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.

cece Sun 18-Nov-12 20:25:01

It will invalidate your insurance.

Get someone else - a friend or neighbour - to take DD to school.
Cycle to work.
Ask a colleague for a lift.

If you hit me, another skint driver, ai would face costly repairs on my car because you are not insured (as a by product of no MOT). I wouldnt be able to get to work either.

Dont let your problem become other people's problem too. It is not just about whether your car is fit for the road.

Dodnt mean to put 'ai' grin meant 'I'

safflower Sun 18-Nov-12 20:26:18

I feel for you, and see that you are in a nightmare predicament. I would probably on this occasion drive, although it goes against my principles. If the insurance becomes null and void, i would not though.

DowagersHump Sun 18-Nov-12 20:26:18

Your insurance will be valid but any damage to your car will be considered as if it was a car without a valid MOT. Given yours has failed, I don't think that it's going to make much difference in that respect unless the lack of MOT means it's unsafe (and your mechanic has confirmed it's not).

Sorry you're having such a tough time - hope things pick up

SecretNutellaFix Sun 18-Nov-12 20:26:33

you are invalidating your insurance.

DowagersHump Sun 18-Nov-12 20:27:10

And it's not true that your insurance is invalid - sorry, x-posted.

Message withdrawn at poster's request.

nellyjelly Sun 18-Nov-12 20:27:24

Don't do it. Will invalidate onsurance so if you have a bump you are really on the crap. Plus you can be fined for no MOT and ins if caught.

scurryfunge Sun 18-Nov-12 20:28:10

It won't invalidate your insurance but you run the risk of a fine. Please try to find other transport solutions.

Fakebook Sun 18-Nov-12 20:28:10

How didn't they know the MOT had expired? Not only are you invalidating your Insurance, you are putting your mechanics at a risk of law breaking and you're putting yourself, your children and other road users at risk with your broken car.

DON'T DRIVE.

Chubfuddler Sun 18-Nov-12 20:28:20

You'll be insured for third party claims but not for your own damage. It's still really stupid and if your insurers find out could affect your ability to obtain insurance in the future.

StickEmUp Sun 18-Nov-12 20:28:54

On top of what pp have said if you are in an accident you'll also receive points on your licence and a hefty fine.
If you say, had a kid run in e road and your breaks failed, and he was injured, you might even go to prison.

StickEmUp Sun 18-Nov-12 20:29:22

Brakes* silly me

safflower Sun 18-Nov-12 20:29:29

can you not get the repairs done and borrow the repair money from family or friend until you get paid? I thought you meant just driving tomorrow, not until the 28th in which case I would definitley not do it.

kim147 Sun 18-Nov-12 20:29:52

The police will know - if you pass one of those camera cars. you will get stopped.

DowagersHump Sun 18-Nov-12 20:30:06

Here are the facts.

It's the fine I'd worry about most if I were you given money is so tight

Fakebook Sun 18-Nov-12 20:30:06

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

Bouncingbeans Sun 18-Nov-12 20:30:59

Thanks everyone. Such a good point about not making my problem, someone elses. So wrapped up in my own issues, of course I didnt see it that way.

No valid insurance, risk of having your car towed/scrapped and big fines.

Could you not get a lift ro work and make other arrangements?

What is your sickness.policy like at work \ do you have any annual leave left? Just as a back up for if you cannot get in tomorrow? Of course, this is after exhausting all options.

CointreauVersial Sun 18-Nov-12 20:32:40

You are not being unreasonable, you are breaking the law. It's up to you if you want to take that path, but I wouldn't. If you are stopped by the police they will impound your car.

Next year, get your MOT done a month before it expires so you have a bit of breathing space to save for any repairs. But I do sympathise with your financial situation; running a car is expensive.

McChristmasPants2012 Sun 18-Nov-12 20:33:30

I wouldn't drive without the mot on the car, you are in enough financial problems without facing a £1000 fine and between 6-9 points on your licence.

bitsofmeworkjustfine Sun 18-Nov-12 20:34:52

can you come to an agreement with the garage? ours is brill and often fixes Dh's car and we pay him on payday

hermioneweasley Sun 18-Nov-12 20:37:47

Could you pay the garage with a credit card that you pay off at payday?

minibmw2010 Sun 18-Nov-12 20:37:54

All you need is to drive past a police car, their machine pings and tells them you are without an MOT and you're screwed. I have a lot of sympathy for you, I truly do, but you can't do it, you just can't. sad

Doinmummy Sun 18-Nov-12 20:37:55

I'm sorry that things are tough for you financially but please don't drive, my OH was hit by an uninsured driver and it's been a nightmare trying to sort it out. He has had to fork out thousands himself to get his car (London taxi) back on the road.

piglettsmummy Sun 18-Nov-12 20:39:16

Are you kidding? If u are normally a very law abiding person you shouldn't even be asking this question!!! No mot will invalidate your insurance! You say you don't have the money for it, put it this way if a police officer were to do a check on your car ( which they do a lot Of random checks) and find it is not mot,
You could face serious fines! Then what? Your in even more debt!! If u hit a person they would have to pay for there own car
To be repaired! What if that person needed there car? What if it was to ferry a disabled person around or was there lively hood! I think its a very selfish decision to drive without MOT and u shud think very carefully about he repercussions!

