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    • For offences where a ban or points are appropriate, provided the speed is not "excessive", points are the usual option provided there are no "aggravating circumstances" (such as driving an HGV, near a school, very bad weather, etc.). This is especially so where the driver has a clean licence. Your offence falls into the middle band (of three) of seriousness. It is only the top band (speeds > 40 in a 20 limit, >100 in a 70 limit) where the "excessive" issue comes into play. I would be most surprised if you were banned for that offence and even if you were it would only be for a short period, say seven to fourteen days.   You can see the sentencing guidelines here:   Speeding (Revised 2017) – Sentencing (sentencingcouncil.org.uk)
    • have you been reading up here on CAG as advised? use our search top right claimform loan PDL   researching whats to come and how to do it.? i mentioned IRL  have you looked at that?   you MUST file a defence by 18th december no matter what happens   post your ideas up here 1st well in advance?
    • Thanks for your detailed response.   I just pray that they don’t give me a ban as I am a courier. Do you know how the courts consider whether to give the recommended points or a ban? Thank you 
    • Not sure of the provenance of this, but if only partially true is worrying Its up to an individual to weigh the facts for themselves.   https://healthandmoneynews.wordpress.com/2020/12/02/head-of-pfizer-research-covid-vaccine-is-female-sterilization/amp/?__twitter_impression=true   Here is link to the information sheet for Healthcare professionals doing the vaccinations.   Again no personal views either way, its up to individuals to decide what is true and what is fake.   Published 2 December 2020 Last updated 3 December 2020 — see all updates From: Medicines and Healthcare products Regulatory Agency   Information for Healthcare Professionals on Pfizer/BioNTech COVID-19 vaccine
    • The National Police Chiefs' Council's policy on speeding enforcement suggest that speeds of 35mph or above in a 20mph area should be dealt with by way of court action. All forces in England & Wales usually follow those guidelines so it is more than likely your matter will be dealt with under the "Singe Justice Procedure."   Magistrates' guidelines for that speed suggest a fine of a week's net income (reduced by a third if you plead guilty) together with either a ban of up to 28 days or 4 to 6 points. Points are far more likely. That band of seriousness covers 31 to 40mph so you can expect six points or, if you're lucky, five. You will also pay £85 prosecution costs and a "Victim Surcharge" of 10% of the fine (minimum £34).   The police have six months from the date of the offence to bring proceedings and in many areas take all of that so you may not hear anything until next May. The first notification you get will be a "Singe Justice Procedure Notice". You cannot attend a Single Justice hearing but you will not have to attend court unless either you particularly want to or the Single Justice is considering disqualification (Single Justices will not disqualify you without giving you an opportunity to attend a court hearing). In either of those circumstances the matter will be adjourned and listed for a normal court hearing.
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HELP! Took finance out for someone else, need advice how to end it!!


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Hi I took a finance agreement out last yr for my partner from bmw, unfortunately, a yr later we have broken up. I have my own car on finance and can't afford to take over the payments for his. He's being really awkward and refusing to get a loan in his own name. He did put down a large deposit which means that there is approx £12k left to pay and the approx. value of the car a the moment is between 16k-20k as it has low mileage. The other issue is that I've moved back to ireland while the car is in England with him! What are my options? It was a year on finance in april and I think it was a 3 yr finance agreement. And will this get me black listed?Any help and advice would be really appreciated! Jules

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I rather suspect that as the loan is in your name there is going to be little you can do. Hopefully, others will pop in and prove me wrong.

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If you can get the car back from him and the loan was a HP agreement, then you should be able to VT the car back to them as I am sure you must have paid in excess of 50% of the total value.

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you would also not be able sell it if it has outstanding finance, unless you had the finance company approval and agreement that you pay the balance upon sale of the car

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