Lease car untaxed

sheramber

hoggypne75 said:

I took out a private lease on a car on March 2023. As with all lease deals the finance firm remains the owner of the vehicle and it is therefore their responsibility to tax the car.
I have just found out that they have failed to do this and this means I have been driving a car that is also uninsured.
Will this be grounds for me to cancel the lease agreement?

Do you want rid of the car for some reason?

Car_54

Stateofart said:

A lot of the

ou are the registered keeper then its your duty to pay the road tax... there is no registered owners, the DVLA has no idea who owns any car in the land other than its own hence why it has to be the RK that they chase.

It's not with some lease cars.  The least company pay the tax as part of the deal, if they don't, it's really their issue to sort.

Not entirely - the OP has an issue as he's guilty of using an untaxed car.

But as he seems to have been getting away with it for a year, I suspect it really is taxed.

LightFlare

Easy enough to check:

https://vehicleenquiry.service.gov.uk/?_ga=2.4360243.124110758.1708446699-202191699.1707898275

DullGreyGuy

Car_54 said:

Stateofart said:

A lot of the

ou are the registered keeper then its your duty to pay the road tax... there is no registered owners, the DVLA has no idea who owns any car in the land other than its own hence why it has to be the RK that they chase.

It's not with some lease cars.  The least company pay the tax as part of the deal, if they don't, it's really their issue to sort.

Not entirely - the OP has an issue as he's guilty of using an untaxed car.

But as he seems to have been getting away with it for a year, I suspect it really is taxed.

Registered keeper is required to tax a vehicle... what offence would the OP have committed if the lease company is the registered keeper as they imply they are? Can't see any endorsement codes that would apply to a driver of an untaxed car. 

Jumblebumble

LightFlare said:

hoggypne75 said:

Registered keeper and owner are different in terms of a leased car. The finance firm is the registered owner of the car with the person leasing the car being the registered keeper.

I think the point being made is that there is no such term - it's just Owner

I think you will find that the lease Company are usually both the registered keeper and owner of lease cars as they don't particularly want people to take out logbook loans on their cars.

Unless you mean the lease company is the person leasing the car to an end user in which case you are partially correct if a finance company owns the car

Car_54

DullGreyGuy said:

Car_54 said:

Stateofart said:

A lot of the

ou are the registered keeper then its your duty to pay the road tax... there is no registered owners, the DVLA has no idea who owns any car in the land other than its own hence why it has to be the RK that they chase.

It's not with some lease cars.  The least company pay the tax as part of the deal, if they don't, it's really their issue to sort.

Not entirely - the OP has an issue as he's guilty of using an untaxed car.

But as he seems to have been getting away with it for a year, I suspect it really is taxed.

Registered keeper is required to tax a vehicle... what offence would the OP have committed if the lease company is the registered keeper as they imply they are? Can't see any endorsement codes that would apply to a driver of an untaxed car. 

Vehicle Excise and Registration Act 1994, Section 29(1): "If a person uses, or keeps, a vehicle which is unlicensed he is guilty of an offence".

The lease company is keeping, and the OP i(or anyone else who may drive it) is using. Using includes parking on the road.

You can't find a code because there isn't one - it's not an endorsable offence. It's usually dealt with by the DVLA with the offer of an out-of-court settlement.

LightFlare

Jumblebumble said:

LightFlare said:

hoggypne75 said:

Registered keeper and owner are different in terms of a leased car. The finance firm is the registered owner of the car with the person leasing the car being the registered keeper.

I think the point being made is that there is no such term - it's just Owner

I think you will find that the lease Company are usually both the registered keeper and owner of lease cars as they don't particularly want people to take out logbook loans on their cars.

Unless you mean the lease company is the person leasing the car to an end user in which case you are partially correct if a finance company owns the car

I was trying to reiterate what other posters had stated, that there is no such thing as a registered owner

flashg67

DullGreyGuy said:

Sounds like maybe you were the author of your own misfortune if you have transferred the RK to yourself?

Unlikely to happen in my experience - the lease company retains the V5c, not the lessee. Maybe the finance company was taken over or changed name.  Can't see this is a reason to terminate the lease - apart from the hassle sorting it, the OP hasn't suffered a quantifiable loss that I can see?

born_again

hoggypne75 said:

My contract states that the cost of the car tax makes up part of the monthly payments. It is clearly listed as all inclusive of delivery, warranty breakdown cover and road tax.
The finance firm have admitted it has not been taxed as the registered owner of the car was changed last April without their knowledge.
If a car is not taxed then the insurance will be invalid as the insurance company may refuse to pay out on a claim.

So how have you ended up with a car that belongs to a finance co & have a contract to boot?
That they have no idea how registered owner keeper was changed?

Exactly what type of finance is this?

hoggypne75

The loss is that the monthly payments that have been made since the start of the lease will include a fee that goes towards the cost of the road tax. I cannot tax the car as some people suggest as a lease car belongs to the finance company not the individual. There is nothing wrong with the car I was simply enquiring as to whether they have not fufilled their part and subsequently meant a breach of contract. Maybe don't comment if you aren't sure how a personal lease deal works??