Jump to content


  • Tweets

  • Posts

    • Hello, welcome to CAG. Can you tell us more about what happened please? Who stopped you and which shop? Best, HB
    • You don't mention what the debts are, which is important, as it really depends on the details in deciding best course of action. So list types of debt e.g credit card, type of loan, utility bill; current owner bank or dca; approximate amount for each debt.  And do you own any property assets. There is no blanket advice regarding all types of debts. Whoever you contact regarding debt advice would want to know all of the information. The debt buying businesses deal with multi billions worth of debts. They can't issue Court claims for most debts as the cost of pursuing would be ruinous and don't have staff resources. Instead they rely on credit records being impacted and therefore people need to resolve the debts. And they rely on anxious debtors paying amounts after receiving threatening communications. If you know you are likely to be made redundant, start looking for other employment soon. Due to longer recruitment processes being followed by employers, it can take about 3 months between applying and starting a new job.
    • Hi I was caught shoplifting 4 items £20 worth, I’m petrified the Police will come to my house now please can you help. What can I do I worried about my job. 
    • I heard nothing more from J&P but have now had an email from the bank saying they have instructed IDR to act on their behalf?  so are they just passing it back? Selling it on again? I don’t know if this is a good or bad thing 
    • I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Car tax discs to be abolished


Michael Browne
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3652 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Paper tax discs will be replaced with electronic system from October 2014, with monthly direct debit option for 5%

 

The tricky task of trying to remove the circular car tax disc from its perforations will soon be a thing of the past, as the government moves to a paperless system.

 

After the best part of a century, paper tax discs are to be replaced with an electronic system, allowing motorists to pay for their vehicle excise duty by monthly direct debit.

 

It will allow drivers to spread payments, although at a cost of an additional 5%, and save businesses an estimated £7m a year in administration costs.

 

The changes will form part of the finance bill next year, and are expected to come into effect from October 2014.

 

Drivers who are not online will be able to tax their car in person at a post office or by phone.

 

 

http://www.theguardian.com/business/2013/dec/05/car-tax-discs-abolished-paper-electronic

Link to post
Share on other sites

Not so sure this is a good idea, not having anything on display to prove the legality of a vehicle being on the road. I think it will give an opportunity for more drivers not to bother to tax their cars which, in turn, means the possibility of them not being insured either.

 

There are those among us who lie to see whether a car is taxed or not. If we can see that a disc is significantly out of date, it follows that the car is probably uninsured as well. This is useful to know if you are unlucky enough to be involved in an accident where you can visibly check for yourself if the other driver is driving legitimately. Without anything on the screen at all, this is going to be difficult.

 

Link to post
Share on other sites

I hope that they take the collection of the electronic tax disc away form the DVLA. No doubt they will need to set up a whole new company/government department to collect the money! And why are they charging 5% extra to pay by monthly instalments?

Link to post
Share on other sites

I hope that they take the collection of the electronic tax disc away form the DVLA. No doubt they will need to set up a whole new company/government department to collect the money! And why are they charging 5% extra to pay by monthly instalments?

 

Capita!! The kings of cock ups.

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

So I assume they have taken into account that all local authorities with traffic wardens needing to either update or buy new systems to be compatible with this new system will get government money to do this, or will it be the council tax payer paying for it.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

  • 2 weeks later...
And if the computer decides to have a crash and data is lost, who will be liable? Surely this will lead to more number plates being cloned?

 

 

I would say yes it would and after having my car cloned back in 2008/9 it can cause a load of problems I had to prove that I was not in Wales but in Scotland when I got a ticket for speeding in Wales.

 

 

dpick

Link to post
Share on other sites

ha-ha!. Jobs for Eton,Harrow and The Cheltenham Ladies School leavers!!.........

 

 

 

I hope that they take the collection of the electronic tax disc away form the DVLA. No doubt they will need to set up a whole new company/government department to collect the money! And why are they charging 5% extra to pay by monthly instalments?

Edited by macmanbr1
wrong quote
Link to post
Share on other sites

Most "official" checks are done electronically now anyway (such as when the police pull you over), so the paper disc is an ancient system long since due for abolition. Of course the DVLA will need to invent another fine system to replace the "failure to display" one that they get decent funds from at the moment. :)

Link to post
Share on other sites

I got my mot today and apparently the certificate is to be scrapped too. I struggle to remember when this is due now so how much harder will it be without a paper certificate, especially for those who don't use the internet, assuming it will be checked online.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Maybe I'm wrong about that but I agree not everyone can use it - including my OH!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

As said before , most things are checked automatically (a.n.p.r. to name but one) .The cars reg plate is old fashioned too , the only real way to check a cars I.D. is the chassis # (assuming it's not a cut & shut) I think cars of the future will have an 'electronic fingerprint' which will be scanned like a.n.p.r. is and all of the duties (road tax / mot / insurance will show up as paid or not), but as this is all electronics based it's open to equipment failure or hacking and too much info is available . Paying road tax via fuel purchase duty has been done a for a long time abroad , 'pay as you go' -the more you drive the more you pay ,and the less you drive the less you pay - the fairest way?, most people pay for water / gas / electric that way .Payments via the internet is the prefered method for most things these days as it is electronically recorded, so pretty much all of us a going to be bludgeoned into using the web at some point in our lives , either directly or by getting someone else to push the buttons - thats progress I guess ?

