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It's the fact they you have to pay more if you pay in installments, it may be less then previous but it's still 5% - 10% more than the full payment!

 

?100 if you can afford it

?105 if you can't - not great if you're counting the pennies!

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The problem is, any why I am not really annoyed about this is imo its a form of credit that works this way across the world. If you owe something but spread the costs, it tends to come with an interest factor. Retailers, Banks do this all over, why can't the Govt?

It's a matter of perspective, if you were living at or just below, or just above the poverty line, you'd feel differently, and unfortunately, they're always the ones to feel the pinch first. So many of the youthes feel they have little or nothing to lose, so crime can escalate, along with resentment and so on, but I'm getting off topic.

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EDIT: Glad Testman seems to agree with the same theory I came up with.

Yep, although it's not a theory, it's how it really is. Right now if you pay in instalments you pay 10% extra in one calendar year. From Oct 2014 you'll pay 5% extra.

Obviously if you want to avoid paying extra, you'd pay it in one lump sum. Being poor isn't really a proper defence, you can save up yourself 12 months in advance and then pay it in one lump sum when asked.

It's the exact same with insurance, landlines and countless other things which you pay in instalments.

Quite why they charge extra for paying in instalments is another thing entirely and a different argument for another thread (I for one think it should be the same, but from a business point of view of course they want more money in the coffers at any one time so lump sum payment is far more attractive to them).

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It's the fact they you have to pay more if you pay in installments, it may be less then previous but it's still 5% - 10% more than the full payment!

 

?100 if you can afford it

?105 if you can't - not great if you're counting the pennies!

Wow, I should bow out, you're much better at diplomatic responses than I :)

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I may be missunderstanding something here but I'm not sure how they are charging more. So before this you had the option to pay car tax based on emissions etc lets say that comes to ?100. If you pay that off in one lump it's done, but if you paid it off in 6 month chunks it would have come to ?55 each month being a total of ?110 (10% more).

Under the new scheme the options would be;

Pay off in lump sum = ?100

Pay off in 6 month chunk = ?105 (5% increase for the benefit)

pay off monthly = ?105 @ ?8.75 per month (5% increase / 12)

Unless my understand of the above is wrong, it's less than it was previously? My maths is bad but I think even these sums I can work out!?  :rofl: 

 

 

The problem is, any why I am not really annoyed about this is imo its a form of credit that works this way across the world. If you owe something but spread the costs, it tends to come with an interest factor. Retailers, Banks do this all over, why can't the Govt?

 

EDIT: Glad Testman seems to agree with the same theory I came up with.

The Govt are supposed to looking after the interest of the public, help those in need not charging them more to spread the cost.

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It's the fact they you have to pay more if you pay in installments, it may be less then previous but it's still 5% - 10% more than the full payment!

 

?100 if you can afford it

?105 if you can't - not great if you're counting the pennies!

Yes obviously but it's LESS THAN NOW!

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Yes obviously but it's LESS THAN NOW!

Yes I agree with you 100%, it is less than it is currently. The point I'm making is that it should be ?100 in full or ?100 in installments, if the Government really want to help those on the bread line then don't take that extra ?5 out of their pockets!

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They recategorised the insurance groups years ago.

about 2 years ago is when I was almost priced off the road, last renewal they succeeded. It cost me my job, so they increased my insurance more as 'I am now more likely to drive my car during the day' (clean license and 9 years no claims)

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The Govt are supposed to looking after the interest of the public, help those in need not charging them more to spread the cost.

I think we are in agreement, just maybe a slight miss understanding about what we are talking about when we say less. However I would have to say that whilst it may not be the step you wanted, in the end they are coming up with ways of making it more afordable 5% drop in the price of anything is still a drop, as well as being able to spread the costs monthly rather than every 6 to 12 months. 

 

like I say, I'm not saying I agree with the statement of paying more so you can make things more affordable, but whatever way you spin this, in the end it is less than and available in an even more manageable way than it was before.

 

 

It's a matter of perspective, if you were living at or just below, or just above the poverty line, you'd feel differently, and unfortunately, they're always the ones to feel the pinch first. So many of the youthes feel they lave little or nothing to lose, so crime can escalate, along with resentment and so on, but I'm getting off topic.

