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    • Tricky ! If someone in this situation wanted to continue to Insure their car on a comprehensive basis they would find it difficult.  Most people would want comp cover, so a car is fully covered, even though they might not be driving it,   Suggest contacting an Insurance Brokers to ask what they can arrange.   If Insurance is not available, find a storage option, so the car can be kept off the road and SORN. 
    • I cant help thinking that if we had to complete a questionaire that asked if you were "physically able bodied" before you were interviewed then this would be classed as discriminative.   Yet you can be asked to explain a gap in employment and that this is not classed as discriminative to people who may have had a mental breakdown.   Ok on this occasion I had taken a work break, if thay had asked a bout a break I had taken 10 years earlier then it would have been a different story as I had suffered depression and anxiety at that time.   It just seams to me that it puts people who have had a mental health issue at a disadvantage.      
    • I am just outside of the HS" zone for compulsory purchase. However,I put my house up for sale 4 weeks ago, and have had 2 viewers. Both said they like the house but the threat of HS2 having framework across the road put them off buying my house.    I am aware that I can take HS2 to court and get the court judge to (hopefully),force HS2 to purchase my house at market value under the Blight Order.    How do I go about starting the process?. Which court would the case go to?. Am i best enlisting a claims specialist with success in this field?.    The estate agent who my house is on the market with has told me that they have the feedback documentation from the 2 viewers testifying that HS2 put them off buying my house, so they would be available to the court.    Apparently there has already been 1 successful case on my street, and 1 two streets down, and there is another case on my street going through the court.    Any help, laws,quotes etc would be greatly appreciated.
    • Hi HubbaLoo and welcome to CAG   It's no surprise that the likes of CARS and Harlands  make far more charging admin fees than they do from taking a small monthly percentage of the gym fees.   It's best to tell CARS your new address - best that you know what they're up to at all times.   Send them a typed letter (no emails for now) saying:-   Dear sir or madam,   Membership at [town/city] DW Gym   My current address is as shown above.   I cancelled my membership when I relocated and supplied details of moving. I do NOT have to supply utility bills etc as demanded from you and will not enter into further correspondence with you.   If you continue to harass me for payments of admin fees, I will make formal complaints to the appropriate authorities.   Yours faithfully.    
    • It is not the DVLA that insist it must be insured, it is s.144A, Road Traffic Act 1988. Off road and SORN is one of the exceptions - s.144B of the same act.
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Chop5t1ck

Gov't propose to prosecute on failure to repay student loans

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Government will prosecute those who fail to repay their student loans on time, warns Jo Johnson

 

The Government has warned it will prosecute graduates from across the UK and overseas who fail to pay their student loans back on time as part of a new strategy.

 

In a statement from Minister for Universities Jo Johnson to the House of Commons, the politician said the new plans were needed to ensure the repayment system remains “fair, robust, and efficient” as the higher education system sees more people gain entry than ever before, due to a cap-lift on numbers.

 

New plans come into place as the higher education system looks set to take on more students than ever before

 

http://www.independent.co.uk/student/news/government-will-prosecute-those-who-fail-to-repay-their-student-loans-on-time-warns-jo-johnson-a6869221.html

 

Sign this petition to ask the UK Government not to make student debt a criminal offense

 

https://petition.parliament.uk/petitions/121888

 

Its all over the news papers/websites, not law yet but in legislation stage - partner countries (EU and AU) supply tax details and then UK prosecutes... don't ask me how

 

The US have been sending in armed (police) thugs to get debtors to sign repayment plans

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If you enter into an agreement you shoukd keep to the terms, but this applies to government as well.

 

Not sure it should be a criminal offence, but I guess they are looking at how they have dealt with this in New Zealand. By making it criminal, they can stop you at UK borders, so those worried about it affecting travel, will decide to come to an arrangement. Also easier to pursue it as a criminal matter abroad.

 

On a political note, why have the electorate not considered that one party is more likely to increase various fees and taxes than another. Labour introduced student fees, but it was the Tories under the coalition that trebled most fees to £9k a year. Now they are making student nurses take out more loans etc. If there is a choice to be made, i would rather they made education and apprenticeships a priority for taxpayer help, rather than some of the other decisions made based on likelyhood to vote. The Tories have a habit of penalising younger people who are less likely to vote for them. They forget that it is those younger who pay the future pensions of their parents, grandparents. Stitching them up with education loans, while they have impossible spending demands to rent or buy a home, is very short sighted.


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It is very shortsighted to saddle those leaving University with huge debt and then make it a criminal offence if they have problems repaying it ?


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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http://www.dailymail.co.uk/news/article-3436477/Lock-prisoners-just-weekend.html

 

Presumably this is why he plans on making so many prison reforms to free up space to put those who are unable to repay "tax payer" debt for one reason or another !!


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Uploading documents to CAG ** Instructions **

 

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3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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They are nasty enough to make it retrospective to revive all the written off loans. But really willthis mean that deferment will be removedin practice.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ok Some figures!

There are approximately 2 million students currently at UK Universities (figures from HESA).

 

 

If you assume that 10% are not from the UK, and 1/3 graduate every year that give you a rough number of 600,000 graduates every year.

 

 

By their own estimates 45% do not repay their loans so we get 270,000 students who will not repay their loans every year

 

 

The current prison population is about 80,000 (home office figures).

 

 

So where are they going to find room to accommodate the 270,000 graduates - remember this is an on going number so after 1 year there will be 270,000 graduates, after 2 years 540,000 graduates.

 

 

The other problem with this is that generally if you have a criminal record it is quite difficult to get other than a low paid or menial job.

 

 

So the whole idea of criminalising those who do not repay their loans is completely unworkable.

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