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Everything posted by cal37

  1. Just checked with him,he signed it on premises.
  2. I thought it was enforceable. No idea if signed at home or not, i'll ask him later. Yes i know about the insurance. Thanks
  3. Anyone have a peep for me?
  4. Hell no, just this and 1 other page
  5. Sorry hope this works( sorted thanks for pointing it out)
  6. Hi, This is for my brother in law. I did a cca to tbi for a loan taken out in 2000 with HFC, had back the agreement and wondered if you guys in the know could have a look for me?Have washed all details Many thanks
  7. They have to keep the tachograph records but the tachograph has the drivers full name on it and other details so they might not let you have a copy( i know we wouldn't). Also to pick out the incident you describe would be hard for VOSA or the police to pin point, never mind yourself and the bus maybe fitted with a digital tachograph and to read this needs a specialist piece of equipment. Be aware also, that not all buses are required to have a tachograph record driving, I’m not sure of the details as i'm involved with trucks but as far as I’m aware if its acting as a service bus it does not need one but i stand to be corrected.
  8. WinRar by far the best i think WinRAR - Free software downloads and reviews - CNET Download.com
  9. Jed indeed there are only 2 cameras the last time i was up there but they also use mobile cameras too.I too have used the laybys to let others past, but as you will know,we wouldn`t get our runs done in our times if we pulled over at ever layby, so, you will always get people trying to overtake when its not safe to do. My point is that cameras do not always help and can at times make problems. Conniff, i`m not saying thats the way to do it but in times past we all respected the police and if one gave you a telling off, you took note of it.Now we all hate the cameras and have lost allot of respect for the powers to be over them.( and all the other ways the powers to be dream up and parting us with our cash ) These days its all about targets,paperwork etc and they have no time to police like we'd all like them to do.As TD27 said, we need more police on the roads, not more cameras.
  10. Points on your licence have lost allot of relevance. My family have fun trucks for many years and I too have driven HGV`s for 23 years (with only one conviction but that’s more luck I guess). Not too long ago we wouldn`t touch a driver with more than 3 points and even if they only had 3 points they would have to be a very good driver for us to take them on. These days we take on drivers with a max of 9 points and it’s not only us, just look in the job centres, the papers, most if not all say a max of 9 points. The things is, not long back, to get more than 3 points, you had to be a pretty bad driver, now its bloody hard not to get some points if you cover the sort of miles an HGV driver does. There are a few single carriageway roads( A303, A9 to name two ) throughout the UK that the police used to want HGVs to drive at 50mph which is over the limit( 40 mph ) as it helped with traffic flow and stopped car users getting frustrated and trying to overtake when its dangerous. Now with the cameras in place, HGVs stick to 40 mph and there are problems, anyone who has used the A9 knows this. Cameras have their place in really dangerous stretches of roads but the powers to be just use them to make money, so they now popup everywhere, a bit like daffodils on the sides of roads. It’s time we got back to good old policing, a time where a police car would pull alongside me, doing 60 on a dual carriageway (Limit 50 ) and sign me to slow down. We now spend far too much time, looking down at our speedos, making sure we are not above the speed limit, instead of looking at the road and that is far far more dangerous than someone slipping slightly above the speed limit.
  11. I believe you can exchange a full EU licence for a full Uk licence for a fee. There is no need to take a test
  12. Manchester is ok, think of all the lovely things about it..............the M56, M60 and the A580 all speed you out of the place
  13. Possibly, for bring the company into disrepute, though I think it’s unlikely they will try and if they do I’d expect a good union to win. It’s a private car park, from what i understand, there is very little they can do except write threat-a-grams to you, which I’m given to understand is very hard toilet paper and plays hell with your piles. So its best you ignore and bin the said threat-a-grams
  14. There are many a case that’s made the papers about people just holding a phone, one where the guy just looked at the time and could prove that no calls or texts had been received or made. Other reports of people getting fines for eating a mars bar etc. There was even a case not long ago, where a woman was in court for holding her phone and sentenced to 3 months. The reason........ she hit and killed a push cyclist at a set of traffic lights. Now i was like many was thinking not long enough etc, until that is, one reporter pointed out that the cyclist had jumped the red light and the police report noted that even if she had not been holding her phone, she could not of avoided the cyclist.Holding the phone had nothing to do with the accident, yet she was still convicted. So let’s not judge, there is not many of us who hasn`t used a phone, eaten an apple, mars bar etc, Not many that hasn`t turned round to the kids and told them too shut up. Very few of us are whiter than white. The nanny state is starting to go too far these days, there no longer any common sense used by the authorities. I just wonder where its all going to end, soon it will be illegal to sneeze in the streets .
  15. Big hug from me too pebbles. I know you think there is no light at the end of the tunnel but believe me there is. I too have felt like you (not over debt), except I tried to kill myself. It’s not the answer I promise you. Speak to your GP, these days they are fantastic, before long, you will see that you might owe loads of money but you still have a lovely daughter.
  16. We just did one for our son. We used the post offices check and send. We were not asked to attend an interview and according to a friend who works for IPS its very unlikely a child ( under 16 ) would be called for an interview. As for the countersign: Our Doctor charges £20 for it but we were lucky. We had a friend own a Limited company do it.The passport came in a week.
  17. Hi first post on this forum. I sent a cca request for my brother in law to Lloyds TSB. They responded with this letter ]http://i709.photobucket.com/albums/ww96/cal37/Lloydsletterp1.jpg http://i709.photobucket.com/albums/ww96/cal37/Lloydsletterp2.jpg And the cca here http://i709.photobucket.com/albums/ww96/cal37/ccafront.jpg http://i709.photobucket.com/albums/ww96/cal37/ccaback.jpg Signature is there Can anyone tell me is this is enforceable or not and if not can someone suggest a letter to send in response. Many thanks
  18. I think I might have left asking for the Audit trail in the appeal hearing to see how much or if indeed they choke
  19. Totally agree with you but sadly not many follow this. I had a bizarre case once where a member put in a grievance against his dept head. It was the same dept head who heard the grievance as it was in the company disciplinary and grievance procedures that the first hearing is always head by the dept head . Ok the member appealed and this was heard by the assistant general manager and the member won his grievance. We had to ask, how he was ever going to get a fair hearing in the first place! However as pointed out to us, the appeal process is in place to cover this :confused:.
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