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  • FIRST POST
    • WorriedBea
    • By WorriedBea 19th Mar 17, 8:13 AM
    • 7Posts
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    WorriedBea
    In desperate need of advise re: no tax.
    • #1
    • 19th Mar 17, 8:13 AM
    In desperate need of advise re: no tax. 19th Mar 17 at 8:13 AM
    So this is going to sound terrible and it is. Basically my partner has been driving, completely unaware, for over a year with no tax or insurance. He drives more than 40 miles a day. He is very unorganised and I deal with everything but I didn't even think about his car stuff. It's been a whirlwind year with a change in his job, a new baby and myself being in hospital for a time ( I realise this is no excuse). I had to renew my insurance yesterday which made me think about his. We checked and he hasn't been insured for over a year! He just assumed it would automatically renew. We then attempted to insure his car only to discover that his tax expired over a year ago too (we bought a years worth last night). However, it gets worse as it turns out the car is not even registered at our current address, therefore we havent recieved any reminders or fines, I also realise that this possibly comes with a fine too. So basically how much trouble is he in? I'm so scared, with this adding to additional debt he's talking about suicide. Where do we go from here?

    Update: the car is now taxed but when we paid for the insurance they called us and said they wouldn't do it because the car was untaxed for so long. We've tried another one and they've said that he is provisionally covered but they will call within 6 days to confirm his details.. not sure if that means they're going to cancel too? We've sent off the log book and we are off to the post office first thing to sort his license out. Have checked his license and it says it's full with no points, so I guess that's a good thing? Will look into fines when they send the license back. Really worried about the insurance as he needs his car for work, any tips on that? Thank you for all your help.
    Last edited by WorriedBea; 19-03-2017 at 6:18 PM. Reason: Update
Page 1
    • docmatt
    • By docmatt 19th Mar 17, 8:31 AM
    • 697 Posts
    • 330 Thanks
    docmatt
    • #2
    • 19th Mar 17, 8:31 AM
    • #2
    • 19th Mar 17, 8:31 AM
    We've all gone without tax and no insurance at some point. Mostly tax. The best thing to do is insure the car in the new address so for now you are all legal. Then you need to send the log book to dvla with the new address details and put the correct day you moved, don't lie and put today's date.

    Once the new address is on the system you may get any letters/fines etc being forwarded to the new address and then deal with it from there.

    There is a slim possibility by fluke that the car didn't pass any ANPR cameras and you might not get anything come through the post. I've got 5 work vans and we used one of them for 7 months without insurance, it was a massive clerical error cause we swapped the works number plates around... long story but we got away with it.

    We all make mistakes so don't beat yourself up about it. Just deal with it, contemplating suicide cause you've had no insurance is a little harsh, there are people with far far more worries and debt that you are in.

    For now don't worry, as long as you are legal right now that's the main thing, see what comes through the post in the coming month or so.

    Best of luck.
    • spiro
    • By spiro 19th Mar 17, 8:32 AM
    • 5,727 Posts
    • 2,743 Thanks
    spiro
    • #3
    • 19th Mar 17, 8:32 AM
    • #3
    • 19th Mar 17, 8:32 AM
    You need to start by getting by getting address for car updated and also driving licence if that is wrong as well.
    If you can I would park the car off the road until it is insured and taxed. What about MoT?
    Get the car insured and tax asap. Once you have tax ideally paying by DD so you don't forget again, phone the DVLA and explain you forgot to pay the tax and ask how much you owe for the 'missed' period. Again pay this immediately. I did this when I missed a couple of months and there was no further action BUT I wasn't caught on a camera which would have resulted in a fine.
    IT Consultant in the utilities industry specialising in the retail electricity market.

    4 Credit Card and 1 Loan PPI claims settled for £26k, 1 rejected (Opus).
    • rich13348
    • By rich13348 19th Mar 17, 8:33 AM
    • 721 Posts
    • 392 Thanks
    rich13348
    • #4
    • 19th Mar 17, 8:33 AM
    • #4
    • 19th Mar 17, 8:33 AM
    There is a very good chance that as it is over a year you have been sent reminders and final demands and the amount will now be with debt collectors. As for no insurance this is a crime and its a wonder he has not been stopped by the police in the year he has been driving uninsured.

    You have now rectified the situation so that's good. But you need to get in front of this. Go and get any mail the previous occupant has with your or your partners name on it asap. And set up mail redirect immediately.

    If you and your partner are in severe debt, speak to debt specialists like stepchange or nation debt helpline. They can help to manage your debt and maybe organise for the interest to be stopped on your debt you have now and organise a payment plan where you pay one amount and it is spread to all your creditors.

    Another thing that they may advise you of if your debt suitably high enough is an IVA or individual voluntary agreement. This can affect your credit score for 6 years so not something to be taken lightly if you have a mortgage.

    If he is truly suicidal then make him an appointment with your GP and get him some help as well.

