Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



+ Reply to Thread
Results 1 to 16 of 16
  1. #1
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    GAVBU28 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    Posts
    212

    Default I'm sure I'm banged to rights but......

    Can I start this thread by saying that I've never had any motoring offences, other than points, in 20yrs of driving. I've always had insurance, MOT and tax.

    Tonight I was pulled over by the police for not having a valid insurance policy, it was discovered I also had not MOT and Tax. To add insult to injury my license was revoked in 2006 after I sent in a picture license version 18 and a paper license version 19.........

    I feel ashamed and disgusted by what has happened tonight, I could have had an accident and hurt someone which isn't worth thinking about.

    My defence to the police officer, afer he breathalised me 3 times, was that simply due to trauma in my life I simply took my eye of the ball. I earn enough money to able to pay all these bills but simply it just went unoticed on my part due to sever family trauma which has obvioulsy effected me more than I realised.

    Everything ran out last month, although my license was revoked in 2006.

    Can anyone give me some advice on what I need to do. My car has been taken away and impounded. If I need to pay in full then so be it, was my fault.

    Thanks in advance.



    Similar Threads:

  2. #2
    Site Team dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
    Posts
    25,034

    Default Re: I'm sure I'm banged to rights but......

    be honest
    put your cards on the table and go and get everything sorted.
    although the police are not social workers [though me and others will strongly dispute this sometimes!]
    go up the station and have a wee chat with the desk clark, they will be able to advise you on your best course of action, so as not to make the situation worse. [ i'e it would be stupid for you to get the car back, keep it parked on the road with no tax. mot or ins or no licence either {but this last bit makes little diff}]

    as you cannot get it taxed without mot/ins which you can't get because you have no licence at present, i'd be inclined to SORN it, park it off the public highway, while you get things done.

    a revoked licence is no too diff to remedy - then go from there.

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam

  3. #3
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    tronny Novitiate tronny's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    May 2008
    Posts
    91

    Default Re: I'm sure I'm banged to rights but......

    as you were driving with no insurance i summise the plod will be doing you for driving without it, 6 to 9 points straight away in court, also forces now have the power to not only impound uninsured vehicles but also to crush them.... speak to a brief m8 re any advisable course of action.


  4. #4
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    GAVBU28 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    Posts
    212

    Default Re: I'm sure I'm banged to rights but......

    Thanks for your help so far.

    The police officer has been great about things and agrees that it was clearly just forgetfulness on my part after a difficult time. He also added that he will be putting a note on the report to state this and tell the CPS that I’ve now rectified my mistake.

    I recall him saying 6 points and £200 fine which is just the last thing I need right now…….

    Got £60 for no MOT, £105 for taking car away and £15 day storage. I’ve been in constant conversation with the police since Friday and each person has told me a different story regarding getting my car back. I’ve now got insurance but no certificate, my brother is going to drive me car home for me as a named driver on my policy, but some say they need the document, some say if its on the police computer they’ll release it. Now getting through to the correct department is just a nightmare full of contradiction and inconsistent advice.

    THIS WILL NEVER HAPPENA AGAIN!


  5. #5
    Site Team Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    I am in
    the computer room.
    Posts
    9,331

    Default Re: I'm sure I'm banged to rights but......

    You don't say you have an MoT, and it will not be legal to drive it home without one, they may be waiting outside the pound to stop you again as soon as your wheels him the road.
    That also counts for not displaying a valid tax disc either so your brother could get stopped on the way home and he also will have some points put on his licence.

    In fact thinking about it, the car could be impounded all over again if he should get stopped and then you will be back to square one only both of you will be out of pocket.

    Trading Standards wants your help

    Dubious website businesses
    Conterfeit alcohol and cigarettes
    Illegal sales of alcohol, tobacco, knives & fireworks to children
    Cowboy builders or tradesmen
    Car clockers
    Counterfeiters
    Aggressive selling

    http://www.ripofftipoff.net/

    Never phone or accept phonecalls from debt collection companies.

    If you don't believe you can win, there is no point in getting out of bed.
    _________________________ ________________
    _________________________ ___________________


    The Consumer Action Group needs help to cover its expenses.
    You could help by making a money contribution to-
    to http://www.consumeractiongroup.c o.uk/paypal.php?go=donate

  6. #6
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2006
    Posts
    5,029

    Default Re: I'm sure I'm banged to rights but......

    Quote Originally Posted by Conniff View Post
    You don't say you have an MoT, and it will not be legal to drive it home without one, they may be waiting outside the pound to stop you again as soon as your wheels him the road.
    That also counts for not displaying a valid tax disc either so your brother could get stopped on the way home and he also will have some points put on his licence.

    In fact thinking about it, the car could be impounded all over again if he should get stopped and then you will be back to square one only both of you will be out of pocket.
    Easily sorted.

    Get an MoT appointment arranged and booked in writing with a test station and driving the car from the pound to the MoT and from the MoT to home is fine without VED or MoT, as it is an exempt vehicle - all that is legally required is insurance.


