Car Finance Company - MOT

[wiggal]

Hey all,

We are just talking about this at work and I hope someone can help!

If you buy a car on finance, do they have to provide you with Road tax before you leave the garage?

We recently bought a new car and they didn't, we got it the day after as we got the car on a Sunday.

Is that dodgy for them not to provide it or is there some kind of law or rule or something if you have just bought the car?

Many thanks!!

[Davethedog]

Why would they provide the car tax?

Just because its financed by a company why are they responsible?

If you went to a bank and said lend me �5k to buy a car would you expect the bank to pay the tax?

Question has no relevance its entierly your responsibility.

[wiggal]

I didnt think they had to pay for it either!

But then surely you cant really buy a car and drive it away, from any garage, wether it a finance company or not, on a Sunday, as you wont be able to get tax till the next day and will therefore be up for a hefty fine if caught?

They were just saying the finance company we got our car from was wrong not to give us tax, which I was confused about!

[gina32]

but surely the finance company are giving YOU the money to buy the car, not buying it for you, so why should they?

[voltr4m4x]

The only exception to the answers just provided concerns a motor vehicle which may have been provided to you under the Motobility Scheme, whereby the lessee has no means of obtaining a motor tax disc on a new vehicle because the Log Book is held by Motobility Organisation, who remain the owners. In all such cases the Provider of the vehicle has the lawful duty to obtain the vehicle tax disc.

[wiggal]

So I am right in saying that a garage or finance company has no obligation to provide a tax disc to someone who buys a car and drives it away?

Just to be clear!

Ta :)

[moomintroll1]

It is standard practise to provide at least some road tax so that the purchaser can drive the vehicle away instantly.

However, I don't believe the vendor is under any obligation to sell the vehicle with tax. They may have an obligation under a contract of sale or some other document if for example, they undertake to tax the vehicle in their terms and conditions.

If the logbook is transferred into your name at the point of sale (which will almost certainly be the case), you become the keeper at that point and are therefore committing an offence by using the vehicle untaxed on a public road. That's why it's unusual to sell untaxed vehicles, especially on a Sunday when there is no Post Office open to tax it at.

It is you, however, who would be committing the offence by allowing your untaxed vehicle to be driven, and not the dealer.

[RevFunk]

Am I missing the point????

Whenever i have been involved in the purchase of a car from a garage it has been:

The car costs you 5000 pounds so give us 5080 and we'll tax it for you.

If the garage dont tax it for you then you're driving with no tax

[redcrx]

they used to do that Rev but recently (last 2 car purchases ive made) they havnt.

Perhaps its something to do with the insurance. They could tax if for you using there own but not be able to prove your insured?

[Nosha123]

May be slightly different but with leased company cars they tax them for you - I get posted a tax disc each year just before it expires.

[Hammer]

Last car I bought (about 3 years ago) there was no tax but the dealer reminded me that I should sort that out before I drove it away. So Rev, looks like things have changed.

[tufty7]

Whenever I have brought a car from a dealer , I have haggled and clinched the deal after the usual mats , mud flaps and other bits and bobs saying I tell you what , give me 6 months tax and I will have it , after humming and aaaring they will do it , thats when they ask me to give them the insurance certificate for the car so they can tax it ,

[sara3]

well I think I got the point.

surely anyone who drives a new car from a showroom will have no tax, and therefore should not be driving it.

ta daaaaaaaaaaaa!

I'd say drive really really fast ;o)