Hi Guys, I'm in need of a bit of advice. 2 months ago I set out to go and play squash with a friend from work, I was approaching the lights (on green) on a dual carriageway to turn right. I reduced speed for the turn, checked it was clear to go and proceeded to take the turn! Suddenly, out of nowhere appeared a motorbike, literally 2 foot in front of me and by this time it was too late to do anything. We collided, pretty much head on and without going into to much detail the motorcyclist was airlifted to hospital. I've recently received the very sad news the motorcyclist will never walk again, I really can't believe it and my thoughts are with him and his family. The police have informed me I'll soon be summoned to court but are unsure of what sort of punishment I'm going to receive? I read that Due Care and Attention is 3-9 points and a fine but in some circumstances a ban an be imposed or maybe even a prison sentence? Can anyone shine some light on what sort of punishment is likely? I need my license to get to and from work as I work 20 miles away from where I live. Thanks in advance for any help. Rich

Luckily the cancellation I signed on the 5th was also signed by a member of staff and we kept a copy each. Does anyone know of any lawful legislation I could quote in my cancellation letter to support my reason for cancelling?

Hi Slick, thanks for your reply, I appreciate you taking the time to help me out. At the minute I think i'm swaying towards writing a letter saying I do no agree with the pricing and therefore give 30 days notice to cancel. Do you think it would be worth my while emailing or writing to the head office, possibly a cancellation letter directly to them? I don't want to end on a bad note because if my new gym isn't all it's cracked up to be then i'd like to rejoin Nuffield but bottom line is, the direct debit will be cancelled at the end of the month, as far as i'm concerned 29 days is more than enough notice. Thanks again.

Hi guys, I thought i'd turn to the members of CAG for some help with my gym membership. I joined this gym in November 2007 on a 12 month contract for £46 per month, in November 2008 I didn't renew the contract just continued to pay my monthly instalments. Does this mean I am still bound by the original agreement terms? In the last 6-8 months Nuffield have increase my direct debits twice, first of all it increased by £1.50 which I was notified by mail beforehand. Again during the last 2 months it has increased by £2.50, only this time I wasn't notified at all, it wasn't until I asked a less than helpful staff member for a reason that I found out it had risen with inflation (inflation has since come back down but my Direct Debits remain the same). Anyway I have now found a newer, more modern gym for £30 a month (£20 cheaper) so I requested a cancellation form when I got to the gym yesterday. I was told that I must give a full calender months notice to cancel so at the latest I should have informed them March 1st and as a result, apparently I now have to pay for April as well? Really??? Is notifying them on the 5th insufficient notice? Is their anyway I can get out of paying April's Direct Debit? I don't wan't to be paying £50 a month when I can be paying £30 for a more luxurious gym! If I cancel the Direct Debit they have already confirmed I will have C.A.R.S chasing me for April's £50, i'm familiar with this collection agency having worked in a Debt Management Office for a few years. Am I right in saying that even with a DCA chasing this outstanding amount this cannot affect my credit rating? Sorry about the SA folks but I do like to know where I stand with these things Thanks in advance for your replies.

Hi guys, I was wandering if anyone could help me in this sticky situation! On the 2nd of July last year I was driving home from Porthcawl with my other half after a night out when a young driver in front of me smashed in to stationary traffic! He was driving his Dad's Vauxhall Corsa on route to a rugby match so as you can imagine he was quite excited and paying very little attention. Anyway, cut a long story short, we were on a dual carriageway so I swerved from the right lane to the left to avoid the pile up and a Toyota Avensis took of my wing mirror and put a small dink in my wing! Now as much as I think the driver of the Vauxhall Corsa should have been to blame for the whole accident the insurance companies didn't see it that way and treated me colliding with the Toyota as a separate incident! This conclusion did make me very angry but eventually I came to terms with it! All 4 of the occupants of the Toyota are now claiming for injury of some sort, because I stood talking to them for at least half an hour after the accident I know their were no injuries incurred! It is people like these that are to blame for such high insurance premiums! I received a letter from the solicitors (Keoghs LLP) that are supposed to be defending the claim on my half this morning asking em to sign an authority to settle! Now I haven't heard from my insurers or the solicitors for at least 4 months so I called them to see how much the claimants are claiming for and for details of the individual claims but apparently they don't have this information yet? The woman told me if I sign the authority to settle that does not mean they'll pay out whatever amount the claimants are claiming for and they will still fight the claim for me. Anyway I have refused to sign the authority whilst I seek further advice and until I have seen details of the claim. I think the way my insurance company and the Solicitors have dealt with this matter is a joke,i'm not happy at all especially with their lack of communication. What are peoples views on this? Do any of you have any tips or advice that may help me? Has anyone been in a similar situation and if so what was the overall verdict? Please help me out here :/ p.s sorry if it's all a bit messy it was rushed before work.

Quick question, when sending a subject access request should i send it to the original creditor or the solicitors currently pursuing legal action?

Hi all, i wonder if you could help? I entered in to a contract with Orange via Carphone Warehouse in July 2009 so it's not even been a year yet but, the phone (N97) is appauling and i've really had enough of it. The internet is slow as hell and the phone always freeze's during every day usage. I upgraded the software provided by Nokia themselves which was supposed to fix all the issues but... it didn't, not even a little bit. So far Orange have advised i contact Carphone Warehouse or Nokia for a new N97 but i don't want the N97, all my friends also have it and they have the same problems as i do. My contract was for 24 months and to buy myself out of it would cost £464 which i haven't got so my question is, what can i do to get out of the contract? Their must be something that's not known to the everyday consumer, maybe someone on here as worked for Orange and knows just the trick? I really want a new phone, i have no problems with Orange as a provider just the phone. What can i do?

Thanks everyone for all you help, I'm going to try the template letter for telephone harrassment to start with and if that doesn't work i'll come back to you . Thanks again Richy B

No notice of County Court Action and as far as I am aware they don't intend too...

Hi thanks for your reply. Do you know where i could obtain a template letter for telephone harrassment or should i write one, i wouldn't know where to start so i would need some ideas if possible?

Hi, i have been reading threads in these forums for a while and find most very interesting and the advice extremely helpful. I have a senario and i'm hoping you may be able to help? My other half has a debt management plan with various credit cards included, one of which is Monument. When joining the debt management company they took their usual first payment set up fee meaning all creditors weren't paid for that month. The debt management company managed to get arrangements in place with all of my partners creditors but... Monument like to see 3 payments reach them on time before they clear the arrears into the balance. One of the payments reached them a little after the due date and they marked this as arrears on the account. Because of this my partner gets calls every other day from Monument chasing this 'late payment' even though her debt management company has an arrangement in place with them. She has spoken to her debt management company who have called Monument and tried to put a stop to the calls but Monument are having none of it! Unless the late payment of £36 is paid up they will not stop calling! Their is no way my partner could afford that on top of what she is paying out each month and my situation is pretty simular. How will my missus be able to put a stop to these calls? Any help will be greatly appreciated. Thanks in advance Richy B