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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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National Speed Awareness - Missed booking - ** RESOLVED **


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Good evening all,

 

I am in a sticky situation, I received an invitation letter to go to the National Speed Awareness Scheme to write off my speeding offence, I was doing 58mph on a 50mph zone.

 

My current situation:

I've been financially struggling due to getting married in July abroad and money is something I've been struggling with but I'm getting by and putting things into place.

 

I received the letter for the course on 7th January 2019 with every intention of attending the course, but I completely misread the situation,

 

when I went online to drivetech to have a look at the course and how much it would cost it mentioned that it has to be booked within 4 months,

I thought I'll strengthen my financial standing and book it at the end of month when I get some more money coming in.

 

I went online today to book the course , and my details were not found on the drivetech record!

 

I referred back to the letter, and it told me that it needs to be booked and paid within 21 days, but complete the course within 4 months!

I had completely misunderstood that, and this is a genuine mistake I have every intention of attending the course,

 

I'm extremely worried as attending court is the last thing I need on my plate,

can anyone give me any advice I am ready to take the course, and book it at the earliest opportunity,

I never meant to dodge the letter it was a misunderstanding from my part.

 

Can anyone please shed some light because I can't get this off my mind at the moment I've never had a criminal record, points or a speeding notice before and because of my mistake I am now worried that I will have to attend course!

 

Any advise would be greatly appreciated

Edited by dx100uk
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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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So there is chance that I can have it extended, no way am I trying to neglect this I completely misunderstood the time frame for booking and decided to wait till the end of the month to gather more funds so it keeps me going as my bank account at the moment has taken a hit due to wedding planning.

 

It's been a week from today, that I was meant to book it so I'm hoping London Met Police are able to understand my situation.

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Best way is to ring them, explain it was geuinly missed, and youre not trying to evade it as thats why youre calling. They wont accept the excuse of no funds due to a wedding, as the course should have been the priority.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you for your reponse! I genuinely had a misunderstanding, I know the wedding expenses is no excuse but I had no intention of avoiding it but due to my misunderstanding of the letter I genuinely thought I'd save up a bit of extra money and book it end of the month, had I realised it was 21 days I would have borrowed some money!

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I will definitely keep that in mind! It wouldn't make sense for me to dodge a course only to given £100 fine and 3 points!

 

I hope they do have some sympathy and understand this was a genuine mistake from my side

Edited by Sunny89
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let us know if they offer you the course or not. It will help others who have the same situation as you

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Good morning folks,

 

Some great news received today, after a restless night and waking in the middle of the night, I spoke to a lovely lady who listened to me and put me back on the register, I have now officially booked my course for 7th February, great to know that they are understanding and give people a second chance!

 

If anyone has experienced a similar issue, my advice is to give them a call and explain it to them they are helpful and will do the best for you :D

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Well done and very glad you got it sorted :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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