Taxed for another year : )

Number5 said:
Taz said:
Number5 said:
Just done mine too. £230 per year for the Alpina. Cheap compared to the //M boys, but it still hurts to pay an annual fee for a Sunday Car. :headbang:
Why cant I just pay 1/7th and only use it Sundays ? :thumbsup:
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Agree
i also think why should i have to pay fo 3 cars, i can only drive1 at once, it should be on mileage
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Thats exactly why they should scrap RFL completely and put it on the fuel. That way you pay more, the more you use the roads and also foreigners over here using our roads and Pikeys wouldnt be able to avoid it.
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No duty on red diesel :poke:
 
srhutch said:
Bing said:
Agree Steve, that's why I do it. But it is a rip off, as a DD does not cost anything. As PVR said when it was brought in, they are basically penalising the less well off who cannot afford one big hit. It's shameful :thumbsdown:
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I use a 0% credit card each year, can normally do it for 2% that way and still get the benefits of patting monthly.
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Don't you have to go through the pain of getting a new credit card each year though ? Interested in this, as my new employer doesn't do season ticket loans :roll: ... And this was suggested by a friend.
 
Annoyingly the monthly direct debit surcharge varies as a function of the base road tax rate - that makes *no* sense except for profiteering.
 
As has already been said, put it on fuel, they would actually get more money in the coffers that way. You wouldn't mind if the roads were in tip top condition but there worse than some 3rd world countries FFS
 
PerryGunn said:
Taz said:
any other payment scheme is cheaper by direct debit :?
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It's only more expensive if you pay monthly because you're spreading the cost over 12 months (in the same way that spreading the cost of your car insurance over 12 months is more expensive than a single payment), but the total cost for paying RFL over 12 months should work out less tha if you'd taken 2 x 6 month tax discs under the old system.
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Insurance is a product that you buy for a price and if you want the product now but wish to pay later in instalments there is a credit charge. RFL is a fekking tax and should cost the same whatever payment terms the government (as opposed to private company) choose to put in place.
 
Bing said:
srhutch said:
Bing said:
Agree Steve, that's why I do it. But it is a rip off, as a DD does not cost anything. As PVR said when it was brought in, they are basically penalising the less well off who cannot afford one big hit. It's shameful :thumbsdown:
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I use a 0% credit card each year, can normally do it for 2% that way and still get the benefits of patting monthly.
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Don't you have to go through the pain of getting a new credit card each year though ? Interested in this, as my new employer doesn't do season ticket loans :roll: ... And this was suggested by a friend.
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Not always, I have quite a few now and most have offers so near the time I keep them ready. Not really any hassle applying for a card online once a year.
 
GreyZed said:
PerryGunn said:
Taz said:
any other payment scheme is cheaper by direct debit :?
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It's only more expensive if you pay monthly because you're spreading the cost over 12 months (in the same way that spreading the cost of your car insurance over 12 months is more expensive than a single payment), but the total cost for paying RFL over 12 months should work out less tha if you'd taken 2 x 6 month tax discs under the old system.
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Insurance is a product that you buy for a price and if you want the product now but wish to pay later in instalments there is a credit charge. RFL is a fekking tax and should cost the same whatever payment terms the government (as opposed to private company) choose to put in place.
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Spreading payments still incurs an administrative cost and it's only right that the people who take advantage of this facility pay for it. Once setup, DD's definitely reduce the overhead but the DVLA still requires staff and equipment to administer the system and why should people who pay in full subsidise those who wish to spread their payments?

People always used to accept that taxing a car for shorter periods cost more and that 2 x 6 month RFL for, say, a Z4M cost £277.75 each giving a total of £555.50 p/a as opposed to £505 for a 12 month RFL (a 10% surcharge). Under the new system paying by DD, either by 2 (6 monthly) or 12 (monthly) payments, comes in at £530.25 (a 5% surcharge), so savings from using DD have been passed on to the owners and the surcharge for anything other than full payment has been halved.
 
Am I right in thinking utility companies reduce DD cost as there is less administration involved, they get the money requested straight away and you pay in arears. Road fund is the opposite, you pay in advance and so there is a loss of interest on that amount - so while I think it should be the same, or less, I can sort of understand it.
 
Ha the annual road tax bill that'll be, £130 for the Clio, £260 for the Mazda & £505 for the Z4. Happily my son now pays his own. :lol:

it works as a fine deterrent, because if it was less I'd have a mk1 MPS for my daily. but that's £485 so it's the sport for me. :cry:
 
Scooba_Steve said:
Am I right in thinking utility companies reduce DD cost as there is less administration involved, they get the money requested straight away and you pay in arears. Road fund is the opposite, you pay in advance and so there is a loss of interest on that amount - so while I think it should be the same, or less, I can sort of understand it.
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I don't, whatever they use the money for it would be split over the 12 months so there should be no extra cost for passing by dd. I also pay my council tax over 12 months instead of the usual 10 after my neighbour told me, and again no extra cost for doing this.
 
I've been saying it should be on fuel for years, it's just plain unfair with the current system. My two cars are £505 each to sit on the drive most of the time, and the Audi A1 we have is £30 for unlimited miles. If it was really about reducing emissions then it'd be on fuel which everyone pays for, which would actually push people to get more fuel efficient cars.
 
^ Amen! I'd even go so far as to say include 3rd party insurance too, then clamp down on fuel theft. Australia have an interesting system whereby you register you car every year (similar to taxing) and that includes 3rd party insurance.
 
Scooba_Steve said:
^ Amen! I'd even go so far as to say include 3rd party insurance too, then clamp down on fuel theft. Australia have an interesting system whereby you register you car every year (similar to taxing) and that includes 3rd party insurance.
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... for ANY driver.

Insure the car - not the driver. Besides the UK, I am not aware of any other country where the person/car combination is used rather than just the car (with no-claim discount levels determined by the main driver).
 
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