crem
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Everything posted by crem
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Surely "Speeding and Motoring Offences" section would be better honeybee? btw Rugbypete, the pics are too small to read.
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Please Help - Red/Amber Traffic Light issues.
crem replied to bash83845's topic in Speeding and Motoring Offences
Amber means stop unless it would be unsafe to do so. -
Maybe there was some other small discretion that caught their eye on your car that they felt a digicam photo would surfice for if progressed to procecution. for example, a couple of years ago I passed a speed van and although I knew I wasn't speeding (the DSA would be very upset if I was ) I got a letter a couple of days later and thought wtf! then when reading it I realised they were warning me on my number plate not being correctly alined and stated I had to get it corrected or if seen again I would be fined and/or procecuted. Could there have been something of concern like this on your car?
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If MYLHD is posting in an official company capacity, shouldn't his username have been verified by admin and then highlight in green so that members are aware he/she is an official representative of a company?
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Dave could you confirm exactly which "slip" you sent to the DVLA. i.e. it should have been the yellow section 9, noted as V5C/3 which confirms you have transferred the vehicle to a motor trader. If you used the wrong slip, then the DVLA will undoubtedly pursue you to beyond the grave and demeand that you be hung drawn and quartered for this henous crime!! If you definately used the V5C/3 to notify them, then confirm this to them and adamantly stand your ground on your innocence despite their threats of court etc.
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I think the most offensive thing in this entire thread has been the abusive language from BanditQueen! If he/she finds the discussion in this thread to be so bad then perhaps it would be best for BanditQueen to simply avoid it and read/post only in threads that are less likely to curdle their blood.
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that reason to seize a vehicle seems a bit thin I think. If I said to the officer I may drive to the pub later but I'll try not to have too many to drive home afterwards, do you think he should have the power to seize my car there and then "to prevent a future offence"? I only said I MAY do so and I MAY inadvertantly end up over the limit but I don't think that would qualify as grounds to seize. In this case, the OP only said he MAY use it for work later. If the officer had by then already checked that the insurance wouldn't cover this, surely he could simply have advised to OP of this that he cannot use it for work later coz it won't be insured.
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why does he need to pay £20? He has a valid reason to be able to request a change of address. Such changes are free of charge. I agree he should get it changed now, but don't give them 20 quid for nowt!
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I have generally found the norm on a new policy to be they request 10% of the total quote and then are prepared to go monthly on the balance. upon renewal of such a policy they then accept doing the whole thing on a monthly basis as they now have a history on you.
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There would be nothing wrong with your brother buying and insuring the motorhome, provided he correctly declared the details and experience of the MAIN DRIVER of the vehicle which would of course be your partner. You may find it more convenient for the paperwork side of things to do this and there is no issue on the insurance as they would be able to correctly assess (and charge for!) the higher risk they may deem to be applicable with a foreign driver.
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what help do you need that you didn't get above? Several people have confirmed that you can get a new licence for free by requesting a change of address. This is perfectly legal to change your address back to your parents home. Indeed, I think most students never change it away from the "main" home when they go to university anyway. Such a change usually is completed in about 2 weeks or less. Regarding removing the points in August, again, I asked the question as to why you felt you needed to remove the points at all? They are already invalid for the purpose of "totting up" so having them physically removed from the paper bit of your licence is more a vanity thing than any legal requirement. Whether they remain on there for an extra month, a year, or 10 years makes no difference from a legal point of view. they are expired and have no relevance should you be unfortunate enough to have another run in with a court.
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Your driving licence only has to show an address that you can be legally contacted at should it be necessary. Very few students change the address on their DL to their study address and just leave it recorded at their (normal) home address where, presumably, your parents still live full time. There is nothing wrong, therefore, with doing the change of address now which you can do on-line to be quick nd efficient. Why do you want to change the licence again in a few months time just to remove the points entry? There is no need to do this at all as it doesn't affect the validity of the licence in any way. If the points are expired then they are expired whether they are still written on teh licence or not. btw, if you are entitled to remove them soon then they must already be expired in terms of a legal stance. eg a typical SP30 speeding code would be valid for 3 years but remain on your licence for 4 years. If you are coming up to the 4 year mark so that they can be removed, they have already become invalid from a legal "totting up" point of view. Your insurance is different in that the insurance company need to know where the car is normally parked so that they can correctly assess the risk to them of damage/theft etc so you are right to keep that detail recorded at your student address. It does not have to match your driving licence address. Change licence address here:- https://www.gov.uk/change-address-driving-licence
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The garage are providing "their customer" with a loan car and I don't think it will be seen as unreasonable that they only agree to insure "their customer" to drive. How long are you expecting to have the loan car for and is it really so important that your 19yo son is allowed to drive? If it is, you could speak to your existing insurer and ask if they will extend your insurance to cover the loan car for the period you have it for, then don't forget if they say yes, that you will have to check that the garage find that an acceptable way to insure their car.
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And the moral of the story is... whenever car takes on a bollard, the car always loses!!
