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    • There will be no issues with a course offer if the dates are as you say. The usual cut off is four months from the date of the offence. This is so as to give the driver the time to accept the offer and take the course before prosecution becomes "timed out" at six months.   However, if the NIPs really were the first to be issued and there are no issues with the address details then both have a cast iron defence to the speeding allegation. The first is dated 20 days after the alleged offence and the second 23 days after the alleged offence. The Road Traffic Offenders' Act makes it quite clear that if a NIP is not served within 14 days of the alleged offence then no prosecution can take place. But as I said, late first NIPs are very rare and both need to check all the details I have mentioned before they decline any out of court offers of a course or Fixed Penalty.    For information, courses are normally offered for speeds up to (Limit +10% + 9mph). Only one course of any type can be taken in three years (with the date of the offences being used to calculate that period) and courses are not offered in Scotland. However, if a driver is not offered a course for any reason when he would normally qualify (including late NIPs) he has no right of appeal to have one offered. If the matter goes to court the court has no power to order a course.
    • My grievance against my manager is on Wednesday at 12.00 noon. A union officer is representing me. The representative for my manager is a product manager. I was told today that she is the Daughter or a Step-Daughter of the manager. Is this a conflict of interest? Am I correct in saying that, because the manager is the subject, the hearing has to be carried out by a person higher than the manager such as a director? if so, the product manager is not entitled to carry out the hearing. I'm pretty certain that I read this in law books. My Brother is a licensed union chairman but has since left his previous employment.  He is certain that I am correct . Any help would be gratefully appreciated.   diecastdave
    • Ok cool many thanks!  Much appreciated...I will check everything out now and answer all those questions!
    • Sorry,  its regular outgoings of payments. It’s income related they’re on, not contribution based.  Mum and applicant were totally unaware of the rules in regards to deprivation of capital.   On income related ESA but claim housing benefit and council tax support.   He hasn’t came into a huge chunk of money. It’s been spent over a duration of four years. appointee’s livid, and worried that he’ll be homeless.  
    • Hi all           I spoke to the courts earlier today and they advised me that the points placed on my licence were removed in October 2019, and that a court date is set for November 26th. Guess what ??? I had not been given that info either. The courts were very helpful and explained to me that everything had been sent to my previous address (which I have not lived in or owned for 5 years) The car in question was registered in March 2016 and I have owned since new and has never been registered to my old address. I have proof of this down to the point of not taxing the car March 2017 as the car was zero tax I did not realise I still had to go online and tax it, the summons for that was sent to my current home address.  it is very strange that the police directed everything to my previous address. i then contacted the police on the number given by the courts and was told to forward proof I was out of country at time of offence for them to look at, the police officer was very understanding and quite helpful giving the information. I have to e mail her tomorrow and will give an update when I know more as this previous address thing is really confusing !!!  
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Hi everyone i hope i have posted in the correct area !! HELP my story is that

 

i have recently defaulted on 2 credit cards ,i am only 1 payment behind .

 

i was unlucky enough to have two operations last year and borrowed money from 1 card to pay the other

i have had to undergo further surgery april gone and i have been living on stat sick pay/ tax credits and housing benefit .

 

I have approached two debt charities and as advised done a budget which has surprised me ,

 

my outgoings are £350 more than i have coming in !!!!!

 

I am being treated for depression and have been for 3 years after losing both parents to horrible illnesses.

 

I have been straight with both lenders but the HALIFAX wont enter into any agreement because of my budget

and the RBS have now sent me a financial form to complete

,they are also asking when i will be back to work and can i send them a copy of my DRS certificate are they entitled to this ?????

 

by the way late charges and over credit fees keep getting addded.

 

Can anyone point me in the right direction ,

total debts approx £9000 iand i work part time for £6.50 an hour and my situation doesnt look like it will be any better even when i return to work.

 

any help would be appreciated TIM :-D

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not entitled to know ANY of your pers medical details

neither

are they entitled to a budet sheet either..

 

what level are the debts please.

 

and how much of these are PENALTY charges & PPI?

 

dx


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Hi thanks for your reply, the level of debts are rbs £4200 and halifax £2200 they both increased the credit limits last year after i requested them to but i thought they would send me another agreement to sign.

at the moment there insisting on this budget sheet to see wether i am eligable for token payment £1 this is what one of the debt charitys suggested.

There is no p p i on either account but each have added on 2 x £12 for late payment and the interest has now taken me over the credit limit hence the extra £12 ,talk about getting kicked when already down. I dont intend to send personal medical details to any old tom dick and harry !!!!!! thanks for any advice you can give TIM

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Hi thanks for your advice, i am in the process of opening a basic bank account with the coop . There is no ppi to be had unfortunately but i have done a budget but cant see anything really to cut back on, all my bills have increased except my wages !!!!!! Whats your personal opinion on a DRO ? thes debts are only a year old and i have only just been able to hang onto my working tax credits since it all changed in april and they will now take an average on my weekly hours ! my main bank is hsbc who i have an overdraft with . any help would be great TIM

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not entitled to know ANY of your pers medical details

neither

are they entitled to a budet sheet either..

dx

 

Hi, just came across this thread and am having similar health problems and it's so difficult to fight back when you are feeling so low.