    The main thing is to get in front of the debt and deal with it and deal with the tax stuff asap and get a payment plan set up with them and be proactive with other debts.
    • Hasbeen
    • By Hasbeen 19th Mar 17, 8:40 AM
    • 846 Posts
    • 608 Thanks
    Hasbeen
    • #5
    • 19th Mar 17, 8:40 AM
    • #5
    • 19th Mar 17, 8:40 AM
    So this is going to sound terrible and it is. Basically my partner has been driving, completely unaware, for over a year with no tax or insurance. He drives more than 40 miles a day. He is very unorganised and I deal with everything but I didn't even think about his car stuff. It's been a whirlwind year with a change in his job, a new baby and myself being in hospital for a time ( I realise this is no excuse). I had to renew my insurance yesterday which made me think about his. We checked and he hasn't been insured for over a year! He just assumed it would automatically renew. We then attempted to insure his car only to discover that his tax expired over a year ago too (we bought a years worth last night). However, it gets worse as it turns out the car is not even registered at our current address, therefore we havent recieved any reminders or fines, I also realise that this possibly comes with a fine too. So basically how much trouble is he in? I'm so scared, with this adding to additional debt he's talking about suicide. Where do we go from here?
    Originally posted by WorriedBea
    Has he contacted previous address for any documents letters sent?

    Some info link below for tax and then scroll down for insurance.

    http://www.drivingtesttips.biz/driving-without-tax.html

    Basically to court up to £1000 fines plus court costs etc etc per offence

    Does he have an MOT? or did he forget that as well??
    • docmatt
    • By docmatt 19th Mar 17, 8:42 AM
    • 697 Posts
    • 330 Thanks
    docmatt
    • #6
    • 19th Mar 17, 8:42 AM
    • #6
    • 19th Mar 17, 8:42 AM
    Are you sure he has had no insurance? Maybe it renewed with a different insurance company that you've forgotten about? Just seems unlikely that he was never ever stopped by the police.
    • WorriedBea
    • By WorriedBea 19th Mar 17, 8:45 AM
    • 7 Posts
    • 0 Thanks
    WorriedBea
    • #7
    • 19th Mar 17, 8:45 AM
    • #7
    • 19th Mar 17, 8:45 AM
    What is the fine that comes when you pass one of the tax checking camera's. Is it unlimited? Could he have been caught out every time he's driven to work? Could there be thousands and thousands of pounds worth of fines waiting for us?
    • WorriedBea
    • By WorriedBea 19th Mar 17, 8:51 AM
    • 7 Posts
    • 0 Thanks
    WorriedBea
    • #8
    • 19th Mar 17, 8:51 AM
    • #8
    • 19th Mar 17, 8:51 AM
    Are you sure he has had no insurance? Maybe it renewed with a different insurance company that you've forgotten about? Just seems unlikely that he was never ever stopped by the police.
    Originally posted by docmatt
    Is there a way to find out? I couldn't find anything in his emails or paperwork. I also checked his bank account to see if any large payments went put around the right time.
    • Hasbeen
    • By Hasbeen 19th Mar 17, 8:53 AM
    • 846 Posts
    • 608 Thanks
    Hasbeen
    • #9
    • 19th Mar 17, 8:53 AM
    • #9
    • 19th Mar 17, 8:53 AM
    Is there a way to find out? I couldn't find anything in his emails or paperwork. I also checked his bank account to see if any large payments went put around the right time.
    Originally posted by WorriedBea
    Check insurance here

    https://ownvehicle.askmid.com/

    Check MOT here

    https://www.gov.uk/check-mot-status
    Last edited by Hasbeen; 19-03-2017 at 8:56 AM.
    • WorriedBea
    • By WorriedBea 19th Mar 17, 9:01 AM
    • 7 Posts
    • 0 Thanks
    WorriedBea
    Yeah definitely no insurance, MOT is done, we did miss that too but he sorted that a few months ago. Why that didn't trigger in his mind that he needs to sort his insurance and tax I will never know...
    • Mr.Generous
    • By Mr.Generous 19th Mar 17, 9:14 AM
    • 1,438 Posts
    • 2,023 Thanks
    Mr.Generous
    Can you set email reminders so it never happens again? I have driven without road tax on a small motorbike as a poor student deliberately and as a motorist through my own forgetfulness. Most have done something similar at one time or another. I think a court would have some sympathy as you have come forward when you realised rather than waiting until you were caught. Worse things happen and I'm sure it will all get sorted out, try not to worry too much. I went about 3 months over and I was worried, like other poster above I got away with it. Not worth the worry to do it deliberately, I don't know why people risk it now. When I was a young'un the fine was double the duty missed. On a motorcycle up to 100cc the tax for a year was £6. The tank took £2 of fuel if that puts things into perspective.
    • iolanthe07
    • By iolanthe07 19th Mar 17, 9:54 AM
    • 4,770 Posts
    • 4,526 Thanks
    iolanthe07
    We've all gone without tax and no insurance at some point. Mostly tax.

