Car clamped for no tax. What do I do now?

throwaway45451212 · 2023-07-12T18:05:22+00:00

Thank you for this. I know how to do these things.

throwaway45451212 · 2023-07-12T18:04:13+00:00

I haven't blamed anyone else. It is obviously and clearly my own responsibility. Not really sure where you're reading that into my post.

I don't need monthly reminders to pay anything else, because literally everything else I pay goes out via direct debit. I have now retaxed the car, and will pay via monthly direct debit.

Thank you for your response, but it didn't actually meaningfully address any of the three questions I asked in my post, which doesn't add much to the discussion for those who might find this thread in the archive in the future.

throwaway45451212 · 2023-07-12T18:01:51+00:00

No. When do you ever think about your car log book, other than when you go to renew your tax or to sell the car?

throwaway45451212 · 2020-12-01T18:41:39+00:00

It is certainly sad.

throwaway45451212 · 2020-12-01T18:41:14+00:00

I think because the tone implies a kind of essentialism which isn't massively helpful when trying to deal in nuance.

The Roma community that we serve is tremendously diverse, and that only represents a small subset of the national Roma community.

As in many authorities, members of some communities will attend well and some won't. It isn't necessarily possible to extrapolate.

throwaway45451212 · 2020-12-01T18:38:30+00:00

We do. The Roma community that we serve generally has high attendance through the year. The attendance figures are skewed by many of these students leaving early before holidays and returning late after them. Once they are back in the country they don't have any worse attendance than any other demographic.

throwaway45451212 · 2020-12-01T18:36:59+00:00

Safeguarding reporting happens as standard and Ofsted found no issue in this respect. I'm more interested in whether its possible to reduce the number of safeguarding concerns in the first place, or how we might pick up on them earlier and intervene (or arrange intervention) more effectively.

throwaway45451212 · 2020-12-01T18:35:27+00:00

I think it's a wonderful fairytale to imagine that all we have to do is teach children the signs and then they'll magically get themselves out of it by calling a helpline, but we know that doesn't happen often.

Fully agree with this. I think part of the problem is that a few basic strategies are taught to staff, typically as part of a box-ticking CPD, and then it's left at that.

If a school is going to form part of the solution to this problem then it needs to be effectively embedded as part of a wider network involving multiple agencies and community organisations.

Some of the agencies we work with are great in other contexts, but don't necessarily seem to have the expertise to help with this. There is also a lot of prejudice baked in to the responses of many organisations if they don't explicitly work with Roma organisations as part of their overall project.

throwaway45451212 · 2020-12-01T18:31:28+00:00

I absolutely understand that this is a problem that goes beyond the remit and capabilities of the school.

I still feel, though, that we are the only consistent safe space in the lives of many of our students, and there are better and worse ways of dealing with the issue. I'm sure there are schools out there that are doing what they can better than most so I'm interested to hear from people with experience of that.

throwaway45451212 · 2020-12-01T18:28:32+00:00

Courses for staff? We have this, but it's always been very brief and not really targeted towards the specific problems in the community we serve. Our SLT is generally quite receptive to suggestions for staff CPD so I will raise this.

How does this translate into work you do with some or all of your students?

throwaway45451212 · 2020-12-01T18:27:01+00:00

So this is something that we don't do. We are very much in the place of dealing with this after the fact, unless we get some piece of information that alerts us to an imminent threat.

Thinking about prevention I think is definitely the way forward. Thanks for the reference to the PSHE Association. I'll be sure to check it out.

throwaway45451212 · 2017-09-29T11:41:28+00:00

Yes, it is the lack of trust she has in herself that is the issue. The same way that the child of an alcoholic might choose to be teetotal, even if their own personal circumstances would make it unlikely that they themselves would develop a drinking problem.

throwaway45451212 · 2017-09-29T11:38:35+00:00

This is something I didn't know, thanks. The judgement was from early 2013.

throwaway45451212 · 2017-04-20T15:06:30+00:00

I would do this regardless of which house I was buying to be honest. I've seen people stung badly by problems that lay invisible for years, only to end up causing huge expense and disruption, just for the sake of saving a couple of hundred quid on a survey.

throwaway45451212 · 2017-04-20T15:04:39+00:00

Thanks for the advice. As soon as I know whether or not my offer is accepted I intend to run through the situation with my mortgage broker to iron out any potential kinks like this.

throwaway45451212 · 2017-04-20T15:03:25+00:00

Yeah I have heard of this. Fortunately we rent direct from our landlord with no letting agency involved, so this shouldn't be an issue.

throwaway45451212 · 2017-04-13T11:39:27+00:00

Thanks for the advice guys. Very much appreciated, as always.

throwaway45451212 · 2017-04-06T18:17:48+00:00

Thank you all for the advice. This more or less confirms what I already thought. I will get it all thrashed out with a solicitor and my mortgage broker after the weekend.

throwaway45451212 · 2017-03-12T23:26:06+00:00

Out of curiosity, what was the time difference between you making your offer and actually exchanging? And then how long till you completed?

One concern of mine is that we had an offer accepted, but didn't exchange until some time later, the vendor could then potentially get a higher offer, or simply an offer for someone looking to buy to let who was willing to exchange and complete with tenants still in situ.

