Thank you for your help everyone. I think then the best thing to do is just accept what has been dealt and pay the fine rather than an SD. As you say they will start the process again but we have no defence for not updating the V5 and then the subsequent S172 resulting from not knowing about it. He will have to attend court just to have really the same outcome albeit a slightly smaller fine but once he has lost a days work etc it would be futile. Lesson learnt that is for sure!

The offence date was the 15th July 2021 and received the Further Steps notice last Thursday. Yes 46 in a 30...I did think it was a 40 road and was at the start of a slip road - no excuse was speeding I know regardless. I have never had any other offences speeding or otherwise. I had read that it was a band B too but wasn't sure and this is why my husband is saying leave it as the MS90 rather than trying to appeal it. As you say they only have 6 months to prosecute for the speeding offence so will the chances of the MS90 being removed be unlikely as they will want a conviction of some sort?

No hand on my heart I can say there were no difficult circumstances when we moved apart from the normal trying to remember to change everything so have no excuse apart from an oversight. Which is going to be an expensive one at that. I have now frantically changed the address on the log book so is now correct with DVLA. Believe me no-one is kicking me more than I am at the moment - I can't believe I missed it. The worry as you say is having to defend both offences and making matters worse. If we had received the NIP at the time what would the penalty have likely been for the speed I was doing or would it likely to have gone to court anyway?

I am hoping that there may be someone who can help and advise of the best way forward. Last Thursday my husband received a Further Steps Notice stating he owed 816.00 for a fine to be paid within 10 days. We had no idea what it was for so I called the number on the letter to be told that it was for a speeding offence but no driver details were given, so failure to give details MS90 was decided in court along with the fine and 6 points on his licence as he is the registered keeper of the vehicle. We moved 3 years ago and I stupidly updated the driving licences but must have forgotten the V5 log book and the old address is where the NIP has apparently been going. The old house is a rented property so have no idea who now lives there but we have not received anything and not sure if they have returned the letters as 'no longer at the address' or just binning them. I know of course this is my error so can't blame the occupants for that. However that being said the Further Steps Notice has found it's way to the correct address so I presume this was from his driving licence. Although the vehicle is registered in my husbands name - I was the driver at the time of the speeding offence. I was caught doing 46mph in a 30 mph road which was near the slip road to the A38. My question is what to do next. I have been told he can do a Statutory Declaration which will then reset the offence and he will need to answer to the two offences. How would this work if he was not the driver? My husband is not a confident man in dealing with courts etc and would rather not go to court and has suggested he leaves the MS90 on his licence and we somehow pay the fine. I am ok with him going to court and being honest to say he was not driving and I deal with the consequences. My husband is arguing that we could end up worse off and I receive a ban or higher fine. Would the MS90 impact his insurance severely or would the SP30 be just as bad. I have not really slept since last week as worried sick. Can anyone please advise what the best way forward is please?

Please can someone give me any advice on where I stand on this? Originally I paid £330 for deposits on bridesmaid dresses ordered with the agreement to pay the further £330 within 7 days of order arriving. However since then I have had financial difficulties and am unable to pay the remaining amount and needless to say the order has come back. Owner of the shop is not very sympathetic and basically stated that it wasn't her problem and suggested I find someone to help me sharpish. Now I have just received a county court claim for the rest although I have never had the dresses. What do I do??? I have 14 days to respond to the claim.

Thank you Liesa, I will do that and hope for the best!! Just worried if she decides to call in debt collectors?

Hi, yeah I remember signing for the dresses but all it states on there is if they are not collected and paid for within 7 days they have the right to resell them.

Hi all, I have tried searching some of the posts to see if I can see an answer, but nothing is showing!! Please help!! I have paid a deposit for bridesmaid dresses but due to financial circumstances and redundancy I can't afford to pay the remaining amount.The dresses have now arrived in the shop for collection and the owner has stated that if I don't pay the rest and collect them within 7 days she will commence with legal proceedings. Can she do this? Any advice is appreciated.....