ImperialBlether Sun 18-Nov-12 20:40:21

I hadn't realised my MOT had run out this month and on about the 3rd I was stopped by the police. Their camera/computer had picked up that my MOT was overdue. I was told to go and get it done, which I did.

OP, could you ask your employer to loan you the money? A lot of places will do that, particularly if you need your car to get to work.

scurryfunge Sun 18-Nov-12 20:42:05

Piglettsmummy, it will not invalidate insurance but you do run the risk of a fine.

Doinmummy Sun 18-Nov-12 20:43:50

It will invalidate the insurance

piglettsmummy Sun 18-Nov-12 20:45:39

It will invalidate insurance, you can't insure a
Car without an MOT otherwise everyone would be driving round with no Mot!

Bouncingbeans Sun 18-Nov-12 20:45:40

I did take a deep breath and ask the garage but they said no, in this climate they dont take any chances. Fair enough.

I have just emailed my manager to request emergency family leave tomorrow (one day's unpaid) while I think of something else to do until the 28th. DD can get to school without me, its just that I drop her on the way so thats one less thing to worry about.

I have learnt my lesson and will never ever leave it so late again, no excuse.

Thanks again everyone, agree that I could be building up much bigger problems by getting in car tomorrow.

ImperialBlether Sun 18-Nov-12 20:46:39

But having an unpaid day will just make it worse for you next month, OP. Would you be able to do an extra day somewhere else?

piglettsmummy Sun 18-Nov-12 20:47:35

Why do U not use public transport, ano u said something about it being long but needs must and it sounds like I can't afford to miss work!

piglettsmummy Sun 18-Nov-12 20:48:01

You not I oops !

yousankmybattleship Sun 18-Nov-12 20:49:36

I'm sorry you are having such a tough time. Please don't drive your car, but I hope you have a friend who can help you out and get you to work. This is the time to call on friends to help. I know I'd much rather help a friend than think of them driving an unsafe or illegal car.

scurryfunge Sun 18-Nov-12 20:51:30

If you are already insured then having no MOT will not invalidate your insurance.

Bouncingbeans Sun 18-Nov-12 20:53:08

Public transport is possible but I just dont have the money for the train fare (I know how pathetic that sounds) as literally every penny is accounted for.

I have sat here all weekend feeling sorry for myself and havent driven the car since coming back from the garage but all of your replies have been the kick up the backside I needed, and probably why I posted here. I know it was stupid to even consider driving but feeling so down with everything at the moment, and not making sensible decisions, but self-pity is not going to resolve it, and the thought of causing other people problems has made me wake up to the stupidity of my OP.

Thanks again to you all.

McChristmasPants2012 Sun 18-Nov-12 20:54:11

How about using wonga £300 and pay back £350

Doinmummy Sun 18-Nov-12 20:58:27

You need to check your car insurance policy, just looked at mine and it says no MOT = No insurance

thenightsky Sun 18-Nov-12 21:00:43

Have you got a list of the actual work that needs to be done? Can you ring around and see if you can get it cheaper than £300?

goralka Sun 18-Nov-12 21:01:28

I feel for you OP but please do not drive everything is on computer.

Anifrangapani Sun 18-Nov-12 21:01:38

Insurance invalidation depends on the terms & conditions of the contract signed between the parties.
For mine no MOT means no insurance.
As I have a 3rd party f&t I would have to pay if my car was run into by an uninsured car.

Please check your policy.

thecatsminion Sun 18-Nov-12 21:03:23

Could you contact your debt management plan company (sorry, not entirely sure how it works, legislation is slightly different here) explain the situation and ask them to help with a loan? It is presumably better for them that you don't get into bother at work, as if you lose your job then they won't get their money back.

MousyMouse Sun 18-Nov-12 21:06:32

I feel for you but don't do it!
check out bus routes, ask other parents if they can take your dc, ask for an advance at work, check if a colleague could give you a lift...
just don't drive without MOT/insurance

Doinmummy Sun 18-Nov-12 21:07:06

I've PM'd you

Alibabaandthe40nappies Sun 18-Nov-12 21:07:38

I hardly think a payday loan is the thing to be suggesting...

OP is there no other way that you can get to work? You cannot take loads of unpaid days because that just adds to your problem.

