Purchase of used car from a dealer - refund of deposit

Flyboy152

pcombo wrote: »

Are you actually deluded or just playing along.

All you need to tax a car is MOT and Insurance documents, You dont even need the logbook.

Mot doesn't have owners name, Only insurance document which could be the purchasers or the garages traders certificate.

Not sure what cars and tax u buy.

When did that law change then? Because back in 2002, it changed to that the V5 (or the reminder, which contains the name of the registered keeper) must be present to tax the vehicle at a post office. Before then, all you had to do was fill in a V62, with the new keepers details and a V10.

Flyboy152

arcon5 wrote: »

I don't know the rules here, but I the garage will be the registered keeper of the car surely up until the sale is complete.. so with valid insurance documents can tax the vehicle as part of a sale...

I've never bought a car without the deal TAXing it first though.

But again... what about HP cars? it's not their vehicle until its paid for... how do they tax vehicles?


EDIT: ignore above question, just realised the owner and registereed keeper details can be different

The dealer is not the registered keeper. The dealer is the owner of the car and the "registration" has effectively been "suspended," whilst in the possession of the dealer.

Flyboy152

pitkin2020 wrote: »

They are the registered keeper though,

:wall:

the car has been registered to their company which their insurance policy will also be in the same name...........

The car has not been registered to the dealer. I thought you had bought loads of used cars from dealers? What was the names of the previous owners of all those cars you bought? Unless it was a pre-registered car or a demonstrator (for which I will concede that it is possible for a dealer to tax the car with their policy), it would not have been in their name.

arcon5

According to DVLA:

Tax your vehicle

To tax your vehicle you’ll need:

• a completed V11 reminder or V10 ‘Application for a tax disc'
• your registration certificate (V5C) or New Keeper section, if using a V10
• a completed V62 ‘Application for a Vehicle Registration Certificate V5C’, if you don’t have a registration certificate
• an MOT test certificate (if your car or motorcycle is over three years old)
• insurance that covers you against third party claims for death or injury and damage to property caused by using the vehicle
• the payment for vehicle tax (not needed if your vehicle is exempt from paying vehicle tax)

There is a page explaining how to get somebody to tax it for you if your abroad though.

pitkin2020

Registered may have not been the correct term but the car is signed over to the dealer (the yellow box on the V5 IIRC), it will be logged with the DVLA as "in trade", the V5 doesn't change as the car is "In trade" the dealer keeps hold of the V5 until he transfers the car to the new owner. There are only 3 states for the V5 really, an owner, in trade or disposed of. The trader who has a car in his possession is technically the keeper as the car has been signed over to his/her company so can use his/her trade policy to tax.

You state you need the V5 to tax the car, which again you don't you only need the green slip which i'm pretty sure is what they use to tax it, which is acceptable. You can only ever use the green slip once after that you need a new V5.

I'm not a car dealer and never said I am but a dealer can and does tax cars and its not a backhander to the lady behind the post office counter.

Flyboy152

pitkin2020 wrote: »

Registered may have not been the correct term but the car is signed over to the dealer (the yellow box on the V5 IIRC), it will be logged with the DVLA as "in trade", the V5 doesn't change as the car is "In trade" the dealer keeps hold of the V5 until he transfers the car to the new owner. There are only 3 states for the V5 really, an owner, in trade or disposed of. The trader who has a car in his possession is technically the keeper as the car has been signed over to his/her company so can use his/her trade policy to tax.

You state you need the V5 to take the car, which again you don't you only need the green slip!!

I'm not a car dealer and never said I am but a dealer can and does tax cars and its not a backhander to the lady behind the post office counter.

If the green slip is filled in with any details, other than the new keeper, in order to purchase a road fund licence, that is fraud.

unholyangel

Flyboy152 wrote: »

The post office or DVLA will not/should not issue a RFL unless there is an insurance certificate in force, in the name of the registered keeper or the new keeper. The trader cannot tax the car using their own insurance, as they will not be the registered or new keeper.

Not quite true. While the post office require the V5 and insurance names to match, the DVLA dont.

And i believe this may only a recent requirement at the post office (well by recent i mean maybe 4 years ago). I had to change ownership at the post office to renew my tax. But the post office told me i could also do it online without the change.

Flyboy152

unholyangel wrote: »

Not quite true. While the post office require the V5 and insurance names to match, the DVLA dont.

And i believe this may only a recent requirement at the post office (well by recent i mean maybe 4 years ago). I had to change ownership at the post office to renew my tax. But the post office told me i could also do it online without the change.

You can only apply for a RFL on-line if there is an insurance policy in force directly related to the vehicle itself, otherwise the DVLA would be unable to tell what policies relate to which vehicles. When they access the MIB database, they can only search for policies based on registration marks, not registered keepers.

Flyboy152

stevenc75 wrote: »

flyboy - every used car dealer in the country is breaking the law then according to you...

This thread is a good example of why this forum is going downhill. The op has asked for advice and now it is so off topic it's just silly. Does it really matter how the dealer taxes the car?

No, because the vast majority of dealers are law abiding and responsible. They don't commit fraud and certainly don't allow cars to roll off of forecourts without proof of insurance. This false assumption that "every dealer in the country does it," is a total fallacy. Go to any franchised dealer and suggest that they use their trader's policy to tax a used a car for a customer, you will be laughed out of the showroom. Main dealers value their franchises too dearly to put it at risk, for the sake of such a ridiculous notion.

scheming_gypsy

A quick Google shows that the most common way is that dealers will have a friendly post office who'll tax it for them.

Taxing a car isn't exactly being 'irresponsible'