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sorry posted my reply same time as you. our debts are not credit card/loan related so no PPI is not applicable. debts are due to trying self-employment in the construction industry when the recession hit us first time round and 6 months of no money coming in. rent, council tax, bank overdraft charges, owed NI fee's

here's another point the letter is worded a "mechanically propelled vehicle", correct me if i'm wrong but if a vehicle has no engine it is no longer mechanically propelled thus is not a mechanically propelled vehicle but just a pile of scrap metal?

what sort of fine can be expected for this, at the bottom of the letter it says upto 1000 pounds level3 ??? If they fine us this much then we will have to plead hardship as we are already upto our eye's in debt

I was not informed about this new law, nor did I receive any letter offering me the chance to pay 100 pounds!

hello, I have been advised by a friend to join this site and explain to you for help and advice as I don't know where to turn and feel completely stitched up. I received a letter the other day telling me I have to appear at Swansea magistrates court to answer a charge that I am the registered keeper of a vehicle that does not meet insurance requirements cont. to section 144(A)1 of the road traffic act. Firstly I tried phoning swansea mag. to see about getting the case moved to Cardiff as I cant afford to get to swansea never mind afford to take a day off for it, this failed as I have no contact number and never managed to get through to the right dept. My car that my G/F uses had problems with the engine so was taken off the road whilst another engine was located, my mate sold us a golf for pence just so she wasnt left without transport, the insurance was transferred over to the golf while the sierra awaits a new engine, the car was stored on my private drive with no engine and the disabled tax remained on it I saw no need for a sorn as that would have meant we would have to surrender it until repaired and then re-apply etc. The golf is now history and the sierra with it's new engine is back on the road... then I get this letter saying I have to go to court, until this I was not aware of this new law saying I had to still insure any car I own even if It's not being driven! when did they sneak this in and how come they never informed me, surely this is not legal and is classed as entrapment? If a company offering a service changes their terms and conditions they are legally bound to inform us of any changes, so why is this any different! We are living on the breadline and struggling to make ends meet so the threat of any fines will tip us over the edge (not that anyone cares). I have read some posts by others regarding this and they have said about a letter first offering a fine of 100 pounds... we have not had any such letter, the first we hear about it is the court letter! please help