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    • Have they been sending you regular notice of sums in arrears? Letters?   Dx
    • From a Telegraph journo. So Carrie Antoinette didn't organise a birthday party for the PM because she asked staff to do it and offered to bring a cake. Hmmm.    
    • Insurance companies do not issue NIPs. Only the police do that. They may ask you who was driving, but that's not a NIP..   There are two issues here: the criminal matter of driving without insurance and the civil matter of liability to pay for the damage caused. They are completely separate.   For the criminal matter to be pursued the police will have to issue you with a "Section 172" request for driver's details. This is the only request that you are required by law to respond to. Failure to do so is an offence which attracts six points. For information, no NIP is required for the offence of No Insurance anyway.   In the unlikely event that you do see action for driving without insurance, from what you have said I believe you have a reasonable case to argue that "Special Reasons" exist not to endorse your licence. You were provided with a courtesy car by a motor trader and it is reasonable to expect that Third Party insurance as a minimum is arranged by the trader, especially as you had been informed in the past that cover was provided. Not all motor policies provide a "driving other cars" extension and it is unwise of the trader to rely on this. At the very least you should have been told that no cover exists. If you are prosecuted the trader should be prosecuted as well for permitting you to drive his car uninsured.   The question of civil liability towards the Third Party is not so straightforward. There is firstly the question of who is at fault and it's never easy to determine that from brief descriptions. If it turns out to be the TP's fault that is no problem for you; the trader can sort that out himself. If you are liable completely or partly you do have a problem because you are uninsured. Your "reasonable expectation" that cover was in place should come into play but civil courts operate on a different basis to criminal courts and I am not quite sure how that would pan out.  
    • Heres the default letter.  Had a really hard time getting any kind of quality.  I hope it's readable.     I asked about an extension earlier in the year and after not receiving a reply for months I called.  Over the phone I was told that it would be £200 plus £15 for every month that I needed the extension.  That's what I expected when the 12 months came- hence my surprise when I was told I wasn't eligible.  After fighting to get an extension they asked for medical evidence; which I provided.  That's when they offered me the extension for £340 (for 4 months only).   I'm way beyond cancelling the course.  This is an ongoing issue because I refused to pay them for so long.  When the course was taken away from me after the 12 months I decided to enrol in University because I wanted to get some kind of qualifications.  I told them this and that my student loans barely covered my living expenses- they didn't care, they just wanted me to pay.  Due to financial pressures I dropped out of University to find work and here I am now.   I wish I paid more attention to the one star reviews.  They're always flaunting their high rating on trustpilot- which is what made me think they were a good option at the time.  But looking closer at the reviews, there are almost no 2, 3, or 4 star reviews. Their one star reviews all sound very reminiscent to my experience with them.  Their 5 star reviews are numerous enough to keep their ratings high but I can't help but get a feeling that they're all false.  In fact a lot of the 5 star reviews are straight up lies- some of them say things like you can take as long as you need to finish the course.  I wonder if there's any way of finding out if they purchase good reviews in order to trick people into thinking their course is anything more than pages and pages of text files.   Thank you for looking at this everyone.  You've been really helpful.  Way more helpful than the Ombudsman who completely brushed me (and someone who went through a similar problem with the training room) off.   I'll send the SAR request shortly.   PS: @mantis shrimp the Lender IS the Training room.  Or more specifically TTR PT LTD png2pdf.pdf
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clydesdale bank

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Thought i would start a new thread for this.


Today i got a letter from clydesdale bank in Edinburgh and thought it may be a cheque, silly thought really, it contained a BANK BOOK with a balance of over 34 thousand pounds and had the account number sort code, fullname and details i wont go into, this was bad enough as the banks have recently been in bother with customers details being left in wheeliebins etc etc and they had said security of customers details is their top priority. When i phoned them at 11am and explained the situation they took my details and that of the bankbook and said they would phone me back, after some 4 hours without any call i decided to call the scottish sun newspaper who contacted the clydesdale for comments regarding what was to happen in regards to this bankbook, it was only after that call that they contacted me and asked me to post it back to them, I am disgusted with their care free attitude towards what could have very easily been someone losing a lot of money or their identity being stolen and credit being obtained in their name that i feel whom this bankbook belongs to has the right to know how i got it and secondly Clydesdales response when i phoned them, any thoughts peeps?

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Quick update got a call from the Scottish Sun today who are printing this story next week once they get more details from the Clydesdale bank, good luck lol, will speak to reporter on Monday and hopefully will get a wee bit in about The Consumer Action Group. The reporter told me the Clydesdale had said they would give me a reward for handing it in and i said i would be happier to get my money back they are holding from me, lol.

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