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    • Hi on the notice of disqualification it lists the 2 speed offences and marks offence withdrawn? This is for both offences and then the other 2 is the MS90s which I’m fined for and the additional costs. R
    • Hi,    It has taken a while, but I have received an email from Auxillis -  hello, we are not dealing with this claim all we do is log accident for you isnurance - the claim has been passed to your underwriter markerstudy 0344 873 8183 as they are deal with fault cliams ion behalf of adrian flux. thankyou auxillis   I have made repeated attempts to phone Markerstudy in between working from home, struggling for energy and trying to find a cheap car so that I can keep my job (community support worker). Thankfully I have a supportive team and I am being given phone calls to make but it cant last too long. I had a severe migraine over the weekend and also have quite bad whiplash in my neck and back.    I found this in my insurance policy booklet -    Protection and Recovery If the insured vehicle cannot be driven following an incident leading to a valid claim under this section, we will pay: • the cost of its protection and removal to the nearest approved repairer, competent repairer or nearest place of safety; and • the cost of re-delivery after repairs to your home address; and • the cost of storage of the insured vehicle incurred with our written consent. If the insured vehicle is damaged beyond economical repair we will arrange for it to be stored safely at premises of our choosing. You should remove your personal belongings from the insured vehicle before it is collected from you. In the event of a claim being made under the policy we have the right to remove the insured vehicle to an alternative repairer, place of safety or make our own arrangments for re-delivery at any time in order to keep the cost of the claim to a minimum     I do about 20-25000 miles a year with the work I do, I have been getting quotes and putting that I have now have one accident and no no claims bonus and the cheap quotes from similar companies to markerstudy are more than double what i paid last year at 8-900 and aviva is offering 2600 which is simply out of my price range and more than the car i am looking at.  I am starting to wonder if it is even worth going ahead with the claim as i have no one to claim from. I have had no information from any of the enquiries I have made.  I have a full tank of vpower diesel in the car in the impound, i can strip it for parts and probably make what I will be offered by the insurance payout and get the money quicker.  As I have made contact and started the process can I back out, still keep my NCB and a claim free history? Also what happens with my injuries? I don't think there is any permanent damage but my dr refused to see me and just gave me a boat load of naproxen and codeine. What happens in the future if things don't get better and I cancelled this claim? Can you claim injuries off your own insurance because the other guy ran and you cant find him? I have tried to ask these questions off markerstudy but they keep me waiting for nearly an hour then end the call.    Thank you for your time and help.  It is really appreciated.  I am quite honestly on the floor, I have been really ill, in hospital, had nearly 6 months off work and only been back full time a few weeks and now this.  The fact the company you pay large sums of money to look after you in a time of need is also behaving criminally just makes you want to give up.    
    • Thanks for the response. Am I able to send you the documents I’ve received or can you message via instant message and I’ll send these? Reece
    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court. When you get there you can ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all meaning you will have to approach "specialist" (aka extortionate) brokers. So you really want to exhaust every possibility of avoiding MS90s if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
    • Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CSA and the armed forces


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Ive been in a long battle trying to get payments off my ex husband for our son.

after 4 years of waiting for the CSA to get off their backsides they finally "found" my ex husband and i was sent a payment schedule.

He defaulted on several payments so i contacted the CSA to be told they had put an attatchment of earnings order in place so he would not miss anymore payments.

Everything went well for a year then i noticed payments were coming in dribs and drabs into my bank account, £50 here then 2 weeks later another £50, but never the full amount he was due to pay me.

In october this year i never received any payments whatsoever so i contacted the CSA, like they tell you to do in their leaflets when you dont receive a payment, to be told their systems were down and to call back in 10 mins.

