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Posted

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!

 

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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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Posted

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!

 

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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

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Posted

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!

 

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Posted

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

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Posted

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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Posted

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

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Posted

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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Posted

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

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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

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Posted

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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Posted

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

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Posted

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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Posted

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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Posted

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.

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Posted

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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Posted

Ive had my first car for almost a year now, it really stung me.

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Posted

Ive had my first car for almost a year now, it really stung me.

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Posted

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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Posted

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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Posted

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

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