UK Drivers Risk £1000 DVLA Fine Over Missed Updates

Savings jar containing coins

If you’ve changed address recently and are a UK driver, you need to update the address on your driving licence to avoid a hefty DVLA fine. Failing to do so may cost you £1,000.

Why do I need to renew my licence if I’ve changed address?

If you’re a UK driver in possession of either a provisional or full driving licence and you’ve recently changed address even temporarily, you need to update the DVLA and change the address on your licence. Failure to do so may incur a fine of £1,000. Unlike renewing your licence, changing the address listed is free of charge.

The DVLA requires licences to list accurate, up-to-date residential information in case of accidents.

You must also update the address in your vehicle logbook (V5C) and update the vehicle tax Direct Debit.

If you’re a student, provided that your driving licence lists a permanent home address at which you remain reachable, you do not need to update the address on it.

How often should I renew my licence?

Legally, drivers have to renew their licences every decade, so that the image displayed matches their likeness. Failure to do so can result in a £1,000 fine from the DVLA.

However, drivers should also renew their licence every time they change address in order to avoid the same fine.

Licences can be renewed via gov.uk, where the five-day application process will cost a total of £14. Changing the address on a licence is free of charge.

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Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

How to Find Out the Service History of a Car

Clean engine thanks to full service history

Whether you’re shopping for a lightly used Mercedes or a Mini with almost 200,000 miles on the odometer, the service history of a car can be a valuable asset. As a potential buyer, you can unlock insight into how well the car has been looked after over its lifetime. This can give you an idea of what to expect in terms of performance and the cost of future repairs.

According to a leading automotive parts and repair service provider, almost 50% of car owners maintain they wouldn’t purchase a used vehicle without a complete service history. The remaining 50% said they would expect a discount of around 20% on vehicles without a complete service history.

It’s clearly an important decision-making tool and rightly so. Want to know more? Read on for our complete guide on how to find out the service history of a car.

What is the service history of a car?

A service history is a fingerprint of all the services that have been completed on a vehicle over its lifetime. This includes a variety of general services, including tyre changes and brake fluid replacements.

Is it legal to sell a car with no service history?

Yes, in the UK it’s completely legal to sell a vehicle with no service history. For example, an individual or dealership can sell a 25-year-old car with no proof of repairs or services. However, as a buyer it’s your responsibility to understand the risks and do everything you can to make a smart, informed decision.

What is a Full Service History of a car?

A Full Service History (FSH) proves that a vehicle has been maintained according to the service schedule set by the manufacturer. Usually, this involves a general service every year or every 12,000 miles.

All servicing and repairs should be backed by official documents, either from a manufacturer-operated garage or an approved service centre.

A full service history of a car is always coveted as it proves the vehicle has been well looked after.

The role of a service book

Most new vehicles are sold with a service book designed to help owners keep track of general maintenance. After every service, the book should be stamped by the mechanic. It’s worth noting that many cars manufactured within the last five years have swapped paper service books for digital copies. This is designed to make it easier to keep track of the service history of a car.

What is a Full Dealer Service History?

A Full Dealer Service History (FDSH) applies to vehicles that have consistently been serviced by manufacturer-operated garages. Also known as a Main Dealer Service History (MDSH), this guarantees the vehicle has always been serviced by an expert. Some people consider a FDSH to be the gold standard while others don’t give it as much weight.

What is a partial service history?

If a service was skipped one year, the vehicle was serviced at a non-approved service centre, or the service book is missing a stamp, a FSH is void. Instead, the car must be sold with a partial service history (PSH).

This isn’t necessarily a bad thing, as cars with a partial service history don’t always have issues. However, you have no way of knowing how well the car has been serviced over the years.

How can I find the service history of my car?

The easiest way to find out the service history of a car is to look at the service book. Of course, this isn’t always an option. Service books can be lost, misplaced or withheld on purpose. If you find yourself in this situation, you have a few options:

Ask the owner to contact the regular service provider

Most service providers keep detailed records of services and repairs. If the owner knows what mechanic the car is usually taken to, they should be able to pull up records.

Contact the Driver and Vehicle Licensing Agency (DVLA)

The Driver and Vehicle Licensing Agency is a great resource when it comes to tracking down the service history of a car. On the DVLA website, you can use the V888 form to request information about the previous owners of a vehicle. As long as you have a ‘reasonable cause’ for making the request, the DVLA may be able to supply their contact details, which you can use to get in touch with the previous owners and request more information about the service history of a car. There are no guarantees you’ll find out any useful information but it’s always worth a try.

