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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Late booking speed awareness course ***Resolved***

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I'd be really grateful for a bit of information on what my options are now - here is my situation.


I was caught speeding (38 in a 30) on 31st December- I thought it was 40 so it wasn't intentional :o) It was with West Midlands Police.


I got the letter and admitted the offence and on 5th February got a letter offering me a speed awareness course.


My personal situation was a bit difficult at this time - my husband had just moved out because of cheating leaving me in a difficult financial situation - debt :o( I am just getting back up on my feet.


The letter said I had 120 days to complete the course - so I went online to book it yesterday as I finally have the money together to pay for it. But it didn't recognise my drivers license.


I checked the letter again - I had to book it within 28 days! I am now so worried that I am going to be taken to court. I had every intention of doing the course but I simply misread the letter and thought I had time to get the money together.


I have tried calling the TTC direct but they can't do anything.


I am going to call the central ticket office tomorrow morning - what options do you think I have? If I explained my mistake, is there any chance I can still get to do the course so long as it's before the 120 days? Or can I accept the points and avoid court? If anyone has accepted the points, what impact has it had on insurance premiums?


Any help would be really appreciated :|


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She would have had to respond anyway - even if the NIP is late the requirement to name the driver is still valid. In any event it's the offer of a speed awareness course which she says arrived in February, not the NIP.


You may as well ask

- the worst that can happen is that they'll say no.


However as it's three and a half months since the offence you'll be lucky if they do give you another chance to book the course, and they're unlikely to move the 120 day deadline for actually doing the course - so if you do get the chance to book one you might have to be willing to be very flexible about where and when you do the course, as you may not find there are many slots still available in the next 2 weeks or so.


If you don't do the course they're likely to offer you a fixed penalty of £100 and 3 points as an alternative to court - unless they already made that offer at the same time as you were offered the course.


The amount by which a speeding conviction increases your insurance premium varies depending on your insurer and your particular circumstances. 10-20% increase is fairly typical, but if you're already in a high risk group (eg recently qualified) it might be a bit more, or if you're middle aged, middle class and generally boring you might not see an increase at all.


As always, make sure you shop around at renewal time, and don't assume the premium your current insurer offers you is the best price - it probably won't be.

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Thanks to everyone who replied!


I called today and well, within 30 seconds of trying to explain what I needed help with, I burst into tears. It was the part where I had to explain my change in circumstances. The lady who answered the call was lovely! She calmed me down, was really patient listening and said it would be okay.


So, she put me back on the register and tomorrow I can call the office and arrange a course, asap. Cross fingers I can book one over the next two weeks!


I think I was lucky - I hadn't deliberately ignored it and I have not yet received a summons or anything - it was obvious I genuinely wanted to do the speed awareness course but had misread the letter. She was just lovely and said 'Trust me, you will get through it!' which I think was a reference to cheating men :o)


Cross fingers now I will get to complete the course in the next two weeks


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I went to book online at 7am this morning and panicked thinking that I couldn't find any ones in April. So I called the TTC and asked if there was any chance I could be on a last minute call or something if someone didn't turn up. When the chap checked my file, he said I had been awarded 30 extra days so I could complete it until the end of May. Phew!!!


So I had the online form up but went ahead with booking it with him as he was on the phone. Now here is the interesting bit - he had about 10 more course dates to offer than what was available online so I got a Sunday slot much closer than the first course available online. So, I would recommend calling up if the course times available online don't fit you.


So I am booked in and the saga has now been resolved! Yay! No more tears for me. I didn't think that I would be able to sort this out. I am very very lucky! :o)

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  • 10 months later...


A similar thing has happened to me, I committed a speeding offence (36mph in a 30mph zone) I returned the information and driving license number within a week and was then issued a conditional offer of the speed awareness course or 3 points an a fine - obviously I wanted to do the speed awareness course.


Similar to yourself, I read the letter to say the course had to be booked within 5 months of the offence, my offence was on the 9th Jan and I could only book it today (17th Feb) due to having an operation recently. I have booked on the course but I am worried it was past the 28 days and I may receive a summons.


May I ask what the number was that you rang to explain your situation? I am very worried as I do want to do the course but I read the information wrong and thought I had longer to book it than 28 days!


Any help would be appreciated.

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If you managed to book it online, it should still be fine. My problem was when I went online, it was no longer possible for me to actually book it. I had to call the number and get them to put me back on the system.


I think that since you are booked on it and you attend, there shouldn't be a problem.

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I've just rang the office in charge of it to confirm that I am booked on and they have said I am so thankfully it has been resolved! I was just so worried that such a silly mistake could have ended up in a court hearing!

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