Link to post
Share on other sites

As Surfer mentioned above, it is an open invitation to clone plates/vehicles - and hope the vehicle being imitated was fully legal to avoid a "stop".

What an irony that would be!!

 

As far as I know, there is nothing illegal in painting out any visible VIN number behind the windscreen, which is presumably what parking CEOs will record in place of tax disc numbers.

Link to post
Share on other sites

  • 3 weeks later...
Most "official" checks are done electronically now anyway (such as when the police pull you over), so the paper disc is an ancient system long since due for abolition. Of course the DVLA will need to invent another fine system to replace the "failure to display" one that they get decent funds from at the moment. :)

 

Personally I think the Police will be unhappy about this. One of the first things they do (that can't be done a computer) is check the number plate matches what is written on the tax disc.

 

Plate cloners rarely change the tax disc to match plates...

Link to post
Share on other sites

How will this effect diabled drivers who currently get their car tax free

 

At present bailiffs are not allowed to clamp a car displaying a "Disabled" road tax, so if the cannot see it, they will clamp the disabled person's car as most bailiffs do not check the reg details of a vehicle before clamping.

Link to post
Share on other sites

My question related to how will they be exempt from duty as they are at present when the duty is collected via the pump

 

It won't be collected via the pump (although IMHO it should be). It will still be paid as usual, or even monthly, but there won't be a disc.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

If they abolish tax discs they should also abolish registration documents at the same time. Once you can complete your registration document online you will be able to transfer it on line also.

 

 

How will the DVLA make money then - there will be nobody being 'fined' by DVLA for not taxing their cars, there will be nobody to fine for not notifying them of a change of keeper.

 

 

I also see that they are doing away with the paper part of the driving licence and all driving convictions, etc will be held on line! Will there be a system of appeals for when the DVLA get the information wrong and you want it corrected? That's probably how the DVLA will make their money, charging people to correct their mistakes!

Link to post
Share on other sites

  • 4 months later...

This is the daftest idea that I have heard of in ages. For example the law requiring one to produce ones log book (V5) and driving licence when having number plates made, only applies in England and Wales. (Not Scotland, Ireland or the IOM)

 

All that cheats and rogues need to do is note down the registration numbers of vehicles that are the same make, model and colour as their own and clone it. Of course they won't know whether the one that they are planning to clone is actually legitimate.

 

In the 1970s I heard third hand about a rough traveller type of character who allegedly never ever paid for tax, insurance or MOTs. Allegedly he would only buy cars that they made millions and millions of, red Ford Escorts for example. Allegedly he would use the other persons number for about a month and then migrate to another number. As to the tax disc or the absence of it, presumably the other person would get the fine for "failing to display". Most unsavoury.

 

I fear that a whole can of worms is about to be opened and what about foreign travel? I really cannot see the French or the Spanish taking kindly to Englishmen who drive without a tax disc as basically the tax disc is proof that the vehicle is insured. Perhaps the DVLA will now be telling the hard pressed motorist to get an insurance vignette from his insurers? If so it will just be a case of replacing one type of disc with another! SNAFU!

Edited by grumpy101
extras
Link to post
Share on other sites

As Surfer mentioned above, it is an open invitation to clone plates/vehicles - and hope the vehicle being imitated was fully legal to avoid a "stop".

What an irony that would be!!

 

As far as I know, there is nothing illegal in painting out any visible VIN number behind the windscreen, which is presumably what parking CEOs will record in place of tax disc numbers.

 

The VIN behind the windscreen is the way in for gangs to steal your car. (1) They can write down the VIN. (2) They can write down the registration, the make, model and colour. (3) They then pretend to be a car parking company and they send off to DVLA for the car owners details claiming that he owes them a parking fine.

 

Once a dossier has been built up the gang relays all the information to accomplices overseas. The "chauffeur" who has "lost the keys" gets a duplicate set made and these are then airmailed to the gang in London. The car is then stolen. The chances of this happening to a twenty year old Peugeot 405 are infinitesimally small but if one owns a £50,000 plus car the risks are very real. Allegedly the DVLA has tightened up the rules on giving out information but all the gang needs is a mate who works for a genuine car parking company. A letter left inside the car will also give away the owners name and address. Take care!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...