Watch out for forged FSH

Sellers know the value of a FSH and unfortunately, some choose to forge documents to secure a higher price. Despite clampdowns, fake service histories are all too common in the UK. If you have any suspicions about the service history of a car, it’s worth contacting the listed service provider to confirm the information is genuine.

For cars less than three years old, service records should be stored by the manufacturer on a central database. A quick call to your local manufacturer-operated service centre should be all that’s needed to confirm the FSH is legitimate. Another good tip is to ask to see receipts, invoices and paperwork, rather than blindly trust the service book. This should help establish authenticity and give you peace of mind.

The bottom line on accessing a service history

Ultimately, there’s no one-click solution when it comes to accessing the service history of a car. Instead, you need to take the initiative as a buyer and put in a little groundwork. With a few calls and questions, you can unlock valuable information about the condition of a vehicle.

Now you know more about how to find out the service history of a car, it’s time to start shopping for your new set of wheels. Budget is a big factor for most buyers, which is where our car loan calculator steps up. With just a few clicks, you can crunch the numbers and get a clear idea of what price range to browse and what to expect in terms of repayments.

For more information, get in touch by email or give us a call on 01246 458 810.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Can I Buy a Car without a Log Book?

Dog in a car that was bought without a log book

A car’s logbook is also known as its V5C. It’s a red document that details information on the car, as well as specifying who is responsible for taxing and registering it. Although it’s both possible and legal to buy a car and have that car’s ownership transferred without a log book, we wouldn’t recommend doing so.

Why you should always buy a car with a log book

It’s possible that the person from whom you’re trying to purchase the vehicle has genuinely lost the logbook.

However, if they don’t have their log book, it could also indicate that the car is stolen or has finance still owed on it – typically, these will be logbook loans, where the vehicle’s owner used the logbook in order to secure a loan against it. You may consequently find yourself responsible for repaying this outstanding finance, despite having not owned the vehicle at the time the finance deal was established.

DVLA replacement log book service

The DVLA has announced a service for ordering a replacement log book, provided that no details on that log book – such as name or address – have changed. It costs £25, is delivered within five days, can be paid by credit or debit card, and the application process is online.

If you’ve found a vehicle that you want to purchase but the log book is missing, we recommend liaising with the seller to order a replacement log book. You can then carry out the deal as normal and follow standard protocol on advising the DVLA of transferred ownership.

Don’t forget that you can always check your eligibility for car finance with My Car Credit’s car finance checker. We’ll make your car finance journey smoother.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

How to SORN Your Car

Red car off the road after confirming how to sorn your car

If you own a vehicle you don’t use, you might think there’s no need to tax it. However, the law doesn’t see it the same way, which means you must SORN your car to avoid receiving a nasty letter.

Of course, you might not have heard of the process before, never mind how to do it and why it’s essential. In this short guide, we’ll walk you through everything you need to consider to adhere to the rules of the road and get peace of mind.

What is SORN?

SORN stands for Statutory Off Road Notification. In short, it means that any vehicle that is on the SORN database is considered to be off the road. As a result, you don’t have to waste money on tax, MOT and insurance because the DVLA are aware of your circumstances.

Why is SORN important?

For the DVLA, SORN is a way to make sure that cars are always properly taxed. Before the internet and technological devices took off, it was challenging for the agency to know if vehicles were legally off the road or untaxed. After all, millions of cars changed hands regularly.

From your point of view, applying for a SORN can negate potentially dire consequences. Forget about the fine – it can reach £1,000 – instead, focus on your insurance policy that will be voided if it’s technically untaxed.

How do you SORN a vehicle?

The good news is, applying for SORN is incredibly easy. You can do it by post or email, yet the easiest option is to head to the government website. Here you can input your licence plate number and the corresponding 11-digit reference from the car’s V5C logbook. It’s 16-digits if you have a V11. Follow the instructions on the screen and you’ll have confirmation in a matter of minutes.

Don’t worry if you need to tax your car again. It will automatically restart when you purchase tax.

SORN or sell?

If you’re planning to SORN your car because it’s out of use, it’s worth considering whether selling would be a better option. While it might seem worthless to you, an old car can be used for part exchange on a newer model. Alternatively, it can simply be sold and used as your deposit on a new ride.

For the rest of the costs, you can count on My Car Credit. We use a large network of lenders to find great deals for drivers with a wide range of credit profiles. Use our car finance calculator today to get a better idea of the costs for your next car.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!