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HELP - Were we ever insured to drive car
crem replied to sirbob10's topic in Vehicle retailers and manufacturers
Interesting. So they say the insurance would have been void, but I am sure they haven't offered to repay the premiums to you for this period when the insurance alledgedly wasn't in force!! -
ericsbrother, how do you conclude that from the information given?
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That's good to know that they haven't got hold of your Vectra yet, so they only have £100 of your cash. I know they have said they will refund this also but being a bit sceptical I wouldn't hold my breath that they do. If they don't, at least it's only a small loss that you can put down to experience. You could sue them for it if they don't pay, but, on a cancelled order I think they would be able to justify witholding a "small" amount for lost administration cost and car prep etc. I think a court would accept £100 as being a "small" amount in this case. See what happens come Friday.
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I think the line I have highlighted above is where you have given yourself the confusion. He was never going to reduce the cost of the new car from £4,995 All he is doing is "playing with the numbers" so to speak to get to where you think you are getting a good deal and he is making the right amount of profit too. eg In the back of his mind he knows he's making a profit if he sells at £4,500 but he adds £495 on as a bargaining value. I walk in with no p/x and cash in my pocket and "haggle" with him down to £4.600. I think I've done a cracking deal saving £395 and the dealer is laughing all the way to the bank coz he made £100 more than he expected. same car now but you have a p/x that you think is worth about £500 car is priced at £4995 just the same as before and he offers £300 for you car (he knows he can sell it for £500 tomorrow) You refuse and drive a hard bargain up to £695 which is more than it's worth really. He still knows he can sell it for £500 tomorrow so will lose £195 on that bit of the deal. However he doesn't offer any discount off the new car at £4,995 so he knows he had the "extra" £495 he addded to the ticket price to play with. So the £695 is as good as cash in your pocket and pays the first bit of the £4995 bringing the balance needed to £4,300 which comes from the finance company. So in summary he is going to sell you a car for £4995 plus sell your car for £500 making his income £5,495 then give you £695 making his net income £4,800. He's just made £300 more money on the deal than he expected when he first thought of selling the Astra for anything over £4,500, but you both think you have won and are happy with the deal!
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I have explained it as clearly as I can using example values and it would appear nova2005 is now managing to follow the mathematics. If he hadn't I would have attempted to explain the calculation in another fashion. The only person throwing in sarcastic comments appears to be you matt v atos which don't seem to be helping the nova2005 at all. Please feel free to offer nova2005 any assistance and advice you think may be useful to his understanding, meanwhile I will continue to help him with the logic of the document.
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yes of course it does, because it still classes as a "payment" which you hae already made by handing over your car. You car is "worth" £695 so by handing ove rthe keys you are making an initial "payment" (or deposit if you want to think of it like that) of £695 from the purchase price of £4995. Having "paid" this £695 you still need to borrow £4300 to purchase the new car.
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The £695 has to be shown on that document because it is a statement of the TOTAL costs or fees you are paying. You say the car costs £4995 and the document shows you are borrowing £4300 so where do you think the difference of £695 is being paid for? It is being "paid" with your car trade in being valued at £695. So, in absolute total, you are going to pay 35 x 151.95 = 5318.25 plus 1 x 310.95 = 310.95 (normal month payment plus the 199 fee) plus p/x 1x 695 Total £6324.20. In cash terms you are only paying from now the 36 x £151.95 plus the £199 finance fee
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Insurance co. saI am at fault. I don't think I am!
crem replied to tcrawle's topic in General Motoring Issues
I think I would have to agree with the general concensus in that although you can complain about how (badly) the van may have dealt with the speed bump, it wasn't in itself illegal to position for the bump in the most comfortable position. It may have been unwise to do so near a junction but the van was on the main road and had right of way on an apparently clear road at the time. To quote one of our corny driving instructor type of phrases we would teach "never put your car where your eyes haven't been". -
Have they already got hold of your Vectra at the moment? Getting it back now will be far harder than if it was shown on the deposit paperwork but stillin your possession
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Yes. The "1/2 way point" refers to the VALUE of the payments, ot the term of the payments. So if, for example, you had paid a £5,000 deposit, you are already well on the way to the 1/2 way value even before you pick the car up. You also don't have to have paid 50% of the value when you VT the car, but of course you will have to pay them the shortfall to get to that value. i.e. you can terminate now, but you will owe them the difference between your payments to date (including deposit) and the £14,775 they say is the 1/2 value point. Also, make sure you are clear that you are "Voluntary Terminating" the agreement and not doing a "Voluntary Surrender". They may sound similar but they are totally different in law! A VT is a legal option you have to end the agreement as denoted by a clause in the document and as such you owe nothing else and your credit file is unaffected. If you VS the agreement it means you simply want to give them the car back coz you can't afford the payments maybe, but it also means you are still liable for the full £29,000 cost. They will take the car, sell it (at a loss) then send you a bill for the difference to get to the £29,000. I am sure this isn't what you want to happen!!
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The (pretty much worthless) warranty that they supplied with the car does not supercede your rights under SOGA, and as you had only had the car a couple of hours, there should be no doubt the fault existed at teh time of purchase making it the dealer's problem to resolve.
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