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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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ruthbridge - do i need to worry

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Hi everyone,

 

i have received a letter from ruthbridge yesterday asking me to contact them,

so i contacted them not thinking much of it,

 

it turns out they are asking for payment for a 6,000 loan from when i was young and stupid!

which i made my last payment may 2007

but i have not made a payment since as i was not in a good place to at this point and nobody has contacted me until yesterday.

 

apart from this i have no debts and was agreed a good morgage back in march of this year which i thought was the start of a whole new life.

 

please can someone advise me of the best thing to do next?

 

i have also check my credit report, experian show that my report was good 900+ with this debt not showing then i looked at checkmyfile which show it and the report was not as good.

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I would say stop contact with them, and see what they do next I suspect the usual threatograms but when you dont contact them the debt will become statute barred in May 2013 so can no longer be chased so stay off phone to them


I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Toothles ruthbridge, ignore ignore ignore.

 

Stay off the phone, if they ring just laugh and hang up, repeat process for foreseeable....


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi everyone,

 

i have recived a letter from ruthbridge yesterday asking me to contact them, so i contacted them not thinking much of it, it turns out they are asking for payment for a 6,000 loan from when i was young and stupid! which i made my last payment may 2007 but i have not made a payment since as i was not in a good place to at this point and nobody has contacted me until yesterday.

 

apart from this i have no debts and was agreed a good morgage back in march of this year which i thought was the start of a whole new life.

 

please can someone advise me of the best thing to do next?

 

i have also check my credit report, experian show that my report was good 900+ with this debt not showing then i looked at checkmyfile which show it and the report was not as good.

Hi welcome to CAG,

 

Once a debt reaches the bottom of the pond with Ruthbridge it's got many probleme and is usually stat barred or nearly so.

 

This seems to be the case here, please do not phone this company they are known to attempt to intimidate, luckily verbal contact does not reset the statute barred clock.##

 

Are you sure of the last payment date, and does the debt show on your credit reference files.


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The Ruthbridge threat cycle is depressingly predictable.

 

You'll get one soon threatening to make you bankrupt while offering you a massive discount.

 

They may even offer you advice on debt management, something they are no longer allowed to do.

 

In every case keep the letters carefully and bide your time.

 

They will eventually give up but responding to them, even to tell them to bog off, encourages them to fire off even more letters.

 

Early next year the matter become staute barred and then you tell to skulk back under their stone.

 

And if they don't you can safely swat them away with complaints to all and sundry.

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Hi,

 

Thank you for your advice,

 

yes the debt shows on my checkmyfile report as may 2007 last contact, it also states this will be no longer reported from may 2013.

 

do you think its time to send a letter?

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Ah I see you have check Experian, so I suggest that you check Equifax too.

 

Checkmyfile should be told that their data is wrong if Equifax shows the same result as Experian.

Leave the letter unti Ruthbridge write again.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i have just checked equifax which shows the debt with the same dates

 

do you think still not send a letter?

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i have just checked equifax which shows the debt with the same dates

 

do you think still not send a letter?

 

Ok, as you have contacted them by phone I would leave it until they start writting again, then send them a ''prove it'' letter, use up some time.!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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