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    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court. When you get there you can ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all meaning you will have to approach "specialist" (aka extortionate) brokers. So you really want to exhaust every possibility of avoiding MS90s if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
    • Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
    • I see the trial of the real criminal in the Biden Family has started rather than the sham political persecution of Trump    Biden will of course try to distance himself as far as possible to no avail  Even more votes for The Donald🤣    
    • Savings platform Raisin UK is offering a £50 bonus for new customers who sign up for an account.View the full article
    • With Farage back in the news, here's a reminder of his interview with Claire Byrne on Irish TV a few years ago.  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Fendy v NatWest - 16K - **FINALLY WON**


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See, I told ya. yaaaaaaaaaaaaaaaaaaaaaaaaaay. God Im good. Lol. Fendy xxx Jetspark, keep that chin up. Youre an amazing human being. Remember it, and keep your head high. If youre down, come back on here and we can lift your spirits. Whats your address, I will send your kids some easter eggs, from the easter bunny. Seriously........... you cant let them go without this easter. I promise I will get them eggs, if you let me have your address by PM. I know you wont want me to, but please, I would love to. Fendy xxxxxxxxxxxxxxxxxxxxxxx

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Do ya know what Jetspark. Ive decided. Parkvale IS A WOMAN. Hence I think she likes it when we dont know what she is and answers things in both a male and female vein. And lets be honest. How many men do you know that have an obsession with smileys. IM GUESSING NOW, BUT IM 99.9% CERTAIN PARKVALE IS FEMALE. I THINK SHE IS ABSOLUTELY. Doesnt matter, I aint been fantasising about no males in internet cafes, unlike some saddos, lol lol lol lol, (just kidding Caz) you really need to get out more Caz. But based the encouragement and lovely spirit he/she is armed with, then it makes no difference really what he/she is. Just a lovely lovely person who helps keep us all going onward and upward with our claims. So Parkvale, we salute you. Thank You. But IM CERTAIN SHES A SHE. Really, I am. Fendy xxxxxxxxxxxxxxxx

 

LOLOLOL!!! Fendy it was Jetspark dreaming about parkvale being male not moi OOOOooooo la laaaaaa U made me blush now!

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Sugar lumps. Im posting on so many threads Im getting lost now. Must slow down and take in whats being posted. Im so so so so sorry. I really didnt mean any offence. Im sooooooooooooo sorry. Please forgive me. Me and my numpty brain. Sorry Caz. Jetspark, ur making me potty. Fendy xxxxxxxx

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Fendy, Just make up your own fantasies eh! U'd think with the amount of time you spend on here you could at least do that, good grief! All i wanted was one little dream :D . I will be watching you;) XX (just kidding!) sorry my head is mush at the mo, never mind out to pick up the eldest in bit (at least i get out) i shall see what greets me, had an argument w her this am and she went off in tears, my god did i feel guilty, especially with what going on at home. Went to c the teach to explain (absolutely fantastic teacher btw i love her, well not as much as i love parkvale ;) ) and started blubbing to her :o . Emotions running very high at moment!!! Ah well at least my virtual friends are there for me :) XX Jets

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I have never thought of myself as being virtual before. :confused:

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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LOL don't worry:lol: I don't get offended over daft silly things cos they're just daft n silly.... Wendy Fendy you have a huge heart that's in the right place, keep your pecker up Jets these things are sent to test us and I always believe it makes us stronger (even though it feels like poop at the time),stay strong for them lil ones hun xxx ur doing well

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Poop, I like that word. Its sooooooooo descriptive of anything horrible. You can just imagine the huge poopy pile cant you. Festering and stinking of nastiness. Oooooh nice one. Poop. Natwest is a pile of Poopy stuff. Yaaaaaaaaaaaaaaaaaaaaaaaaaaay. Poop rules. I suppose we are all virtual arent we really on here. Going virtually made more like. Waiting for bl**dy nasty west to get their smelly bum into gear. More Poop there, see. Fendy xxxxxxxxxxxxxxxxxx Poopy smelly nasty westy bum.