  7. #7
    Site Team Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    I am in
    the computer room.
    Posts
    9,331

    Default Re: I'm sure I'm banged to rights but......

    Oops - forgot to say that bit, cheers Pat.

    Trading Standards wants your help

    Dubious website businesses
    Conterfeit alcohol and cigarettes
    Illegal sales of alcohol, tobacco, knives & fireworks to children
    Cowboy builders or tradesmen
    Car clockers
    Counterfeiters
    Aggressive selling

    http://www.ripofftipoff.net/

    Never phone or accept phonecalls from debt collection companies.

    If you don't believe you can win, there is no point in getting out of bed.
    _________________________ ________________
    _________________________ ___________________


    The Consumer Action Group needs help to cover its expenses.
    You could help by making a money contribution to-
    to http://www.consumeractiongroup.c o.uk/paypal.php?go=donate

  8. #8
    Site Team dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
    Posts
    25,034

    Default Re: I'm sure I'm banged to rights but......

    great news.

    you are correct about the ins, they might check, but either way you are legal.

    it would be silly & to be quite honest, very unreasonable to pull you for no car tax, as the situation you are in prevents it , as such.

    you have the proof that you are sorting things, so keep calm & go from there.

    But DON'T be tempted to drive it yourself, it will be on the ANPR as a yabba dabba doo.

    When you get your licence back, it might well be an idea to go produce it at the station - even if you were not given an HORT1 , [a producer,] that way the flag will be cleared.

    good luck and i hope you have a happier life.

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam

  9. #9
    Site Team Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff Authoritative Conniff's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    I am in
    the computer room.
    Posts
    9,331

    Default Re: I'm sure I'm banged to rights but......

    Not sure I understand what you mean by - either way you are legal ??

    'Unreasonable' is the second word in the DVLAs training manual, 'money' is the first word.

    Trading Standards wants your help

    Dubious website businesses
    Conterfeit alcohol and cigarettes
    Illegal sales of alcohol, tobacco, knives & fireworks to children
    Cowboy builders or tradesmen
    Car clockers
    Counterfeiters
    Aggressive selling

    http://www.ripofftipoff.net/

    Never phone or accept phonecalls from debt collection companies.

    If you don't believe you can win, there is no point in getting out of bed.
    _________________________ ________________
    _________________________ ___________________


    The Consumer Action Group needs help to cover its expenses.
    You could help by making a money contribution to-
    to http://www.consumeractiongroup.c o.uk/paypal.php?go=donate

  10. #10
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative patdavies Authoritative

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2006
    Posts
    5,029

    Default Re: I'm sure I'm banged to rights but......

    Quote Originally Posted by dx100uk View Post
    But DON'T be tempted to drive it yourself, it will be on the ANPR as a yabba dabba doo.
    Doesn't matter who drives it. If it's flagged on the PNC database then it will alarm with any driver. ANPR works on the VRM.


  11. #11
    Site Team dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
    Posts
    25,034

    Default Re: I'm sure I'm banged to rights but......

    yep thats what i said pat, if its on the road it will be flagged, so will be pulled, so if he was stupid enough to drive it without a licence, then things would get really bad.
    by going to the poice station as producing, it will doubly makesure the flag is greened.

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam

  12. #12
    Site Team dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
    Posts
    25,034

    Default Re: I'm sure I'm banged to rights but......

    Quote Originally Posted by Conniff View Post
    Not sure I understand what you mean by - either way you are legal ??
    well the ins will be on the database & the document is on the way, so he has covered it twice & got his brother on the policy good move!


    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam

  13. #13
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    GAVBU28 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    Posts
    212

    Default Re: I'm sure I'm banged to rights but......

    I've now been given a release by the police because my insurance with brother as a named driver is on the police system.

    The storage compnay is only open between 9-5pm so thats our next hurdle.......

    I'm rather worried about the points and fine though........

    Thanks for all you help people, lesson learned.


  14. #14
    Site Team dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
    Posts
    25,034

    Default Re: I'm sure I'm banged to rights but......

    i think you will have the chance to state your case in court if it goes that far?

    or you could send a pleading letter, i think in your case it may well help.

    however, & i must be honest here, i think the punishment is light, compared to what it could be?

    i'll let other guide me on that one though.......

    good luck

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam

  15. #15
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    tifo Informative tifo Informative tifo Informative tifo Informative

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2006
    I am in
    Lancashire
    Posts
    2,713

    Default Re: I'm sure I'm banged to rights but......

    Quote Originally Posted by GAVBU28 View Post
    My defence to the police officer, afer he breathalised me 3 times, was that simply due to trauma in my life I simply took my eye of the ball.
    Not being nasty here or anything, but what if we all said this everytime we got caught doing something wrong?


  16. #16
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    Bernie_the_Bolt Informative Bernie_the_Bolt Informative

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2007
    Posts
    2,116

    Default Re: I'm sure I'm banged to rights but......

    Quote Originally Posted by tifo View Post
    Not being nasty here or anything, but what if we all said this everytime we got caught doing something wrong?
    Many people do. It's called mitigation and is perfectly proper.



Browsealoud
Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE