Surrounded by idiots

[Justin Passing]

This thread is not about the ULEZ, FFS.

Car tax

"Frequently Asked Questions​

How quickly must I notify the DVLA about the death?
The DVLA should be notified within five working days of the death, even if you haven’t finalised the transfer arrangements. You can make an initial notification by phone or email while gathering the required documentation.

What happens to vehicle tax after death?
Vehicle tax is automatically cancelled when the DVLA processes the change in keepership. Any full remaining months are refunded to the deceased’s estate, and the new keeper must arrange tax before using the vehicle.

Can I drive the car while waiting for the transfer to complete?
You can drive the vehicle if you’re named in the will or are the next of kin, provided you have appropriate insurance coverage and the tax for the vehicle has been arranged."

 

[morqthana]

off topic deleted

Off topic posts deleted

 

[Justin Passing]

No, you made it so, he only added one adjective. YOU are the troll.

Insurance isn't cancelled, no. I was a named driver on her insurance, so still ok to drive the car, but it lost its tax when the DVLC knew of the Change of Ownership, which I already wrote. The ownership passes instantly to the next of kin or other beneficiary, which is actually identified later by probate.
That is the way it is.

 

[morqthana]

Insurance isn't cancelled, no. I was a named driver on her insurance,

I wonder what the situation is if there are no other named drivers - the only insured person was the one who has died.

Can a dead person hold an insurance policy?

 

[Vinty]

Late wife's accounts have passed to me, mostly. (A couple of banks want a certified copy of my birth cert, marriage cert, death cert, even though I've had accounts with them for decades. Too busy for those.)
HSBC did the transfers no problem, I thought.
HMRC sent me a cheque, as she'd overpaid, with a one-side statement of how they got the number.
So far, found two mistakes on it.
A couple or four years ago they said she didn't need to fill in a self-declaration.
But they make numbers up, and assume.
They assumed she still had interest, at the same rate, from a fixed-rate account she closed 2 years ago.
And they want to tax dividends which came from shares which were moved into an ISA.

It took half hour calls to HSBC and First Direct which HSBC owns, to track things down.
HSBC "found" another account she had, untouched for several years, I had no idea about. Sheezus. So when I was on to First Direct, I asked them if they could do a search as well. " Oh. they'd all appear on the record. But I can check if you really want me to. They laughed about the one HSBC had "lost".
They found an old account as well. !*&%$!

So later, I'm logged on to HMRC to do my own tax form, late as usual, but I have a few days. It's always a bit of a mission, I'm complicated.

It appears I won't have to pay any tax whatsoever, because, it said,
I'm dead.
Should I tell them?

Tell them you are dead broke.

 

[robinbanks]

But they make numbers up, and assume.

Well, it's just a computer doing what it does, working off the garbage that's fed into it

I think assuming idiots had much to do with the latest process might be giving them too much credit !

They assumed she still had interest, at the same rate, from a fixed-rate account she closed 2 years ago.

But did they know?

And they want to tax dividends which came from shares which were moved into an ISA.

But did they know?

Sorry.. wrong question..

But can you prove they did know?

 

[Justin Passing]

Well, it's just a computer doing what it does, working off the garbage that's fed into it

I think assuming idiots had much to do with the latest process might be giving them too much credit !


But did they know?

But did they know?

Sorry.. wrong question..

But can you prove they did know?

They could have asked the bank - as I did.
They don't have to "ask" of course, their systems are connected.
Their system is the idiot.
Anyone self- employed will tell you HMRC often assume and estimate, and round up.
A couple of times I've had to prove why I didn't earn as much as a previous year.

Someone dying isn't a rare event, they should deal with it competently.

 

[Justin Passing]

I wonder what the situation is if there are no other named drivers - the only insured person was the one who has died.

Can a dead person hold an insurance policy?

As before, the next of kin.... owns the insurance.

 

[Justin Passing]

Tell them you are dead broke.

It did make me think, - I bet it would have taken a while for them to catch it if I'd stayed silent. They would have been able to call one of my banks to see who was using the account, though.

 

[robinbanks]

Someone dying isn't a rare event, they should deal with it competently.

It'll get better when they integrate with ChatGPT