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    • So - I continue to not pay any more?  Until they respond with the info I have asked for?
    • Hello and welcome to CAG. I'll move your thread to the Residential and lettings forum and leave you a link to follow from the Welcome forum.   I'm sorry to hear about your neighbour problems, people should be along to advise later.   Best, HB
    • Your only hope is asking for discretion on the grounds of well you didn't realise you had to pay online you expected a toll booth, you didn't see any sign of any penalty charge amount and basically it's your first time using this toll bridge and you were unaware of the process,.   In the past, for 1st time offence, Merseyflow have responded rejecting the appael but on this one occasion have reduced the penalty to the toll fee.   You might be lucky.
    • Yes, Manxman has put you on the right track.   You need to perform a Statutory Declaration (to declare, on oath, that you knew nothing of the court proceedings against you). You must do this within 21 days of learning about your conviction. You can either do so at a Magistrates' Court for which you will need to make an appointment. They may not be able to fit you in within 21 days but so long as you explain to the court that it was the earliest date available they will accept your declaration. Alternatively you can make the declaration before a solicitor. They may charge you a small fee (£5 - £10).   Once this is done the conviction you have (for failing to provide driver's details) is set aside. The prosecution will almost certainly start proceedings again and in many areas they are now doing so immediately following your statutory declaration. Ideally it would be best if you could see the prosecutor before the court sits (ask when you check in at reception) and offer to plead guilty to the speeding charge provided the FtP charge is dropped. It is a common deal which is usually readily accepted. Under no circumstances should you plead guilty to either offence until you have had the chance to discuss this deal. If the deal is refused you should maintain Not Guilty pleas to both charges. They cannot convict you of speeding (they have no evidence you were driving) and the trial for FtP will be held at a later date. You can then consider your position for that offence.   If they do accept your offer to plead guilty to speeding you might try asking if you can be sentenced at the Fixed Penalty level (£100 and three points) provided the speed is low enough (let me know the speed/limit and I will tell you if it qualifies).. Magistrates have guidance enabling them to do this which says this:   Where a penalty notice could not be offered or taken up for reasons unconnected with the offence itself, such as administrative difficulties outside the control of the offender, the starting point should be a fine equivalent to the amount of the penalty and no order of costs should be imposed. The offender should not be disadvantaged by the unavailability of the penalty notice in these circumstances.   But first things first - make arrangements to do the Stat Dec.
    • This is an article from a couple of years ago about how someone won against the council, but it does mention that there are two sets of signs.   https://www.dailypost.co.uk/business/business-news/driver-wins-appeal-over-mersey-13931137   HB
  • Our picks

    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
Stopthethieves

Bank Charges

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Is it just me or have they upped one of their charges from £10 to £15 already?

 

quote from http://www.which.co.uk/news/2010/08/metro-bank-which-qanda-with-managing-director-222509

 

How about overdraft fees?

The overdraft interest rate is a flat-rate 15%. If customers make payments or use cheques when the money's not there [in the current account], we will extend an instant overdraft. There's a paid-item charge of £10, capped at six times in a month. There's an unpaid item charge, where you put through a transaction and we're not in a position to pay it, of £5.

 

The difference between us and some of the big banks is that most of the big banks have a monthly fee, so the first time you go overdrawn it actually costs you £35. With Metro Bank it will only cost you either £10 or £5. The same interest rate of 15% is charged on authorised borrowing and instant overdrafts.

 

Terms and Conditions

 

https://www.metrobankonline.co.uk/Global/Important%20Summaries/IIS%20Current%20Account.pdf

Edited by Stopthethieves
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