 

DX - why do you say that they are not entitled to a budget sheet? I was advised via CCS that this should be completed and sent as evidence of your inability to pay - you may know something different?

 

Tim - you might find it useful to search the web for "Debt & Mental Health Good Practice" (I am unable to add links yet). You will find a few sites including MALG and links to Royal college of Psychiatrists who have done loads of studies and set out a code of good practice for people with mental health issues including depression. Also on HMRC website look up DMBM585185 - It's a document regarding "considering the defaulter with mental health issues", contains some very useful information, along with Financial Ombudsman Service website which, again, sets out good practice for financial companies.

 

Like you, I have a card with Halifax and they are the worst, rude, unsympathetic and despite having no disposable income they have tried to bully me into borrowing to make payments to them - it makes you feel so much worse.

 

I completed and printed off the CCS budget sheet (with the CCS logo) and explained that I have received advice from CCS and gone on to explain my situation along with the fact that I am on medication for my depression. I offered my £1 per month payment as advised and enclosed a cheque, (also set up a DD) and finished off with a final paragraph:

 

I have been a loyal customer and have always kept up repayments until these unfortunate circumstances I now find myself in. So I ask that you please consider reducing or stopping interest or any other charges on my account to help me during my financial and unfortunate health difficulties. (Under the Debt & Mental Health Good Practice, I would be happy to complete Mental Health Evidence Forms for your verification as indicated may be required on Financial Ombudsman Service and MALG websites).

I have to say, they have all been really good except Halifax. The best thing you can do is be honest with them, tell them that you will only deal with them in writing (which gives you breathing space - but do reply), and ensure that you tell them you are suffering with depression - this is important as once you disclose this, they have to work within certain good practice guidelines. Do NOT give them any web log in or reference numbers (if you do the budget planner on CCS, they give you a number so that you can return to your details.

 

Hope this helps! Best wishes

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Hi thanks for your advice, i am in the process of opening a basic bank account with the coop . There is no ppi to be had unfortunately but i have done a budget but cant see anything really to cut back on, all my bills have increased except my wages !!!!!! Whats your personal opinion on a DRO ? thes debts are only a year old and i have only just been able to hang onto my working tax credits since it all changed in april and they will now take an average on my weekly hours ! my main bank is hsbc who i have an overdraft with . any help would be great TIM

 

The total debts you listed in this and previous posts differs. However, either way, if I were in your situation I would definitely go for a DRO. It provides a sharp, clean break and allows you to concentrate on the more impt matter - your mental health. Unfortunately most of the published info from 'expert' organisations tends to treat mental health issues from a medical model perspective. You may find more appropriate support from a local Users' Group (you don't need to be a hospital patient, just have mental health issues to join). But m.h. will not be resolved with the debts still hanging over you. Once you've obtained the DRO, you may find everything else falls into place and the world makes sense again. I'm well aware of the effects of bereavement and other forms of shock on one's ability to cope with harassment from merciless creditors and DCAs, so you have my sympathy. I only wish I fell within the threshold to apply for a DRO. I wish you the best of luck. Pls let us know how you get on.

Oleg

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Hi ,

thanks for your message and i am sorry that i have not replied sooner.

 

I thought i would give you an update and ask for further advice if you are able to help !

 

I have reached an agreement with R B S CREDIT CARD ,

just under £30 a month and they have stopped interest and late charges etc,

 

they say that they will review my situation in 6 months,

 

i originally offered them £10 a month which they rejected.

 

have now returned to work ,although i am still dealing with depression

,but the HALIFAX c/c have again given me a default and passed the whole debt £2300 to debt collector in manchester

and i have been paying them £10 a month for the last 2 months.

 

Can i ask why they would do this ,

does this mean they have no CCA to enforce .

any help or advice you could give would be great .

 

Tim.

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sold it or them just collecting.

 

dx


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Hi thanks for your reply, i have recieved a letter from a debt collectors called BLAIR, OLIVER and SCOTT

who says that there client has instructed them (HALIFAX) to collect the full outstanding balance £2300 as soon as possible. when i first got behind with payments i sent a budget to the halifax (recorded delivery) and i have proof that they got it , offering £10 a month till i got back to work after being on statuary sick pay for 3 months and they didnt even reply. I recieved a default notice so i rang them and they told me just to pay £10 a month which is what i have kept up with.

what i would like to know if you can help, are the above debt collectors owned by the Halifax or would you say that they have just sold on to these clowns, i have done some digging online but cant seem to get any answers , can they pass this on while i am paying the halifax? or is it just lack of communication in the bank?

any advice or help would be appreciated Tim.

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halifax and bank of scotland

 

 

hbos

 

bos = blair olly snot

 

same lot

 

ignore

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Don't be frightened to talk to your GP, and ask for a referral to a mental health nurse. The NHS care I have received has been wonderful.

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