Aspiemum2 Sun 18-Nov-12 21:08:02

Yes to ringing around for a cheaper quote. A local garage may well agree to part payment if possible for you to come up with say half now and other half on the 28th.
As pp mentioned it is worth asking your employer for a small loan to tide you over, humiliating yes but they may well agree so would be worth it.
If worst comes to worst and you do consider a payday loan then my advice would be to see how much public transport would be and if its cheaper take enough to cover that. I hate these payday loans and would try any alternative first.

Are you eligible for an emergency loan from the job centre?

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

Bouncingbeans Sun 18-Nov-12 22:57:17

Thank you iloveshortshorts, and everyone else for positive messages.

Viviennemary, I realise that now and you are right in everything you say.

sunshine401 Sun 18-Nov-12 22:58:16

aww no this thread is so sad.
So sorry for your trouble op.
Please do not drive your car with no mot you will be caught and it will make everything so much worse.
(If you do drive a vehicle without a valid MOT it will usually Invalidate your Insurance, and if you have an accident or are stopped by the police, you will be liable to face prosecution for MOT non-compliance.)
Taken from the driving standards site. Its all on computer now so police will know as soon as they are driving behind you and your number plate is scanned by them.
Any work friends that could pick you up?
Are you on any type of benefit to apply for some kind of crisis loan ?

sad so hope someone is able to help you.

Bouncingbeans Sun 18-Nov-12 23:02:11

EnjoyResponsibly, thank you! Wish I had posted this on Friday rather than sat here all weekend contemplating the unforgiveable but I did need to hear the truth and fully deserve some of the comments. Just thankful for the really helpful suggestions and kind words too :-)

TiredBooyhoo Sun 18-Nov-12 23:03:16

ok firstly, ring round lots of other garages tomorrow and get quotes

secondly is there anyone at all that you could ask to borrow the money from til payday?

thirdly can you sell anything that would get you some money towards it. if you were to offer the mechanic even half now and the rest on payday (with a bottle of wine) they might be able to do it for you.

is there anything you can do that would make you some money? have you any skills? or would your employer give you an advance?

Ilovemydogandmydoglovesme Sun 18-Nov-12 23:05:51

Just a thought, but Mot' records are all computerised now. I know police can pick up on out of date tax discs with those computers they have in car. Can they pick up on registration plates without a valid Mot as well? Because if you're driving without a valid Mot it will automatically invalidate your insurance and then you will be in trouble. Driving without insurance and/or Mot might be automatic disqualification or something horrible. Please don't risk it. It really will not be worth it.

TiredBooyhoo Sun 18-Nov-12 23:09:51

or is it possible to borrow someone's car? (as long as your insurance covers you!)

EnjoyResponsibly Sun 18-Nov-12 23:17:16

Bouncing when your skint and something like a car goes wrong it's a HUGE problem, and I know I would have panicked too, and my brain would totally shut down its rational decision process.

If you can get the money from advancing your salary, ask the garage for a loan car - don't ask, don't get. Cry if you have to grin

Plomino Sun 18-Nov-12 23:26:40

Bouncing , I am a PC , and can confirm that the date of your MOT is available to us. Please please don't drive without it, it could set off a whole cycle of events that you really really don't need .

ShellyBoobs Sun 18-Nov-12 23:30:22

...you are being totally irresponsible, putting other people's lives in danger...

Gross exaggeration doesn't help. MOTs can be failed for a multitude of totally non-dangerous reasons.

OP has already stated that the mechanic said it wasn't dangerous.

Bouncing, pressumably the oil leak is from the steering box rather than the steering column? According to the VOSA standards, the requirement is to have 'no significant oil leak'. I.e. it's subjective so perhaps another tester wouldn't fail it?

Was the issue noted in the 'danger box' on the failure report? It's in the bottom left corner and is where items which make the vehicle dangerous to drive should have been noted.

I read the above on the motester.co.uk site.

Plomino Sun 18-Nov-12 23:31:09

Gah! Posted too soon .

What I meant to say was speak to your employers and see if they can help you out with an advance. You won't be the first , and it's not like you're going to make a habit of it . If they want you at work, it's to their advantage it gets fixed . Also agree that you get more than one quote for the work , and , although it grieves me to say it , if you have got a male friend or relative who can get someone to give them a quote , then do, because you might find the cost may be less . And yes , I am grinding my teeth as I type that , but it might save you some cash .

sashh Mon 19-Nov-12 00:03:03

Phone the mechanic and explain the situation TODAY. Ask about paying on payday, and be prepared to hand something over as 'security', jewelry, a watch, even the TV.

The people I have found to be the best for MOT services is the ambulance service.

McChristmasPants2012 Mon 19-Nov-12 18:54:44

Op how are you feeling today.

gettingeasier Mon 19-Nov-12 19:14:01

I hope you got some money sorted to fix up the car and the tide turns for you financially , you sound very stoical in the face of a crappy situation

DameEnidsOrange Mon 19-Nov-12 19:20:44

No advice OP just wanted to say well done for responding so positively to the comments on this thread.

