives 3rd party cover if we drive other vehicles; and then drive other vehicles that we own without taking out insurance on them? For some the 3rd party only risk may outweigh the extra costs involved by buying extra insurance wouldn't it?

Obviously I may have it all wrong and am happy to stand corrected

BertBert said:

So was his car sorned when you drove it or taxed but not insured?

Bert

No it was taxed and insured. The tax was still in place as the car hadn't been traded in at the point I drove it to the dealer plus I took out 1 day insurance for myself. I did this as I thought I wouldn't be covered to drive a vehicle on my own insurance that didn't have insurance cover with another person.

My lad has now just had a £55 refund on his tax from the DVLA which was nice for him just before Xmas (beer tokens )

[marshalla]

oblio said:

If this isn't the case couldn't we all just buy cars; take out 1 insurance on one of them that gives 3rd party cover if we drive other vehicles; and then drive other vehicles that we own without taking out insurance on them? For some the 3rd party only risk may outweigh the extra costs involved by buying extra insurance wouldn't it?

No. DOC cover, where it is given, usually (I'd say always but if I do someone will find an example which proves that wrong) specifically excludes any other vehicles owned by the policy holder - and may extend that exclusion to family members.

The requirement for the other vehicle to have another policy in force is a requirement of some policies and not a requirement of others. You need to check your policy documents to determine which one you have,.