 

Very true, don't think because of the company car that the cost of these things are no worries to me, I've gone from a 2 car to a 1 car family because of the costs of certain things and the cost of ?190 of Car tax for a 1.6 petrol Peugot 307 is one of those things. I'm also not asking for sympathy with that statement, I am still privilaged enough to not count myself as unfortunately for the people you were referring to.

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about 2 years ago is when I was almost priced off the road, last renewal they succeeded. It cost me my job, so they increased my insurance more as 'I am now more likely to drive my car during the day' (clean license and 9 years no claims)

That's the insurance companies for you. Apparently it's more riskier to insure you if you don't have a job. A bit of a weird explanation.

What would be better is if the insurance companies were forced to make this data available to the public out in the open, then we can see for ourselves if jobless people were really a riskier group. If they were, then fair enough, as the data is there so no one can dispute it, but it's just annoying that right now we can't verify why it is, or why people have to pay more when in certain places of the country.

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Using a computer = good

 

Offering monthly direct debits = price hikes in VED will look less severe and so can be raised more each year.

 

It's easier to say "VED is going up ?2 per month" than "?24 per year".

 

I'm surprised they aren't just offloading it onto the price of petrol so it's based on usage rather than a flat rate depending on emissions/engine size. 

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I think we are in agreement, just maybe a slight miss understanding about what we are talking about when we say less. However I would have to say that whilst it may not be the step you wanted, in the end they are coming up with ways of making it more afordable 5% drop in the price of anything is still a drop, as well as being able to spread the costs monthly rather than every 6 to 12 months.

like I say, I'm not saying I agree with the statement of paying more so you can make things more affordable, but whatever way you spin this, in the end it is less than and available in an even more manageable way than it was before.

Very true, don't think because of the company car that the cost of these things are no worries to me, I've gone from a 2 car to a 1 car family because of the costs of certain things and the cost of ?190 of Car tax for a 1.6 petrol Peugot 307 is one of those things. I'm also not asking for sympathy with that statement, I am still privilaged enough to not count myself as unfortunately for the people you were referring to.

I feel that someone needs to speak for them, I also can agree that I'm probably not the right person for this job, but as someone who's experienced this extreme, I just felt something needed to be said.

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That's the insurance companies for you. Apparently it's more riskier to insure you if you don't have a job. A bit of a weird explanation.

What would be better is if the insurance companies were forced to make this data available to the public out in the open, then we can see for ourselves if jobless people were really a riskier group. If they were, then fair enough, as the data is there so no one can dispute it, but it's just annoying that right now we can't verify why it is, or why people have to pay more when in certain places of the country.

Thank you, I was beginning to think you were the type of person who would say, it's the fault of the poor for being poor.

I'm glad to have been mistaken, a reasonable and diplomatic person can make a subject debate enjoyable (for lack of a better word)

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Using a computer = good

 

Offering monthly direct debits = price hikes in VED will look less severe and so can be raised more each year.

 

It's easier to say "VED is going up ?2 per month" than "?24 per year".

 

I'm surprised they aren't just offloading it onto the price of petrol so it's based on usage rather than a flat rate depending on emissions/engine size.

Possibly, but 1. at the end of the day it's just speculation as to the next move and the motive and 2. you can still pay in 6-months or 12-months periods if you want.

Offloading it onto petrol - petrol is already mostly tax-based anyway. At the prices it is now, no one wants it to go up by any amount.

At the moment, VED is priced in such a way to encourage people to use less-polluting vehicles. Putting it on petrol would lose that benefit.

What they've been talking about for a while is getting rid of VED entirely and making you pay for the roads that you use. But that wouldn't address the "encouraging people to use less-polluting cars" issue that they are currently using the VED pricing to do.

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They'll tax is for every breathe we take soon!

 

Makes me think about bottled water and when will they start selling bottle air. lol

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The reason there is a charge on paying monthly or paying every 6 months is there is more admin work to be done as your paying multiple times a year instead of just once a year

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The reason there is a charge on paying monthly or paying every 6 months is there is more admin work to be done as your paying multiple times a year instead of just once a year

 

We wouldn't want to over work them new servers with the new system!

