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    • From Brexiters Rees-Mogg and Redwood - Move your financial assets to the EU while you can before Brexit   https://www.thelondoneconomic.com/politics/these-are-the-brexiteers-looking-to-secure-their-eu-rights-ahead-of-the-uks-departure-from-the-bloc/22/06/ https://www.ft.com/content/38987fe2-6f19-11e8-92d3-6c13e5c92914 (paywalled)       certainly seems that way     I don't think that would actually solve anything - the effluent would soon float to the top again in any system as there is no penalty for even blatant lies ... let alone 'the politician didn't lie, he 'genuinely thought telling the British electorate it was the right thing to do while telling his clients in his investment business to run like hell'  
    • ...and this is Richard North's take on it.   https://www.turbulenttimes.co.uk/news/brexit/brexit-an-inability-to-understand/
    • Oh dear, the government has just realised that being a third country after Brexit means that Brits will have to go into the queue for non-EU nationals when arriving in the EU.   https://www.theguardian.com/politics/2020/oct/23/uk-presses-for-use-of-faster-passport-gates-at-eu-airports-post-brexit?utm_term=e519c6f20424635724b1e89f0589c05d&utm_campaign=GuardianTodayUK&utm_source=esp&utm_medium=Email&CMP=GTUK_email
    • Don't we all go through these periods in any career ?   There are only so many challenges or new opportunities within any organisation. So it can become a daily routine of the same tasks, dealing with similar customers etc etc. You could look at project ideas at work and submit these in the hope it will open up opportunity to spend time doing something else.   My advice for what it is worth, is to look at hobbies and interests outside of work. Then work will become purely a way to earn the money to pursue the hobbies and interests.   Given Covid-19 and a damaged economy, changing jobs at this time is very risky, unless you stay with same employers.   Age is not an issue, so if you wanted to change, invest in an education course, if that will help you towards more interesting job roles.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi there was coming down a hill in east sussex and there was a police van waiting by the side of the road and a speed gun.

 

I got pulled over and given a pink slip and the officer let me know I will be charged and 3 points or can do a speed awareness course.

 

I fully co-operated and was just wondering whats going to happen next as never been through this proceedure before.

 

The offence took place last thursday so over a week ago and I havent recieved anything in the post.

 

Thanks for any advice and/ or help, much appreciated.

 

BB

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If you are caught speeding

- The owner of the car will be sent a notice of intended prosecution (NIP) detailing the offence and a document called a section 172 notice.

 

 

Whether you agree with the NIP or not you must complete the section 172 notice declaring who was driving the car at the time of the offence within 28 days.

 

 

If you were stopped by a police officer they can give you a verbal warning of prosecution and a NIP is not required if the offence was part of a road traffic accident.

 

 

If you receive a speeding ticket

– Once the NIP is returned you’ll receive a conditional offer of a fixed penalty notice (FPN).

 

 

You can either pay the fine and accept the penalty points or contest the fine in court.

 

 

To uphold the fine a court only needs to prove you were speeding.

Saying that you did not intend to speed, didn’t realise you were speeding or you only exceeded the limit briefly won’t hold water.

 

 

If you are prosecuted for speeding

– If you have eight or more points on your licence, or you were driving way above the speed limit, the police may choose to prosecute you in court.

 

 

In this eventuality you will be sent a court summons

- the police have up to six months to issue it.

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You are unlikely to be offered a speed awareness course as the normal cut off point for them is 10%+9mph over the speed limit, i.e. 42 in a 30.

 

 

Most likely you will be sent an offer of a fixed penalty, ie 3 points and £100.

This could take a few weeks to arrive

- if you have heard nothing in a couple of months it may be worth phoning the central ticket office for the force in question (Google the number or use 101) to check that it hasn't gone missing in the post, as if you don't respond to it you will be summomsed to court, where the fine and points are likely to be higher.

 

(There will be no NIP or s172 notice as you were stopped at the time)

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  • 2 weeks later...

You'd be very lucky if you were able to take a course after doing 44.

 

 

They usually use that for "borderline" offences (e.g. up to 40 in a 30).

 

 

For you to be clocked at 44, your speedo was probably indicating about 48, so it's not like you just crept over the 30 limit.

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  • 1 month later...

Hi all thanks for your responses on here.

 

I have paid the 100 fine (begrudgingly!)

And

Sent off my drivers license for points to be added

 

My question is....when should I update my driving insurance to reflect the points once they have been added. How do I know when they have actually, physically added the points? I dont want to be driving around with a void insurance policy?

 

Any advice for cheaper car insurance now I am a convicted speeder?

 

I must say I am dissappointed, people like me are the ones who should get a drivers awareness course....it could be beneficial! However the traffice offense gang only seem interested in enriching their own and the dvla's pockets!!!

 

Thanks caggers

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Your insurance documents will say when you need to tell your insurer about the points - with most insurers it won't be until your renewal date. However telling them now means that there's no risk of forgetting and shouldn't affect your premium until you renew.

 

Three points for speeding won't usually make a lot of difference to your premium anyway - just use the comparison sites to shop around. It's not as if you're a drunk driver or some other pariah who the mainstream insurers won't touch.

 

If the police only cared about making money they'd have sent you on a course - that way they keep the course fees (allegedly to pay for traffic enforcement). Fines and fixed penalties go straight to to the treasury, where they are swallowed up as a tiny drop in the great ocean of general government spending. There's no benefit to the police in handing out fixed penalties.

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Your insurance documents will say when you need to tell your insurer about the points - with most insurers it won't be until your renewal date. However telling them now means that there's no risk of forgetting and shouldn't affect your premium until you renew.

 

Three points for speeding won't usually make a lot of difference to your premium anyway - just use the comparison sites to shop around. It's not as if you're a drunk driver or some other pariah who the mainstream insurers won't touch.

 

If the police only cared about making money they'd have sent you on a course - that way they keep the course fees (allegedly to pay for traffic enforcement). Fines and fixed penalties go straight to to the treasury, where they are swallowed up as a tiny drop in the great ocean of general government spending. There's no benefit to the police in handing out fixed penalties.

 

Thanks for your detailed response. Much appreciated

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