its annoying that all im asking is for some advice and everyones getting all high and mighty, but when someone asks how to find loopholes in paying debt that they have taken out and spent, everyone wants to help. i got a ticket for driving whilst holding my phone, most people are on here because they have lived above their means and now cant afford to pay off the debt they have got.

let me make it clear fifer (edit), i was not on the phone. i was holding the phone in my hand. i was not on here to get sympathy or to try to get of with it. the fine was paid within 2 hours of getting the ticket. all i was asking was how does the case stand up as it is 1 persons word against another. you have made 8 posts fifer(and yes i know i have only made 4) so without being rude, my question was no aimed at you. f(edit) people drive every day, holding as well as lighting cigarettes, so why is it illegal for me to hold my phone in my hand? dont worry about replying , i just wanted to make it clear what i was asking.

sorry all, dont want to sound like some idiot thats just on here to get out of paying driving fines. i just find it annoying that i get a £60 fine and 3 points and its only 1 persons word against mine.

i wasnt talking on the phone, ive got a parrot hands free kit in my car. i had only been driving 20 secs when they pulled me over. i had just pulled away, i had the phone in my hand because i had just taken a call while i was parked. the officer didnt log the exact time he pulled me over so i couldnt use my call register to prove i was not on the phone. im not trying to get out of paying, ive already paid. just want to know if i should have paid.

Do the police not need photographic evidence to charge you with talking on a mobile while driving? Does more than 1 officer need to witness the incident? Why is the offence code on the ticket different to the offence code the dvla use? Thanks for any help you could give.

Hi all, i'm new to this site. Thought i would ask if i could be pointed in the right direction to find out if my loan/card agreements are valid? I have agreements with Alliance and Leicester, barclays, and mint. All agreements where taken out 4-5 years ago. I have not got a clue were to start! Any help would be much appreciated, even if its pointing me to similar threads. Thankyou