To drive my car knowing MOT has expired?

(104 Posts)
Bouncingbeans Sun 18-Nov-12 20:22:26

Desperate situation and cant sleep for worrying.

I am normally very law-abiding (honestly) and would never normally consider this but my MOT expired last week. It failed due to leaks and other problems which will cost me around £300 to fix. The mechanic confirmed it is safe to drive for now but they were not aware of expiry date and I didnt tell them that it had expired that day.

Heres the dilemma. I cannot get DD to school and then myself to work without my car. I am in serious financial problems with a debt management plan in place and no family that I can reach out to for help. My exH left me around 5 years ago and I have struggled through in that time, building up credit card debts and stupidly getting into lots of problems but trying so hard to keep roof over our heads. I have no savings and no access to any credit/extra money due to the DMP.

I will be able to pay for the car repairs when I get paid on 28th by using money I was going to use for Christmas (juggling around Direct Debits). I cannot afford to take that amount of time off work by asking for unpaid leave and it would not go down well to phone in sick either.

Really cant get my head around what to do. Public transport is not really possible as would mean trains/buses/long walks but even if I could I do not have the money (car has enough petrol to get me through till payday).

So, aibu to get in my car in the morning? I think it may invalidate my insurance, so does this mean I am putting other people at risk too? I am 52 years old and feel like the biggest idiot ever.

Aspiemum2 Sun 18-Nov-12 21:15:27

Just thought, do you have anything you could sell, looking round my house I can pick out a fair few "I'll chuck on eBay when I get a minute" items! Of course eBay takes a while but gumtree or the local paper might be an option for things you no longer need

insertsomethingwitty Sun 18-Nov-12 21:16:17

if you do then you won't be able to go anywhere with a camera. All of our local Tescos have a camera at the car park entrance that registers every car that drives in and out and can tell if the car is insured, valid MOT, registered as stolen etc.

I am sure they are in lots of other places as well. The chances of you getting caught are very high.

squeakytoy Sun 18-Nov-12 21:16:25

A payday loan might be better than losing a days pay or more.

spotsdots Sun 18-Nov-12 21:17:49

If the car doesn't have a valid MOT, the insurance is invalidated.

I know this because in september I drove my car with expired MOT for 3wks without knowing. It was the insurance who called me and said the car was no longer insured until the MOT is done which was in a week's time. The insurance were kind enough to reimburse me any taxi fees I incurred that week prior to the MOT. Although they insured the car the day of the MOT and ONLY for the journey to the MOT garage grin

Don't take chance, the garage might have said its safe to drive but I would say to imagine they said its a death trap until fixed grin

Loie159 Sun 18-Nov-12 21:22:12

OP can you talk to your work about an advance in your wages? I have worked in a variety of companies and I know that in extreme cases a lot do do this. Do you know £300 would fix it and get it thru MOT? If this is the case call manager tomorrow /hr snd ask if they can help. It's worth giving it a go. Explain to manager what had happened as they may know car pool options for you too. I know you are in trouble financially but can you call the bank and ask them for 10 day overdraft? If you don't ask you won't know. Poor you, but I wouldn't drive if I were you. If you get caught it will cause lots of other problems that you can do without. Plus the fact that you are worried already about doing it means you will be a nervous wreak for almost ten days.

Bouncingbeans Sun 18-Nov-12 21:26:58

There is always another way isnt there, I just have to snap out of it and come up with a plan, I always have done before, and much worse than this, but for some reason, this has floored me.

I have googled Wonga and think that might be the best way if I am honest, as the sooner I get the car on the road, legally, the less impact it will have on next month's salary.

I didnt know about cameras and picking up registration plates, so thank you for that.

Hefty fine/points on licence worries me but to be honest, biggest fear would be causing someone else a problem. Dont think I could live with myself if I put someone else off the road.

WMittens Sun 18-Nov-12 21:27:01

The mechanic confirmed it is safe to drive for now but they were not aware of expiry date

He will have known the expiry date, everything is electronic now.

If it was safe to drive, you should have argued that they shouldn't have been fail points, just advisories. What did it fail on?

On the point of insurance, some wordings will stipulate that the car must be roadworthy (an MOT does not guarantee the vehicle is roadworthy); the mechanic has confirmed that it is safe, so that may be sufficient to cover you.

A quick google suggests the police won't be too bothered about no MOT - they can fine you £60, but it's VOSA who run the roadside MOT cameras.

Why do you show your MOT certificate to get car tax disc? Surely it invalidates something, if not insurance.

Why, in the modern electronic world? Tradition. Requiring the V5 (or tax renewal reminder), MOT certificate and insurance certificate (supposedly) ensured that the vehicle was legal, and the tax disc in the windscreen was a visual confirmation that the checks had been done. Now everything is accessible on databases there is no real need to produce these documents, and actually no need for tax discs.

WMittens Sun 18-Nov-12 21:32:39

All of our local Tescos have a camera at the car park entrance that registers every car that drives in and out and can tell if the car is insured, valid MOT, registered as stolen etc.

