Santander charging for plate change

mountainofdebt

harveybobbles wrote: »

They could take a dim view of this...

then they obviously won't have got the letter I wrote informing them of the change.

harveybobbles

mountainofdebt wrote: »

then they obviously won't have got the letter I wrote informing them of the change.

But you just said you didnt tell them........................

mustrum_ridcully

Strider590 wrote: »

^^ Internet article actually, might have been the AA.... It was about "modifications" and why the insurance companies see more risk in someone who personalises their vehicle, the list included private number plates.

I think the official term is "moronifications"

Flyboy152

mountainofdebt wrote: »

Or alternatively do what I did and don't tell the finance company. (I've onlytold the DVLA and my insurance Company.)

I just have to tell them the registration number that they have on their records if ever I have to speak to them.

What will you tell them when they ask you for your V5? How will you explain your breach of the terms and conditions? When you are in front of the beak, how will you plead mitigation?

Flyboy152

Kilty wrote: »

Don't know what they could do apart from levying the £30 charge though, I don't think there's room in the agreement for anything else.

Seeing as the borrower will be in breach of the terms and conditons of the loan, they could claim fraud.

chrisfreelander54

mountainofdebt wrote: »

Or alternatively do what I did and don't tell the finance company. (I've onlytold the DVLA and my insurance Company.)

I just have to tell them the registration number that they have on their records if ever I have to speak to them.

I only told our insurance company, so how Santander found out is beyond me............

harveybobbles

chrisfreelander54 wrote: »

I only told our insurance company, so how Santander found out is beyond me............

The insurance company would have logged the plate change on the HPi database, to which finance companies also subscribe too.

split_second

harveybobbles wrote: »

Alos peoplewith private plates clearly have more money than sense, so copmpnaies take this view and charge them as such! Good on them really lol.

As for the original question - yes they can charge you. It's just one of the MANY costs involved in having a private numberplate, sadly!

erm.....ok, mine cost £245 including all fees directly from the dvla :cool:

best thing about an unusual name, most people dont even know its a private plate unless they know me

harveybobbles

split_second wrote: »

erm.....ok, mine cost £245 including all fees directly from the dvla :cool:

best thing about an unusual name, most people dont even know its a private plate unless they know me

So you paid £245 for private plate that looks like a normal one...?! Erm... ok then.

adamc260

Kilty wrote: »

Aviva charged me their standard £18 admin fee when I changed because I had to phone them to do it (online system wouldn't recognise the plate because DVLA online records do not update immediately)

No other insurer did.

They can't enforce an admin fee if you tried to do it online but it wouldn't go through... thats just because their systems are crap! I'd of asked for the fee to be waived