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    • Looking at the sentencing guidelines, the sentence, on the face of it, seems harsh – and a little confusing. From your description the offence seems at the lower end of seriousness. There are three bands of seriousness mentioned in the guidelines. From the least serious, the suggested sentences are:   A fine of half a week’s net income, and 3-4 points A fine of a week’s net income and 5-6 points A fine of a week and a half’s net income and 7-9 points (or a disqualification).   The sentencing guidelines are here:   Careless Driving (drive without due care and attention) (Revised 2017) – Sentencing WWW.SENTENCINGCOUNCIL.ORG.UK     From your description I can see no aggravating factors to push the offence up from the lowest band of seriousness.   The sum he has been ordered to pay is based on the highest fine – a week and a half’s income. Let me explain how I have deduced this. As well as the fine, the court will also order prosecution costs (normally £90) and a “victim surcharge” of 10% of the fine. When the court has no information about a defendant’s income a default figure of £440 per week is used. So, he will have been ordered to pay 1.5 times £440, so £660 by way of a fine, £66 Victim Surcharge and £90 costs. Total £816, as per his notice. The fine indicates that the court viewed the offence in the top band of seriousness.   The confusing thing is the points. If the court considered the offence at the top of the seriousness range, he should have received at least seven points, not six. He has also been sentenced on the basis of a Not Guilty plea (which is again the default when no plea has been entered). This means he did not receive credit for his guilty plea. This is normally a discount of one third off the fine (but not the points).   So much for an explanation of what’s happened. What’s to do? He faces some considerable difficulty here because of the length of time elapsed between his conviction and now. His only option is to ask for a court hearing to have the matter reopened.   He should be aware that the court is not obliged to agree to this and may not do so in view of the time elapsed. When making his request he should do so on the basis that the sentence does not seem to comply with the guidelines on two counts: (1) he should submit that the offence is at the lowest end of seriousness and (2) the sentence is inconsistent with the guidelines anyway (discrepancy between points and fine).   He also needs to contact the fines office as a matter of urgency. I am surprised he has not already faced one of the sanctions they mention by now but he needs to let them know he is asking for his case to be reopened. Once again, in view of the time elapsed, they may continue with their normal enforcement process anyway.    If he had dealt with this promptly it is my view (provided the court sees the offence at the lowest end of seriousness) he should have face a fine of half a week’s net income, reduced by a third for his guilty plea, a 10% victim surcharge (minimum £34), £90 costs and three points. That is the ideal outcome he should be looking for but, as I said, the court may not agree to reopen the matter at all. If they do, he may find his full discount for a guilty plea is reduced due to his tardiness. Do let us know how it goes.
    • Agree with Trevor Kavanagh, that the UK cannot afford a Government that is totally split and unable to take the decisive action required.   Government should act on energy price rises by directly providing additional money to help reduce bills.  The £400 announced so far would not be enough.   Reduce the VAT on domestic energy to 0%.   Universal Credit and other benefits need to be increased back to the level provided during Covid as a minimum.   Fuel duties should be cut.   Offer incentives to use public transport by paying subsidies to bus and rail operators that they need to pass on, to reduce fares.    Urgent action required,  Cannot wait until September for emergency budget.    
    • You wanted Boris out and not to interfere in government until he left   Again, I wanted him to go immediately.
    • Of course the article is being argued from a different perspective  The general consensus seems to be developing that none of the lockdowns should ever have happened and the money printing that they caused is now the majority of the reason for the current difficulties  It is also arguing in effect that Boris should never have been removed  So regrettably I don’t think that you can have it both ways  You wanted Boris out and not to interfere in government until he left I suspect the majority on here were overwhelmingly in favour of lockdowns. That wish has been granted, so wait until a new PM is installed and see what they propose In the meantime why listen to a man with Browns record whilst in office?.
    • Thank you for the responses ! It's not close by me,I will get photos if I go back,  I don't want to visit the place again after this to be honest.    
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Hi all


Just a quick question regarding Welcome finance ( if only id read this forum before signing up with them )


I took out a £5000 loan over a 4year period last August as i needed money and they were the only people who would give me some. I knew the interest rate was super high but its helped me build my credit rating up so im not too bothered. The thing i am bothered about is this ---


I have paid £ 1341.83 off this loan.always no time no probs/charges etc. I sent off for a settlement figure guessing it would be about £4500. Sure it meant id paid £750 in interest but im happy with that.

Got a letter back today and found out that my settlement figure was


£ 5,273,03 !!!


Thats £270 more than i originally borrowed !!!


Can the b45tards do this ??



Thanks for the help, im soo mad right now



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Thread moved to the correct forum.I understand your anger .....please use a little more restraint !!!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Hi Anthony and welcome (no pun inteneded ;)) to CAG


When you say August last year I presume you mean 2007?


I put your numbers in the OFT calculator DualCalc. 48 Monthly payments of £223.63 (calculated as 1341.63/6) on a £5000 loan comes out at an APR of 54.4%. So I presume this is an unsecured loan.


However, doing the calculation for a 6 month period with that closing balance gives a monthly interest rate of 5% and an APR of over 85% which means they must have added on a whopping early settlement fee.



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