Odd car tax situation

[Dog Biscuit]

Purchased a used car privately from a friend.

Transferred ownership online and I used the green slip to tax it - again online.

I set up payment for the rfl in the form of a direct debit.

Web message says all is good - will take first payment then subsequent monthly installments.

Get a letter a few days later saying my bank refused the DD and I must use the V5 to tax online in full payment. OK no prob.

The thing is according to the DVLA online checker its showing as taxed despite no payments being taken.

I went to tax it online via the V5 as the letter demanded and it states it's already taxed and continuing may result in paying twice.

I've checked my bank statements and no payments were taken, not even the initial one from when I first set up the DD

So, is it a glitch in the system and I should sit tight and keep checking online as to the tax status?

[poo at Paul's]

Has your mate still got it ‘taxed’?

[Simpo Two]

poo at Paul's said:

Has your mate still got it ‘taxed’?

That's my thought. Once upon a time the tax moved with car. Simples. Now when you sell a car you're supposed to reclaim any unused VED, and the buyer starts from fresh. And the VED make another 15% on the deal because they only refund whole months.

[cuprabob]

poo at Paul's said:

Has your mate still got it ‘taxed’?

The online change of ownership would have cancelled the tax by the previous owner.

[Dog Biscuit]

cuprabob said:

poo at Paul's said:

Has your mate still got it ‘taxed’?

The online change of ownership would have cancelled the tax by the previous owner.

I was just about to say what cuprabob has kindly pointed out

This has gone through as I have he new V5 in my name

[Richard-D]

I think it can take almost 2 months to take the initial payment depending on when in the month you start. I bet you have done everything right and will see the payment leave in due course.

[BertBert]

Richard-D said:

I think it can take almost 2 months to take the initial payment depending on when in the month you start. I bet you have done everything right and will see the payment leave in due course.

Even with the OP's back bouncing the DD payment?

[OutInTheShed]

The 'system' can be rotten with delays.
It may show the car as taxed when you apply for the DD, then some time later void that when the DD fails.

Why does your bank not allow a DD?

It sounds like an odd 'the OP is broke' situation and his bank won't honour his DD promises.

If you just pay it wit a credit card, it's paid, then you only have a two-way problem with Barclaycard, not a three-way problem between you, Swine-sea and your bank.

Most people, a direct debit just works.

[sixor8]

You pay 5% extra too setting up a direct debit.

And since when did 1/12 of a year's VED become 15% ? I make it 8.33%.

[Richard-D]

BertBert said:

Richard-D said:

I think it can take almost 2 months to take the initial payment depending on when in the month you start. I bet you have done everything right and will see the payment leave in due course.

Even with the OP's back bouncing the DD payment?

You're right, I'd missed that bit when I typed my response.

[Dog Biscuit]

No Idea why my account has disallowed the DD

Certainly not broke haha.

The email contained the following 'Your bank has told us that we cannot setup your Direct Debit as your bank or building society account does not accept Direct Debits.'

Anyway I'll wait for the system to catch up and pay in full.

[E-bmw]

Dog Biscuit said:

The email contained the following 'Your bank has told us that we cannot setup your Direct Debit as your bank or building society account does not accept Direct Debits.'

Daft question but you are using a current account not a savings account aren't you?

I only ask because IIRC many savings accounts don't allow DDs.

[Dog Biscuit]

E-bmw said:

Dog Biscuit said:

The email contained the following 'Your bank has told us that we cannot setup your Direct Debit as your bank or building society account does not accept Direct Debits.'

Daft question but you are using a current account not a savings account aren't you?

I only ask because IIRC many savings accounts don't allow DDs.

I've just checked and yeah! Doh - I'd picked the wrong account. What an asshat I am!