Hope better times are ahead for you

RuleBritannia Mon 19-Nov-12 19:26:37

I use a mobile serviceman to come and service my car at my home. He also does MOTs by taking them to an establishment that does. He charges very reasonably, too. I think he would be reasonable about payment, as well. Is there one near you (look on internet) to whom you could talk about it?

specialsubject Mon 19-Nov-12 19:36:12

the consequences of this will make your current financial troubles look like a broken piggybank.

you would be driving uninsured, in a car that you know is faulty even if it is not dangerous. If you get caught (and you may well be) it is points, a fine and huge insurance bills or uninsurable in future. If you have an accident -well, just think about it. Actually, don't - you have enough to worry about!

you cannot drive. End of. The only legal driving you can do is direct to a pre-booked MoT by the shortest route.

please, please don't even think about it. The issues of not driving are minor compared to what could happen. Not being able to get to work and kid missing school are MINOR compared to driving uninsured.

ideas; call colleagues for lift, call school to explain, speak to neighbours? Hope someone can help.

Bouncingbeans Mon 19-Nov-12 21:12:49

Hi everyone, thank you so much for posting such helpful responses to what I am ashamed to say was a very desperate post yesterday.

Good news is that everything has now been sorted and I am very happy to promise you all that the car has not left my drive. I dont think I would have gone through with it but after reading this thread and the great PMs I received, I knew what I had to do.

I have managed to sort out lifts for the next week so that my neighbour is going to drop me off around 15 mins walk from work on his way to work in the mornings and a colleague will do a similar run on her way home and drop me a similar distance from home. So the only inconvenience is a 30 minute walk every day which I am actually looking forward to! DD doing a similar route - walk / bus / walk.

I have offered both of these kind people a contribution to petrol money when I get paid and they have both said they will not take it. I never, ever ask for help so I am touched by how people have rallied around me, both in RL and on here!

Of course, I didnt admit to anyone my stupid temptation about driving, but I have really learnt a valuable lesson. I havent booked my car in for the works yet as I am now thinking about scrapping it, it has such high mileage, is 12 years old, and I am sure this is the beginning of the end. On my tight budget, it is a luxury and if I plan for train and bus fares this might work out better for us in the long run (thanks for the suggestion upthread!).

So thank you again for helping me apply perspective. I hope I dont sound dismissive of the seriousness of what I was actually contemplating doing but 2 nights of not sleeping made everything look hopeless to me yesterday and I really thought I didnt have a choice. Getting behind the wheel this morning would have a very stupid choice indeed though sad

bureni Mon 19-Nov-12 21:20:05

I cant get away with driving here, an expired mot disc makes it obvious but we do get a reminder through he post a few weeks before the test is due.

Softlysoftly Mon 19-Nov-12 21:24:39

It doesn't matter if you had done it earlier than expiry date, once an mot is failed it is illegal to drive the car and insurance is invalidated.

I think the previous Parkers link maybe outdated (2010) there is info from an insurance company here on the law.

I feel for you op and do hope you can sort it.

Softlysoftly Mon 19-Nov-12 21:25:35

Oops sorry x post so glad it all worked out,

SoftKittyWarmKitty Mon 19-Nov-12 21:25:59

You did the right thing, OP. Do a bit of research, and you might even get some scrap money for it, if that's the way you choose to go. At least you have lifts sorted for this week while you look into it all. smile

hellhasnofurylikeahungrywoman Mon 19-Nov-12 21:37:09

Good luck OP, I hope life gives you a break now.

DeWe Mon 19-Nov-12 21:38:13

I thought the garage wasn't allowed to release a car that had failed its MOT, even if the expiry date wasn't for a couple of weeks?

bureni Mon 19-Nov-12 21:40:56

A car can be impounded by a test centre if it is in a dangerous condition but they cannot hold the car for minor defects.

IneedAsockamnesty Mon 19-Nov-12 21:42:42

I'm glad you now have support from others to help you.

Can I surgest that you contact the debt management company as its clearly setting payments to High to allow you to live, and please please if it's one of those that charge for its services get an appointment at the cab debt repayment plans should be affordable and take in to account the ability to deal with things like bus fairs in an emergency

hellhasnofurylikeahungrywoman Mon 19-Nov-12 21:46:44

The MOT paperwork has a box that marks it as 'dangerous to drive' but not every car that fails it's MOT will fall into that category.

ilovesooty Tue 20-Nov-12 18:56:21

Glad you've got it sorted out and you are easier in your mind now.

specialsubject Tue 20-Nov-12 20:04:17

delighted to hear something has worked out. Good luck!

Bride1 Tue 20-Nov-12 20:52:49

Best of luck to you, OP. smile

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