Unless you can show me something concrete to back that up, I call bullshit - why would Tesco have access to police databases, the MOT database (which is VOSA, not police) and the MID? And why would the police only put cameras in Tesco car parks, when they already have an extensive ANPR network on the roads? It doesn't say much about Tesco's patrons.

Bouncingbeans Sun 18-Nov-12 21:38:08

Hi WMittens, there is a leak in the steering column but he topped it up and said it would drive fine for week or so but he couldnt pass it through MOT.

He said worse that would happen would be that I turn a corner and car conks out but unlikely. I thought he would be able to see expiry date on computer but he didnt mention it (although neither did I).

Loie159, will call work first thing and have the conversation and if that doesnt work, will try Wonga and while car is in garage will ask friends or colleagues for lifts. I would do it for other people, so sure I will find someone.

Just have to swallow pride and have these conversations, rather than doing something stupid.

Thanks all, feel better about the situation now albeit stupid to have asked the question in the first place sad

Aspiemum2 Sun 18-Nov-12 21:40:04

OP, just for future reference I used to get the mot done at my local council depot (they don't do repairs so no incentive to find problems that aren't there wink). I'd then take the list of things that needed fixing and phone a minimum of 3 (normally 5) garages for a quote - you'd be amazed at the price difference. It's been a while since i needed to do this as new car not had one yet but I assume this is still available.

Floralnomad Sun 18-Nov-12 21:41:23

It may be worth ringing round a few other garages to see if you can get it done cheaper , they do vary quite a lot in pricing .

thenightsky Sun 18-Nov-12 21:54:31

OP... can you tell us what the actually leaks and things are? I am pretty good with cars (tis my hobby) and have a vague idea of what costs should be.

SoftKittyWarmKitty Sun 18-Nov-12 22:07:56

OP, my car failed its MOT a few months ago and I started this thread. A few people rightly pointed out to me that you're not allowed to drive a car without a valid MOT, except unless you're driving it to a place of repair. Have a quick google and you'll see that's correct.

You say yourself that you're in serious financial trouble, have credit card debt and are on a DMP, so no way should you take out a Wonga loan or any other pay day loan. That's just insane. Post your OP on moneysavingexpert.com and see what they say - lots of good advice on there.

Tbh it seems to me that you can't afford to run a car. I'm in a similar position in that I struggled to pay for MOT repairs (see post I linked to) so I put them on my overdraft. My insurance is due shortly, which will quickly be followed by the road tax in the new year. I can't afford to pay them, so am 99% sure I'm going to have to get rid of the car and will have to take public transport to work. I've done the maths and it'll be much cheaper to travel this way, albeit much more inconvenient. But hopefully as my finances improve fingers crossed I'll be able to get a car again in a year or two.

Maybe this is a tipping point for you, too?

LaCiccolina Sun 18-Nov-12 22:26:44

I realise u have problems but seriously r u really in the poo this much that digging further seems such a bright idea?

U really do see it all in this site don'tcha?

Donut

ilovesooty Sun 18-Nov-12 22:28:37

I would contact your debt management company and ask for advice. It may well be that they would contact your creditors and allow you to miss a payment. You shouldn't take out extra credit they don't know about.

ilovesooty Sun 18-Nov-12 22:30:49

LaCiccolina that is hardly helpful.

McChristmasPants2012 Sun 18-Nov-12 22:31:43

I don't normally suggest payday loans, but the money will be there on payday and it will cheaper to pay £50 for the short term loan rather than days worth of wages.

Bouncingbeans Sun 18-Nov-12 22:34:23

Thanks Ilovesooty, good point about letting the debt management company know first.

Donut? Yeah suppose I am sad

Lougle Sun 18-Nov-12 22:35:51

" LaCiccolina Sun 18-Nov-12 22:26:44

I realise u have problems but seriously r u really in the poo this much that digging further seems such a bright idea?

U really do see it all in this site don'tcha?

Donut "

Do you fancy using real words if you are going to kick someone when they're down?

LaCiccolina

The op knows its not a good idea, and was desperate.

Why dont you read the thread ^

Bouncingbeans

Your not a "donut" not at all your some one whos in a desperate situation, don't listen
To people who love to kick others when their down.

Viviennemary Sun 18-Nov-12 22:52:25

You are not being unreasonable you are being totally irresponsible, putting other people's lives in danger and breaking the law. Please think again.

BarredfromhavingStella Sun 18-Nov-12 22:55:18

OP I appreciate you are having a bad time & I do feel for you but an MOT is to ascertain if a car is roadworthy & as yours failed, it is not-I do not give a flying fuck what the mechanic said, it failed & therefore should be left where it is until you can afford to have the necessary repairs done.

I could not in all honesty load the most precious things in my life into a car that was not roadworthy, please think before you do sad

RichTeas Sun 18-Nov-12 22:57:13

If you're in South London and continued to drive, you'd be in good company, it's the norm down there (wink)

EnjoyResponsibly Sun 18-Nov-12 22:57:14

Bouncing you took a light flaming on the chin, accepted YABU and have decided that there's another way round your problem.

Not a "donut".

I hope things get better soon. Your DD has a good mummy smile

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