If the actual weight of the vehicle is 2620kg then you have the difference between that and the GVW (not the tare) available as payload.
Do NOT deduct the 75kg driver or the fuel or the 150kg towball from the 2620 - they are already included.
If the maximum GVW is 3240kg then the available payload is 3240-2620=620kg.
If the towball increases above 150 then deduct that from the 620 e.g. if the towball was 350 then deduct 200 (350-150) from the payload, which is then 420.
Deduct the weight of your wife, kids, luggage etc and you should still be sweet.
Anyway, that's what I can figure.


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