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    • I hope the Copper room has lots of space for the filing cabinets.    None of this in anyway smells funny at all l mean 68 company's with only some dissolved. 
    • @Man in the middle Thank you so much for the comprehensive information, this is super useful!    I'm just as confused as you, There were some other papers that he mailed back with his plea. I  read them, the officers statement was on there ... from what I can remember, the officer stated that my brother "had changed lane twice without giving proper time or indication" the papers did not mention speeding or anything else...    It doesn't help that the car he was driving (belonging to the mechanic) has a custom exhaust installed ... I'm not sure if this had anything to do with the officer being wound up... My brother said he "had it in for him" ... do you think the judge has seen the video? or is this judgment solely based on the officers statement?    Furthermore, My brother is adamant against a guilty verdict ... do you think that reduced the chance of this case being reopened?    As for the fine, they are already taking money from his universal credit which is effecting his life in a great way  
    • Looking at the sentencing guidelines, the sentence, on the face of it, seems harsh – and a little confusing. From your description the offence seems at the lower end of seriousness. There are three bands of seriousness mentioned in the guidelines. From the least serious, the suggested sentences are:   A fine of half a week’s net income, and 3-4 points A fine of a week’s net income and 5-6 points A fine of a week and a half’s net income and 7-9 points (or a disqualification).   The sentencing guidelines are here:   Careless Driving (drive without due care and attention) (Revised 2017) – Sentencing WWW.SENTENCINGCOUNCIL.ORG.UK     From your description I can see no aggravating factors to push the offence up from the lowest band of seriousness.   The sum he has been ordered to pay is based on the highest fine – a week and a half’s income. Let me explain how I have deduced this. As well as the fine, the court will also order prosecution costs (normally £90) and a “victim surcharge” of 10% of the fine. When the court has no information about a defendant’s income a default figure of £440 per week is used. So, he will have been ordered to pay 1.5 times £440, so £660 by way of a fine, £66 Victim Surcharge and £90 costs. Total £816, as per his notice. The fine indicates that the court viewed the offence in the top band of seriousness.   The confusing thing is the points. If the court considered the offence at the top of the seriousness range, he should have received at least seven points, not six. He has also been sentenced on the basis of a Not Guilty plea (which is again the default when no plea has been entered). This means he did not receive credit for his guilty plea. This is normally a discount of one third off the fine (but not the points).   So much for an explanation of what’s happened. What’s to do? He faces some considerable difficulty here because of the length of time elapsed between his conviction and now. His only option is to ask for a court hearing to have the matter reopened.   He should be aware that the court is not obliged to agree to this and may not do so in view of the time elapsed. When making his request he should do so on the basis that the sentence does not seem to comply with the guidelines on two counts: (1) he should submit that the offence is at the lowest end of seriousness and (2) the sentence is inconsistent with the guidelines anyway (discrepancy between points and fine).   He also needs to contact the fines office as a matter of urgency. I am surprised he has not already faced one of the sanctions they mention by now but he needs to let them know he is asking for his case to be reopened. Once again, in view of the time elapsed, they may continue with their normal enforcement process anyway.    If he had dealt with this promptly it is my view (provided the court sees the offence at the lowest end of seriousness) he should have face a fine of half a week’s net income, reduced by a third for his guilty plea, a 10% victim surcharge (minimum £34), £90 costs and three points. That is the ideal outcome he should be looking for but, as I said, the court may not agree to reopen the matter at all. If they do, he may find his full discount for a guilty plea is reduced due to his tardiness. Do let us know how it goes.
    • Agree with Trevor Kavanagh, that the UK cannot afford a Government that is totally split and unable to take the decisive action required.   Government should act on energy price rises by directly providing additional money to help reduce bills.  The £400 announced so far would not be enough.   Reduce the VAT on domestic energy to 0%.   Universal Credit and other benefits need to be increased back to the level provided during Covid as a minimum.   Fuel duties should be cut.   Offer incentives to use public transport by paying subsidies to bus and rail operators that they need to pass on, to reduce fares.    Urgent action required,  Cannot wait until September for emergency budget.    
    • You wanted Boris out and not to interfere in government until he left   Again, I wanted him to go immediately.
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Skipton MPPI


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A few years ago a company called Loancheck and a firm of solicitors, Watson's from Llandudno, carried out an audit on my mortgage.



as probably many on here already know, those two organisations are no longer in existence.

Recently I dug my file out on this old mortgage (redeemed in 2007) to try and piece it all together from the information I have.


I have some paperwork but not all documents from the file Watson's had created for my case.



One of the key documents missing from my files is the actual mortgage agreement.



I'm not sure if it is in the Watson's file as it appears that Watson's were having difficulties in getting requested documents from the Skipton.



The latest dated copy of a letter from Watson's to Skipton I have (dated 2008)

refers to earlier dated letters reminding the Skipton that certain documents had been requested before.


I have requested my file back from Mr Watson (phoned the Solicitors Regulatory Authority who advised I write to him via them

as they would forward the letter on to his personal address), but as yet I have not had a reply.


One of the few issues that Watson's did mention was the the possibility of mis-selling of MPPI. I don't know whether Skipton replied to Watson's regarding this.


I did have MPPI on the mortgage.



I have come across a letter from Skipton sent to all MPPI customers confirming this.



The letter said, "as your insurance premium is paid with your mortgage", therefore it would appear that it was a front loaded single premium mortgage.


I also have a copy of the original Enquiry Form from my meeting with the salesperson from the Skipton where it clearly states that I was self-employed.


In short,

I didn't know I had MPPI at the time I took the mortgage out,



I don't have a copy of my loan agreement (to see exactly how much the MPPI was)

and I don't have access to the documents that Skipton sent to Watson's after my SAR request.


As I said however, I do have a letter from Skipton's confirming I had MPPI and a copy of the Enquiry form clearly showing I was self-employed.


I am in the process of writing to the Skipton to request a refund but am unsure as to how much to put in for the claim.



In the absence of knowing specifically what the amount was,

is there any other way of knowing how much MPPI would be included in a monthly mortgage payment?



For instance, would there be an industry standard £MPPI to every £100 monthly mortgage repayments made?

If there is, or amounts within certain parameters, then at least I could calculate a reasonably accurate figure.


Or should I send the letter stating that I intend to claim,

without an amount mentioned in the letter,

ask them for a copy of my loan agreement (although knowing that they were reluctant to send me this in the past),

and wait for the response from Skipton?


I hope all that makes sense.



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i'd make a new SAR request

cant hurt




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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