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    • Dear Man in The Middle   Actually I should be thanking you   I have been impressed by your kindness your professionalism and your prompt reply   I very much thankyou for your thorough reading through my case and pin pointing every point   I was thinking of appealing the fine aspect of the sentence but you have made everything much clearer and it makes me feel better     Cant thank you enough for being so helpful and may you be blessed
    • HB.    What's wrong with" Girl done good"?  Not tripped over one of those politically correctness bumps have I.    We say, " boy done well or good", dont we? perhaps, well I do. Oh dear.   Apologies wherever necessary.
    • Hi    yes i already have -    the agreement  Notice of assignment  statement - but not fo complete period  2006-2016, and this is just printed on plain paper      So i will just request the Default notice and full statement on the CPR Form 
    • Thanks for the feedback. A couple of comments:   1. Before Magistrates arrive at court they have no idea what sort of offences they will be dealing with or who they will be dealing with.  They are given a list of defendants and the charges against them on arrival and that's it. Their Legal Advisor (the person sitting in front of them and facing the court) runs through that list before the court begins, but only to point out anything unusual or anything in particular they need to know. In a traffic court there is not usually anything to tell them. They have no papers given to them about any of their cases (except occasionally when dealing with trials or probation reports) until the case is called on. They rely on being provided with any papers they need by either the prosecutor or their Legal Advisor..   2. Your fine is based on your weekly net income and no account of expenditure is normally taken. It is asked for so that, should the defendant ask to pay in instalments, some idea of how much per week or month he can realistically afford can be gained. Actually, your fine was not harsh. On the contrary you were treated rather leniently. The guideline fine for 76 in a 50 is one and a half week's net income. £6,200 pcm is £1,430 pw. So your fine should have been £2,145. Your guilty plea would knock it back to £1,430 - one week's net income, as I mentioned in an earlier post. In addition to that you would pay £143 in the form of a "Victim Surcharge" and £85 towards prosecution costs - so £1,658 in total. Had you pleaded Not Guilty and been found guilty at trial (a near certainty from what I remember you told us) not only would you have lost the discount on your fine but you would also have paid £620 prosecution costs. A conviction following a trial should have cost you £2,145 (Fine) + £170 (VS) + £620 (Costs) which equals £2,935 (the maximum Victim Surcharge for offences committed before 28/6/19 is £170).   Other than that I'm not surprised they asked why you would prefer a ban instead of points and even less surprised that they chose points over a ban. I doubt your presence made any difference at all (which, again, I suggested earlier that it probably would not). Sentencing for speeding is very prescriptive and there is rarely any mitigation or other factors surrounding the offence or the offender which would significantly influence the outcome. Speeding becomes a very expensive business when cases come to court, especially for those on high incomes and very often a "view" is taken by the Magistrates that the calculated fine is a "bit steep". That's probably why you were cut some slack.   One other point which will probably upset you more than help (but which I think it is important you are aware of). Had your recorded speed been just one mph lower you would almost certainly have been offered a fixed penalty (FP) of £100 and three points. FPs are normally offered up to 49mph in a 30 limit, 65 in a 40, 75 in a 50, 85 in a 60 and 95 in a 70.   Thanks again for the feedback.
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Question about Halifax Banks new overdraft fees!

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I've not been able to find out any other information on the question I'm about to ask so I'm hoping someone here may have heard or actually knows the answer to my question.


If you are in within your authorised overdraft, do halifax take the £1 every single day or take a lump sum from the account on the last day of every month?


The reason I ask is that my partners account is overdrawn for some of the month but not overdrawn at other times of the month what with Tax Credits and Child Benefit being paid in on a weekly basis so I would assume if they are going to take £1 each day instead of a lump sum at the end of the month that for the days the account is in credit there will be no charge for all of the days it's in credit but as soon as it goes back in the red they will start charging again.


I know the above question sounds stupid and I've kind of answered it myself but it's the part where I'm asking will it be a lump sum taken at the end of the month or will they really take £1 each and every day people are overdrawn I'm wanting an answer to.


Also on the Halifax website it says with the Ultimate Reward Account if you have an arranged overdraft there will be no fee upto the first £300 into the overdraft then after that an EAR (Equivalent Annual Rate) of 19.5% if over £300, so what exactly does this 19.5% add upto say on a monthly basis based on having an overdraft of £600 and let's say almost always give or take £50 that people will use almost all of the £600 overdraft because you have to also take into account the £12.50 charge for having the Ultimate Reward Account in the 1st place which would cost £150 per year, but that sounds like it would work out cheaper than paying £1 per day over 365 days as £150 is a lot less than £365 obviously, it's just this 19.5% EAR I'm wondering about as it clearly states with the Reward Current Account you pay £1 a day Up to £2,500 then £2 a day over £2,500, but it doesn't say that in the Ultimate Reward Account section here Halifax - Bank Accounts UK - Banking Account - Open a Bank Account Online very confusing to say the least.


Thank you :)

Edited by Labtec81

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I was wondering the same thing but googled and found this


Your new Halifax Current Account


scroll down to just over halfway and there is this


"When are fees taken from my account? Can I change this date?"

We take the daily overdraft fees from your bank account on the last day of the following month. You'll know the amount we’ll take because we’ll send you a statement at least 14 days before. We'll also send you a statement the month after you use an overdraft, regardless of how often you normally receive statements. These dates are the same for all customers and can't be changed.


Hope this helps.



August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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