I called back to be told the person dealing with my case was on a tea break and call call back in an hour! wish my tea breaks were that long (was 9.30am when i called so wasnt lunch)

Anyways managed to get thru to them and explained all the dates id received payments and when i hadnt and told them that i couldnt understand why the money wasnt coming thru in one payment when an attatchment of earnings order was in place, in the days of poll tax i had one put on my wages so i know how they work/worked, and i was told that as my husband was in the armed forces they cannot "insist" that the MoD abide by their request, although any other employer would be taken to court for not sticking to the deductions order.

Since October i have received 4 letters/ payment schedules from the CSA each letter is giving me new dates on when i am due money and according to the letters im not due any money until February of next year! so ive got to scrape by for 5 months with no money from my EX!

CSA dont know why he isnt going to be paying anything till next february which is helpful of them.

This morning i have received a revised payment schedule, he has bred again!, saying my new payment schedule starts on the 10 October 2007, again no money has been received and again no one knows at the CSA why i have conflicting payment dates.

Are the members of the armed forces immune from any kind of repercussions if they dont pay child maintenance?

it seems to me that they are and even someone from the CSA said the MoD is a law unto themselves.

Ok so the CSA isnt perfect but surely the same rules should apply to all employers.

Maybe all the errant fathers who dont pay for their children should join the armed forces cos it seems your immune and can get away with it :-x

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Hi there i served for fifteen years in the army, (left in april) the one way you can get your money back is to write direct to his C.O or regimental pay office RAO. Send proof of all correspondence between yourself and the CSA and your ex (agreements etc) the army do not like bad debt and the money will be taken direct from his wages. I have seen this work first hand so you should get the money owed.

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Hi there i served for fifteen years in the army, (left in april) the one way you can get your money back is to write direct to his C.O or regimental pay office RAO. Send proof of all correspondence between yourself and the CSA and your ex (agreements etc) the army do not like bad debt and the money will be taken direct from his wages. I have seen this work first hand so you should get the money owed.

 

 

This is completely out of date and incorrect.

 

The official view is that since the Army is subject to the same Data Protection legislation as everyone else, debt is a private matter. There are specific military regulations covering the action to be taken by units receiving letters from creditors - and they don't include the unit acting as a debt-collector.

 

I don't doubt that there are still some units doing it the old-fashioned way, but that doesn't make it right.

 

In any case, CSA maintenance payments are dealt with by APC, not at unit level. There are special arrangements in place, (and they favour the CSA, not the soldier) and I suspect that the advice given by CSA in this case was wrong.

 

I'd suggest contacting the CSA again, or try the local branch of SSAFA.

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It is NOT completely wrong and incorrect!! this is exactly what was happening in the armed forces very recently when i was in. Some guys were opting to leave the army as they claimed they could not afford to stay in as the APC and RAO were on them immediately taking monies form their wages.

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Can't help I'm afraid but the CSA is the one thing the tory rabble did right, in theory anyway.

 

He's sounds like an absolute waste of a life to treat his son in this way and he sounds like ****.

 

Unfortunately, the majority of army personnel I have met, (I live next door to a huge base), are the worst kind of people one could ever wish to meet for various reasons.

 

Just horrible people in the most part.

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Fiyah, contact Livelylad via pm, he is a moderator and may be able to help, I have pm'd him the thread to this link

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thats a bit unfair AL ive served my country well and we shouldnt all be tarred with the same brush. There are some very good people in the forces doing a VERY difficult job.

 

Of course, although I did actually state 'majority' which means not 'all.'

 

Most of us locals avoid them and won't go into the pubs they use so they end up fighting between themselves.

 

I've worked with ex-army and they just seem to have an attitude.

 

Not all though!

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I know a lot of people who have an attitude problem..... and they're not all ex- service personel!

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Hi there i served for fifteen years in the army, (left in april) the one way you can get your money back is to write direct to his C.O or regimental pay office RAO. Send proof of all correspondence between yourself and the CSA and your ex (agreements etc) the army do not like bad debt and the money will be taken direct from his wages. I have seen this work first hand so you should get the money owed.

 

This above is incorrect.