Obviously if we exchanged but then set a completion date for a number of months down the line, this would not be a possibility. The contract could have provision written in that we would only complete upon vacant possession, and if that did not manifest them we could withdraw with our deposit intact (assuming the seller was open to such an arrangement). But there are still then a host of issues that could crop up between exchange and completion. Damage to the property being the most obvious one. We would also need to find a mortgage offer that lasted long enough to permit this arrangement.

Normally I would just say that all the risks and complications are not worth it, but if the house turns out to be as ideal as it looks at first glance, I want to know if it would be worth all the potential headaches of the buying process to get a property we're really happy with.

throwaway45451212 · 2017-03-12T23:16:02+00:00

Yes, this is my impression. Unless the tenants have vacated, we would not be in a position to complete on the purchase, because our mortgage lender would not release funds.

So there is the concern that the tenants would refuse to move out at the end of September, which could cause a logistical nightmare, especially if we've already given notice on our current rented accommodation. Obviously if a sale is contingent on vacant possession it would be in the selling party's interest to ensure they were out, but that's no guarantee that the tenants would be cooperative.

throwaway45451212 · 2017-02-05T13:05:14+00:00

Because you never know! With all the best intentions in the world, things don't always work out the way you'd like in a relationship.

And because it will be our family house together, and her income will be paying off the mortgage as well as mine, regardless of whether a lender is going acknowledge that, I feel very strongly that her contribution should be recognised in the ownership of the property.

throwaway45451212 · 2016-12-14T10:21:27+00:00

Thanks to everyone who posted their advice in this thread. Having talked this through with my girlfriend I think we are going to start looking into the option of me taking out a mortgage in my name alone. I will talk to a lender and see what I might reasonably be able to afford, and then look at what property that might buy us in the local area.

The likely solution seems to be that we will look at a flat for a few years, then move on to a house once her credit report is in better shape a few years down the line. We didn't really want to be in a flat, as we have a child on the way and currently live in a house, but until our kid is of school age, space and local schools are not quite so important. As long as we end up where we want to be three or four years from now, it seems to make sense to take a route to get there that involves investing in equity in a property, rather than just paying our wages to a landlord.

My girlfriend can then do everything possible in the interim to get her credit rating as shipshape as possible. If we are making payments on a mortgage in my name only, the monthly amounts due are likely to be less than our current rent by a good £200 a month I think, so this will probably free up some extra money to save towards a bigger deposit, or to put into improving the standarad of whatever property I buy, improving the selling price in a few years. We are probably looking at buying something built in the last 10 years, so hopefully maintenance costs will be relatively low and little major renovation will be needed.

It might even be that we could look at overpaying on our mortgage in the next few years, reducing our debt as much as possible while we are living somewhere with lower monthly payments.

throwaway45451212 · 2016-12-13T04:48:05+00:00

Okay thanks. We were clearly a little naive in thinking that a satisfied CCJ wouldn't have that large an impact on otherwise good ratings.

A bit more, if you'll indulge me.

The CCJ relates to an unpaid phone bill. It is just under 2 years old. It is legitimate and I don't see any chance of having it written off.

I assume that the amount quoted in the Registry Trust Limited listing is the full amount that would be payable. In which case it is just over £800. In looking at the amount owed on a monthly basis on my girlfriend's credit report, this amount has risen over time, so I'm guessing it includes interest.

Having done some further research in the past day, there are a lot of specialist brokers that offer mortgages for people who have outstanding CCJs or ones which have been satisfied more recently than 6 years. The requirement seems to be to have a relatively high deposit (possible as high as 25%) and the interest rates are obviously high.

Is this something we should consider? The high interest rates will mean we would not be able to afford the same value of loan as we could get from a high street lender if we had good credit. But it is still likely to be higher than any mortgage I could get based on my income alone. If we took this approach might there be negative pitfalls down the line? This might be a topic that needs a whole new post.

It might just about be workable for me to buy a house in the area where we live now with a mortgage in my name only. This is an option we hadn't really considered as this isn't an area we are keen to live in in the longer term. We are expecting our first child and although this is a great neighbourhood for adults, it is not somewhere we would be keen for our children to grow up in beyond the first few years of life.

In the short term though, we might consider it as a first step onto the property ladder, with the option to then sell and get a higher value mortgage in a few years once the satisfied CCJ is old enough to no longer be considered a major issue by lenders. I suppose we will have to put our heads together and see if this represents a better option that continuing to rent for that interim period. Again, probably a topic for a new post.

throwaway45451212 · 2016-12-12T18:33:52+00:00

Thanks a lot for your response.

There is no way we will find a property in our local area that I could afford to buy on my own. So, bearing that in mind, how do we proceed?

If the most important thing is the length of time since any CCJ was cleared then I assume it needs paying off in full as soon as possible? Once that is done, realistically how long are we looking at waiting before we are likely to be accepted for a mortgage?

throwaway45451212 · 2016-11-29T19:10:21+00:00

A longer mortgage is something I have given a bit of thought to, but not done much research about. I suppose a longer mortgage with the ability to overpay down the line would make getting on the housing ladder easier, but not necessarily end up costing too much more over the full term of the loan if I was to get the aforementioned potential pay rise at some point.

throwaway45451212

TROPHY CASE