Where do I stand?

[undersuspicion]

Hey guys,
traded my car in and took out finance on a 2003 sv8 series 2. My problem is the dealer asked me if i wanted the finance company to pay for stamp duty, i said yes. Anyway reviewing my loan contract etc and where the stamp duty amount should be it is just blank, where as it should read $497.70 or whatever the 3% is equal to.
Anyway im just after some advice on where i stand, do i ring up the dealer and give them a serve or what should i do? I realise it is only $497 however i feel that the dealer has fcuked up and should rectify it. What do you all think?
(yes i have a mate who was there when i was offered for the finance company to pay for the stamp duty).

[Isaac]

Just ring em up and ask them about it, it could be a honest mistake. No real reason to give them a serve.

[Not_An_Abba_Fan]

Was the stamp duty included in the loan amount?

[undersuspicion]

Was the stamp duty included in the loan amount?

I thought it was, however was reveiwing the loan contract and it appears it isnt. I did say yes then asked 3 or 4 times for stamp duty to be covered by finance.
Loan was signed up Wednesday 13th jan. Was just overlooking the paperwork and noticed.

[ClairBear]

i ring up the dealer and give them a serve or what should i do?

Put the boot on the other foot for a minute. Some irrational guy rings you and gives you a serve for a mistake you made. Because of the way he is speaking to you, you think to yourself "irrational idiot, he can get stuffed" and tell him bad luck.

Then there is another scenario. Where you ring up and asked politely if the missing stamp duty is an oversight. Chances are the guy will tell you it is and happily rectify it to keep his customer happy. No one loses their cool and raises blood pressure.

Always start out by being very reasonable and polite, gets you lots further as a rule in life as people are far more obliging to help someone who is speaking to them in a civil manner than someone going off the deep end from the start.

[CSP]

Um, the first question here is has the stamp duty been paid? If the car is registered in your name, then it most likely has and the loan amount simply includes the stamp duty but doesn't itemise it.

[undersuspicion]

am going to call the dealer about this today, it seems that the section where stamp duty would be on the loan contract is blank. I just hope its not a case of well we have your money so p-ss off kinda thing. Where do i stand legally? Any ideas?

[CSP]

Did you even read my post? Is the car in your name? Do you have the registration papers? If so, stamp duty has been paid.

[undersuspicion]

Did you even read my post? Is the car in your name? Do you have the registration papers? If so, stamp duty has been paid.

i got the original rego papers when i got the car, got the pink slip to send to Department of Transport... Sent that to them however havent heard anything since to say the car is in my name or what not.

[CSP]

Jesus!!! Is the car in your name on the rego papers?

[nathanVY]

Jesus!!! Is the car in your name on the rego papers?

Hahahahahaha. I'm sure he could help register the car.

+1 though, if the car is in your name already as in right now then stamp duty (transfer fees) are already paid.

[undersuspicion]

Jesus!!! Is the car in your name on the rego papers?

lol sorry mate, didnt mean to frustrate ya. The rego papers that came with the car when i got it are in the name of the dealer still. Havent received new rego papers with my name or any sort of receipt/paperwork to indicate the car is in my name.
Sorry to frustrate you.

[nathanVY]

lol sorry mate, didnt mean to frustrate ya. The rego papers that came with the car when i got it are in the name of the dealer still. Havent received new rego papers with my name or any sort of receipt/paperwork to indicate the car is in my name.
Sorry to frustrate you.

Hahh don't stress. He does that.

If the car is still in the dealers name then you may have to pay the stamp duty when you go to the RTA to transfer it. Don't you have to do it in person? Would be worth giving the dealer a call and just asking.

[CSP]

If that's the case then you need to go to the RTA within 14 days and transfer it into your name. At that time you will have to pay Stamp Duty.

It's only frustrating because this is all so straight forward. You're looking at loan papers trying to work out it stamp duty was paid? WTF? Your loan has nothing to do with ownership or stamp duty. If they ####ed you over with the amount then you need to follow that up.

But right now, you're driving around in someone else's (according to the RTA) car.

Sounds like you went to a dodgy dealer.

[undersuspicion]

If that's the case then you need to go to the RTA within 14 days and transfer it into your name. At that time you will have to pay Stamp Duty.

It's only frustrating because this is all so straight forward. You're looking at loan papers trying to work out it stamp duty was paid? WTF? Your loan has nothing to do with ownership or stamp duty. If they ####ed you over with the amount then you need to follow that up.

But right now, you're driving around in someone else's (according to the RTA) car.

Sounds like you went to a dodgy dealer.

Well got it all sorted. The dealer included it in the purchase price of the vehicle and they are sorting it out as i write this.
Thanks for all the opinions

[CSP]

Moral of the story? Make a simple phone call...

[undersuspicion]

Moral of the story? Make a simple phone call...

you sir are correct.