    No we haven't. I have been driving for more than 53 years, and I have never done this. Just saying.
    I used to think that good grammar is important, but now I know that good wine is importanter.
    • vikingaero
    • By vikingaero 19th Mar 17, 9:58 AM
    • 10,228 Posts
    • 12,888 Thanks
    vikingaero
    Several years ago we changed fleet policies and despite constantly badgering the broker and insurer none of the vehicles ever appeared on the MID database. These were lorries and vans and reps covering 100k+ a year past numerous ANPR camera.
    The man without a signature.
    • Shaka_Zulu
    • By Shaka_Zulu 19th Mar 17, 10:00 AM
    • 482 Posts
    • 1,028 Thanks
    Shaka_Zulu
    Get it insured NOW, you can do that online and at least the worst offence is dealt with and with luck (a lot of luck) won't bite you.
    Isikhathi sokuba ngesigezo imikhonto
    • Apodemus
    • By Apodemus 19th Mar 17, 10:28 AM
    • 574 Posts
    • 407 Thanks
    Apodemus
    We've all gone without tax and no insurance at some point. Mostly tax.

    No we haven't. I have been driving for more than 53 years, and I have never done this. Just saying.
    Originally posted by iolanthe07
    Not always the driver/owner's fault. When my insurance came in with an extra charge for Green Flag, I phoned up and cancelled the Green Flag element. By mistake (and the company eventually reviewed the phone call and agreed with me) they cancelled my whole policy. Took a while to sort out, but I was holding what I assumed was a valid insurance certificate, yet for a cancelled policy.
    • pinkshoes
    • By pinkshoes 19th Mar 17, 10:49 AM
    • 14,853 Posts
    • 20,059 Thanks
    pinkshoes
    It is now taxed, so that is fine. Get it insured immediately and change the address over on the log book and driving license.

    As for a fine? If he has driven past an ANPR camera with no tax, then chances are there will be a fine. It will have been sent to the registered address though...

    He needs to visit or write to the occupants of this address asking if there is any post, and perhaps it might be worthwhile checking his credit rating to see if there is any CCJ against him?!

    Are you sure this person is safe to be in charge of a baby???
    Should've = Should HAVE (not 'of')
    Would've = Would HAVE (not 'of')

    No, I am not perfect, but yes I do judge people on their use of basic English language. If you didn't know the above, then learn it! (If English is your second language, then you are forgiven!)
    • Tarambor
    • By Tarambor 19th Mar 17, 10:59 AM
    • 517 Posts
    • 330 Thanks
    Tarambor
    What is the fine that comes when you pass one of the tax checking camera's. Is it unlimited? Could he have been caught out every time he's driven to work? Could there be thousands and thousands of pounds worth of fines waiting for us?
    Originally posted by WorriedBea
    Each individual offence has a limit on the amount however as you quite rightly suppose, technically he can be caught out every day he has driven to work. You wouldn't receive a pile of individual fines for the tax rather one fine with a large bill for unpaid tax.
    • waamo
    • By waamo 19th Mar 17, 12:21 PM
    • 1,078 Posts
    • 1,077 Thanks
    waamo
    I would check to see if he has been banned but doesn't know about it.

    No insurance can carry 6 points. If he has been summonsed at an old address he may have accrued points.

    Check here
    https://www.gov.uk/view-driving-licence
    This space for hire.
    • docmatt
    • By docmatt 19th Mar 17, 3:43 PM
    • 697 Posts
    • 330 Thanks
    docmatt
    We've all gone without tax and no insurance at some point. Mostly tax.

    I have been driving for more than 53 years, and I have never done this.
    Originally posted by iolanthe07
    Ooh aren't you good.
    • facade
    • By facade 19th Mar 17, 4:22 PM
    • 2,595 Posts
    • 1,334 Thanks
    facade
    I would check to see if he has been banned but doesn't know about it.

    No insurance can carry 6 points. If he has been summonsed at an old address he may have accrued points.

    Check here
    https://www.gov.uk/view-driving-licence
    Originally posted by waamo

    Unlikely this has happened, as they don't know that he was driving the car with no insurance, as he was never stopped and ticketed. The car could have been driven by some one with "driving other vehicles" cover.

    Most likely, there is a fine for breaching continuous insurance regulations to the registered keeper which is £100 and no endorsement.
    There will also be a fine for no tax, and a penalty of the missing tax.
    Both of these are generated automatically by "The Computer" on a time related basis.

    These may have gone to court now as they would have been ignored, and may be in the hands of court appointed debt recovery.

    Still a good idea to check, as a speeding ticket ignored can also land you with 6 points for failing to name the driver.

    You can however, apply to have the fines and points reset and taken back to court if you were totally unaware of them.

    Try taking this to pepipoo dot com for some advice on how to find out what has happened, and what to do about it.
    Last edited by facade; 19-03-2017 at 4:25 PM.
    I want to go back to The Olden Days, when every single thing that I can think of was better.....

    (except air quality and Medical Science )
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