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th3joker

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  1. Yup, thanks for all the help guys. Was interesting to learn about the slip rule. I'm happy to go on the speed awareness course, I was indeed speeding. Only myself to blame!!
  2. It's a 37mile difference. I would imagine I wasn't alone on that day... In a murder trial I would say that would be enough to get someone off. Apparently speeding is a far worse offense.
  3. I guess it’s just the fact that it’s factually incorrect. It’s a bit like saying did you commit a murder at Sowton Cross and you could happily deny that because it was at Sourton Cross. I’ve always found the whole process of having no option but to confess, to essentially a very lowly ‘crime’ the only one in this country that you’re forced to confess to. Murderers don’t have to confess! in this case, I’m saying I know I wasn’t speeding at Sowton Cross.
  4. Devon and Cornwall Police sent a NIP and I’ve accepted a speed awareness course. The van was at Sourton Cross but they put Sowton Cross as the location. is it worth challenging this?
  5. An assessor came to price up damage to our house which was covered by insurance, they listed the work that would need carrying out and informed us that during the works food allowance would be £10 oer day per person. The work was pretty extensive and left us without electricity through a large part of the house including lighting. The ceilings of the effected areas had asbestos in so we had to stay in alternative accomodation for a few days while this was removed. We then returned during the very cold snap and the house was extremely cold due to the heat going straight into the loft space. They reinstated the ceiling upstairs within 4-5 days though we were very cold during that time. With the level of work involved and the lack of electricity we felt we should have been accomodated elsewhere but put up with it since they had said it would only take 2-3 weeks. The work ended up taking 2 days short of 9 weeks. When I submitted the claim for food (61 days at £10 per day per person) I was asked how many children did that include. When the assessor originally quoted this to us he didn't mention that it would only be £5 per child and £10 per adult. Though my children are 11 and 14 they are strapping lads who in fact eat more than I do. I feel like we've been diddled here, firstly since we didn't insist on the alternative accomodation as it felt like the upheaval for only 2-3 weeks didn't seem worth it and then to be told that we will be getting back substantially less in food allowance. We live on the Cornish coast and you can't eat anywhere for under £15 a main meal and often more. The pub even had on the kids menu that it was for children under 10. Has anyone else had similar issues?
  6. I don't for a second think they would get anywhere in a court. They might try debt collectors but since the courts wouldn't allow any kind of warrants they could do nothing but phone and write to you in the hope that you would cave in. The debt is unenforceable since the contracts aren't legally binding.
  7. Hi, I got a parking ticket in a council run car park where you have to pay to park even when displaying disabled badges. I bought a parking ticket and displayed it next to my disabled badges. When I returned 30 minutes later there was a ticket on the car, I thought this must be a mistake as I could see both the ticket and badge quite clearly through the screen. When I checked the "Excess Charge Notice" it said that the car was parked in a space for disabled without displaying a valid blue badge. I checked the blue badge and it had in fact expired on the 31st May this year. Apparently they don't send out reminders when they are due. I have brain damage and really bad memory so clearly forgot to renew the badge. I've since renewed it this week. I sent a nicely worded appeal via email to the council who rejected it. I've sent another one with the new badge on so they know I'm genuinely allowed one. Where we previously lived the local council got to know me quite well as I forgot to display my badge quite frequently. They where always understanding and rescinded the tickets. This local council however are one of the few in the country who actually charge disabled people to park. They are well know for being difficult. Since I actually paid for the parking but used a Disabled bay with my unknowingly expired badge where do I stand legally. Is there anything else I can do to get them to reconsider. Will they take me to court or is there an independent appeals process before that, would I stand any chance in court or at appeal? Many thanks for any help/advice.
  8. The above paperwork was returned when I asked for the CCA using the letter templates CAG provided. So is the documentation correct and a proper CCA and enforceable.
  9. It was symptomatic of the injury at that time that I signed it in the first place. The loan had been accepted anyway in just my wife's name and I had no need to add my name to it. In fact I can't remember why I even did it now.
  10. It was included on my wife's bankruptcy but since I came under the CoP they would not sanction a bankruptcy. So what was once a loan with my wife as primary borrower and myself as secondary became a loan to just me when she went bankrupt. So I am solely liable, my question is does the paperwork stand up and how would I stand having my part of the agreement declared null due to me being incapable of making these decisions and hence coming under the CoP due to that very reason.
  11. I've since been put under the court of protection because I'm not able to manage my own affairs. They are paying a token amount to A&L for now. The head injury was in 2003 and we took out the loan in 2004, since I now have CoP and am no longer able to take out credit due to the inability to understand or manage my financial affairs. With this in mind I probably shouldn't have included my name on a loan application post head injury in the first place. We simply don't have the money to pay this and legally I shouldn't have been signing agreements in the first place. What are my options? The CoP Solicitors aren't very helpful and will just continue to pay this rather than actually addressing the fact that it should never have been allowed in the first place.
  12. Yup sorry, I do get a very small amount of Income Support (less than £10 per week).
  13. Hi, My friend died over Christmas and I arranged the funeral, he had asked me to be the executer of his will. I agreed not fully understanding what that meant or it's implications. Before I go any further I need to say that I am on incapacity benefit and DLA. I have gone over his affairs; credit card and bank statements and pension policy informing all the involved parties and supplying them all with a Death Certificate. I also included a breakdown of his estate and sent that too. I spoke to someone who stated that because there are no large assets or properties involved then Probate won't be necessary. I had initially suspected that the estate was in the red making it fairly uncomplicated, however since then I have found another pension policy and written to them. They replied this week and said that there was a small sum (£200) in a 'Non-Protected Rights' and a much larger sum (£19,000) in 'Protected Rights'. My brother and I are the joint beneficiaries in the will but we expected that would be irrelevant since we assumed that only some small debts where left and nothing would remain to pass to us. But this puts the estate back into the black as the debts where about £13,000 leaving £6,000 total or £3,000 each. I have sent them the claim form and they are I think going to send me a cheque to distribute amongst the beneficiaries after clearing the estate debts. Now my question is I assume they will send me a cheque for the whole amount, I will then send cheque's to all the creditors and then one to my brother for the remaining £3,000 for his share. Because this goes through my bank account will it get me in trouble with the benefits agency for going over the amount where I have to tell them that I have more in my account than I'm allowed to have to claim benefits.?
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