 

This is completely out of date and incorrect.

 

The official view is that since the Army is subject to the same Data Protection legislation as everyone else, debt is a private matter. There are specific military regulations covering the action to be taken by units receiving letters from creditors - and they don't include the unit acting as a debt-collector.

 

I don't doubt that there are still some units doing it the old-fashioned way, but that doesn't make it right.

 

In any case, CSA maintenance payments are dealt with by APC, not at unit level. There are special arrangements in place, (and they favour the CSA, not the soldier) and I suspect that the advice given by CSA in this case was wrong.

 

I'd suggest contacting the CSA again, or try the local branch of SSAFA.

 

This above and below is the correct advice.

Contact the CSA with his regimental number his rank and his name. There is a liason offer who deals with the CSA, they will sort out any problems you have. As The Scarletpimpernel has said the CSA is in favour of the absent parent irrespective if they are male or female. The APC have no choice regarding the compulsary deductions from earnings. They have to comply its the law and as the MOD is a government department they do comply always and in my experience usually very quickly. I shall try and get the details of the person who deals with the CSA on the Army's behalf,they have helped me in the past.

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Hi thanks for your replies.

Sorry i havent been able to reply earlier but been busy with christmas and work.

after i made the post on here i made a complaint via CSA website and im still waiting for a reply.

Needless to say i still havent received any money off my Ex and yet again he didnt send his son anything for christmas not even a card.

I tried to make an appointment with my MP but hes on holiday for christmas and wont be back till the new year so looks like im gonna have to wait till then, but at least the replies ive received on here gives me some direction to go in on my own.

Thank you once again and i will keep you informed

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Just for completeness, this is from the CSA's own webite at action-we-can-take

 

If the parent gets benefits, pension or a War Pension, we will take the money direct from their benefits or pension. If they are in Her Majesty's Armed Forces and have failed to make their payments, we will send a request to the Ministry of Defence to take the amount owed.

 

and at Enforcement powers

 

If you are in Her Majesty's Armed Forces and have failed to make your payments, we will send a request to the Ministry of Defence to take the amount owed from your wages.

 

JSP400 is the military publication that contains guidance on how units are to deal with data protection, incidentally.

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i quoted the above regarding making a request to the MOD for payment but the CSA said they can only make a request they cant force them to make the payments as the MOD are a law unto themselves......any other employer they could force them to make the payments or take them to court for failure to comply to the deduction of earnings order.

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i quoted the above regarding making a request to the MOD for payment but the CSA said they can only make a request they cant force them to make the payments as the MOD are a law unto themselves......any other employer they could force them to make the payments or take them to court for failure to comply to the deduction of earnings order.

 

This may be the case, but the MoD will act upon the request.

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well result at last!

phoned the CSA today as they hadnt replied to my complaint to be told that yes there is an attatchment of earnings order in place and the money comes from my EX on the 7th of every month. i have to allow upto 10 days for the money to show in my account.

a payment has gone into my account today (and ive checked) for £504 but the CSA still dont know if thats the amount i will receive each month or if thats just a one off payment.

im off shopping now for my son to buy him a pair of trainers seeing as his current pair are held together with superglue.

it may be short lived the relief i feel right now at actually getting some money because he might just stop paying again and i'll be back to square one next month, but at least my son can goto school looking decent and i can afford to treat him!

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Excellent news. As the money is being taken straight from your ex's pay by the APC, he won't have any choice in the matter.

 

CSA still seem to be hopeless; they should be able to explain how the amount to be paid is calculated, whether it includes any arrears and so on. It is, perhaps, no wonder that so many errors are made when they can't get the basics right.

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You should have recieved a schedule of payments. This will inform you of the amount you are to recieve and how much of this is of arrears. I must admit though I would not hold out to much hope of the CSA getting it right. I recieved 3 shedules of payment in 2 days all for different amounts!

 

At least now you are getting what you are rightfully entitled to. :)

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