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The reason there is a charge on paying monthly or paying every 6 months is there is more admin work to be done as your paying multiple times a year instead of just once a year

Actually there isn't, Direct Debit does all the legwork, that's why the energy companies offer better deals if you use it.

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Aheer.R.S., on 05 Dec 2013 - 16:01, said:

You're probably right, and I could do with going back and re readin the article.

Just annoyed as my uk insurance group 15 car is now group 22, and insurance has gone up to an extortionate amount, this just felt like adding insult to injury..

Ive had my first car for almost a year now, it really stung me. ?3000 for a Volkswagen Polo, ?1200 to insure it, then ?105 to tax it.

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Actually there isn't, Direct Debit does all the legwork, that's why the energy companies offer better deals if you use it.

Really you sure?

 

twice as many tax discs

twice as many envelopes

twice as much postage

twice the processing

 

 

Computer system to deal with twice as many queries rather then 1 person every 12 months

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Ive had my first car for almost a year now, it really stung me. ?3000 for a Volkswagen Polo, ?1200 to insure it, then ?105 to tax it.

 

get a cheaper car to run

 

Take me for example

 

 

I have a Ford Mondeo 2.2 Turbo Diesel

 

i pay less insurance than i did for my 1.6 Mitsubishi

I pay the same road tax as my dad does for his 1.6 Focus

and i get better mileage than all of the petrol cars i have bought before

 

 

Take this into account when you buy a car

 

a Polo is classed as a Hot hatch so insurance is higher

 

Mondeo classed as a family car  so cheaper insurance

 

 

 

A car is a privilege not a necessity if you cant afford one don't have one its simple

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Ive had my first car for almost a year now, it really stung me. ?3000 for a Volkswagen Polo, ?1200 to insure it, then ?105 to tax it.

Yup, and I probably would have not been so vocal had I not seen it with my own eyes.

I'm against the 'welfare state' but have been there, went from 2 jobs, a mortgage and 2 cars, to no job and everything repo'd or sold off just to make sure the kids were fed.

Although it happened a long time ago, I swore never to 'put down' those who cannot afford to live like I do, and I mean that in humility.

(Mostly the reason why I said what I did earlier)

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get a cheaper car to run

 

Take me for example

 

 

I have a Ford Mondeo 2.2 Turbo Diesel

 

i pay less insurance than i did for my 1.6 Mitsubishi

I pay the same road tax as my dad does for his 1.6 Focus

and i get better mileage than all of the petrol cars i have bought before

 

 

Take this into account when you buy a car

 

a Polo is classed as a Hot hatch so insurance is higher

 

Mondeo classed as a family car  so cheaper insurance

 

 

 

A car is a privilege not a necessity if you cant afford one don't have one its simple

Wouldn't I have been shafted for a 2.2 litre engine? I went for it because it was a tiny 3 door car with a 1.2 litre engine. It was group 4 for insurance.

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Really you sure?

 

twice as many tax discs

twice as many envelopes

twice as much postage

twice the processing

 

 

Computer system to deal with twice as many queries rather then 1 person every 12 months

Yes

 

There is no postage because there will be no tax disc

 

Payment is via direct debit, taken automatically by the banking system.

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get a cheaper car to run

 

Take me for example

 

 

I have a Ford Mondeo 2.2 Turbo Diesel

 

i pay less insurance than i did for my 1.6 Mitsubishi

I pay the same road tax as my dad does for his 1.6 Focus

and i get better mileage than all of the petrol cars i have bought before

 

 

Take this into account when you buy a car

 

a Polo is classed as a Hot hatch so insurance is higher

 

Mondeo classed as a family car  so cheaper insurance

 

 

 

A car is a privilege not a necessity if you cant afford one don't have one its simple

Ok, so what's an Omega?

To me, this is a family car as it has everything the Mondeo has, decent runabout, not too bad fuel economy even though it is a chipped, ex police vehicle (the reason I got it so cheap) great on the motorways.

 

2 Years ago I was thinking about getting rid of it for a Toyota Previa, as my mum who is disabled finds it too difficult getting in and out of a car, and the insurance for that was ?2600 for the year, no lie.

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