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Someone called me a party pooper once. shocked.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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What a poopy thing to say to somebody, and especially somebody of your kind and encouraging character. They must have been poop merchants. Take no notice. Lol. Jetspark, work tomorrow, hmmmmmmmmm, at least you wont have to put up with the kids being grumpy and poopy cos theyre ill. Lol. NVM, you can always pop on here tomorrow night to catch up with anything youve missed. Lol. Not much probably, now that were all just waiting waiting waiting in cyberspace for the Nasty Wests next move. Lol. Fendy xxxx Must dash, kids tea to make. Back later. xxxxxxxxx

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I flippin bet this FORUM is empty at 9.00 tonight. Everybody glued to their goggle boxes. Lol. Im not missing a word of it. But I suppose it will only enforce what most of us already think about banks. THEY ARE ALL THERE FOR THEIR SHAREHOLDERS PROFITS, AND NOT FOR THEIR CUSTOMERS. My opinion only. Sadly we live in a world where people care less and less about their fellow man. Sad really. But this forum certainly reinforces my faith in human nature. The ability to help each other. Thats all we need. A bit of encouragement and the world goes around much more smoothly. REMEMBER THE PLACE AND THE TIME TONIGHT FOLKS. Whistleblower. Watch it or be sorry you missed it. Fendy xxxxxxxxxx 113.gif

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Fendy , jumped threads to confuse you. I have been known to string a sentence or two together you know. tongue.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Oh my God............. Fendy, do you type at something like 500 words per minute honey? :eek: It's taking me longer and longer each night to catch up with the daily postings!!! And really Parkvale? You're one of us fellow women? Yaaaaaaaaaaaaaayyyyyyyyyyy!!!!! Well, I'll tell you what - you've played a blinding game of hide and seek there! I'm off to the bear garden to flirt with seahorse for a while - got a shockin' hangover.......... broke my own cardinal rule by drinking during the week and now feel like poo!!!! So neither use nor ornament tonight! See ya later (if I can get back on CAG after ten tonight!!!) xxxxx

 

Ps.......... Fendy, luvvin your spiffin new avatar! Where can I get me one???!!! x

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I got meee doggy on the web. Tell me what ya want and I can help. I had to ask y 15 year old daughter what an avatar was. How sad is that. She went "Oh my god mum ur so 70's". I think that was an insult in teenage speak, so I just sulked. Didnt have the gall to fight back against bolshy 15 year old. Lol. All Nat Wested out today. Fendy xxxxxxxxxxxx

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Ha ha ha!!! Great when they insult us isn't it? Love your response though to the insult............. sulking!!! How cool is that? Give them a little taste of their own medicine!!!! And anyway, I thought an avatar was something like one of the monsters in doctor who............ wouldn't anyone??!!! Not sure what I want............ something cheeky??!! Wish 9o'clock would hurry up and get here!!!! xxxxx

Can't find what you're looking for? Please have a look at Michael Browne's

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Lol I have a 15 year old daughter 2 :D Just talk about the fact you had sex (once or twice when you were younger) and they soon run off all red and mad and disgusted it works a treat for me \o/

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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hedgy,

I never thought you were the seahorse typelaughing-smiley-014.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Ok, there I go stitches, b*ggered....................................Avatar, yeah, I went "so how do I get me one of those cutey little symbols in my name" she sort of rolled her eyes and tutted a bit, and went OMG, lets google and see what we find, after about 20 minutes and her getting ticked off cos I couldnt find anything I liked, she starts getting bolshy and saying, u dont have choice anymore Im gonna pick for you and she was picking gothic vampires and stuff, " me thinks, OMG, peeps will think Im blood sucking tax man or something, so just went, FOR JEEPS SAKE LAUREN JUST GET ME A CHUFFING PUPPY DOG. She laughed and said, OMG like that wasnt predictable, Mum you are so 70's. So I thought, right, bolshy little sod, what can I do that she will understand, so I just said, FINE WHATEVER, FACE, BOTHERED, AM I, NOT, AND THEN SULKED. Worked. She was laughing and apologising within minutes, and also found me very nice puppy dog into the bargain. Lol. Fendy xxxx clock watching now with nice red vino for Whistleblower. Only half an hour. Yaaaaaaaaaaaaaay, god its gonna be like a graveyard on here in 30 mins. Lol. Fendy xxxxxxxxxxxxxxxxxxxxxxxxxxx

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Caz ,

Kevin and perry face ? speechless-smiley-040.gif Always like a graveyard when your not posting fendy spam1.gif those pop up spams really annoy me.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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hedgy,

I never thought you were the seahorse typelaughing-smiley-014.gif

 

He's so smooth!!!!!!! :D At least.......... I think he's a he!!!!

 

Don't talk to me about teenage daughters though. My little 'sweetie' was 18 a few weeks ago and OH MY GOOOOOOOOOOOOD does she do my head in at the moment!! E.g., mum you're kickin' 40 - you really should have your hair a bit shorter (ouch - jellyfish no. 1). Mum, do you have to wear those boots at your age? (ouch again). And in the next breath............. mum, can I have some money pleeeeeeeeeeez! Give me my boys anyday........... they think I'm fab!!!!

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Parkvale Kevin n perry are the teenagers off that old harry enfield show

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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