Hi Hellhasnofury! The loan was taken out when my partner went into lloyds branch. The only signature on this form was that of the advisor and has been dated the same day as he signed for the loan. Is the rejecting your claim and what to do now (ie contacting fos) not the final response? I am also worried that they have said the local branch will cancel the ppi if he goes in. Are they likely to try to persuade him to either keep it or to take out another loan? Shouldn't they have cancelled this as we did request it in the original letter?

Thanks for the reply guys.... No I didn't ask for SAR as I managed to dig out all old paperwork with figures on. However, I am somewhat confused with the response from ltsb!! With the letter from ltsb they included a photocopy of the supposed credit agreement that my partner signed for the loan and also the "your personal summary & our recommendations". The latter has only the advisors signature and states " I have recommended that this product is suitable for the following reasons: to protect himself re sickness, redundancy, life and critical illness, accident and disability. However, it mentions that as he worked for an employment agency but should be covered if he was under a full contract. After reading the terms and conditions booklet, any employment of this nature from the wording is not covered. One of the rejected reasons on letter says that "ltsb records indicate that at point of sale you were warned that you would be unable to claim the unemployment benefit in respect of any unemployment of which you were aware of at the point of sale".My partner does not recall this document at all or the supposed conversation about not being able to claim for this benefit. Where do we stand with this now...at the end of the day whether they admit it or not, when he signed for this loan they told him he couldn't have it unless he took out PPI. Why would he have taken out a policy which is no good to him? Do we go back to ltsb or the fos now? Please help!!!

Hi all, It has been a while since I last posted asking about this very subject...I took the plunge and sent LTSB my first letter asking for the ppi to cancelled and to reclaim it back. I have now received a reply...... ...basically a get lost...we reject your claim. I am hoping that this is just there first line of defence hoping that I will leave alone now. What is the best route? Do I go back to LTSB or do I go to the Financial Ombudsman? Another thing also is that they have said if I want to cancel I need to go into my local branch. Don't they have to do this as it was requested in the letter? Any help would be appreciated...thanks!

Thanks Callumsgran....it doesn't just rain but it pours eh?? I will need to ask mother in law(to be) for actual date as she has receipt. It was paid via her credit card. Even though the wedding is cancelled I can't leave her paying it back. Think I will speak to the seller to see if they can lower deposit if nothing else...wish me luck!

Hello all you night owlers out there!!! I am hoping that someone could advise me if I can get a deposit back that I paid via credit card back for bridesmaid dresses. October this year I paid a deposit (unrefundable according to paperwork) for £330.00 for dresses which will be ordered in jan after the bridesmaids have been sized. However, to cut a long story short...my mom died 6 months ago and I have now been told that I have breast cancer-not sure if I will have to have mastectomy yet???. I don't feel that I wil be upto organising a wedding for july 08 but don't know where I stand with getting my money back. Does anyone know if I can??? Any advice will be greatly appreciated.

Can anybody help me??? I had car finance with FIRST RESPONSE when I was only 18 which is where I got stung. I know that I paid back an extortinate amount and had to pay ppi (was given no choice!). This account has now been settled for approx 6/7 years as I sold the car and paid off finance. Can I request a refund on ppi being mis-sold etc as they abused their position after so long? I have no documents left as I destroyed all of them....however recently I had a letter stating that there had been a data theft and they think that some of my account info was included...so to be watchful etc. Can I use this as the point of contact and can they track my account details down? Any help appreciated.....thanks!

Hi everyone... Just need a little help with a dilema against Littlewoods and their EXTRACARE Advantage Insurance. I took out my account with Littlewoods in 2001 and to this date have not signed an agreement of any form. I am not in any arrears but for the last few months I have noticed that I have been paying this extracare thingy...I have since checked back further only to notice that it has been on my account since 2002 (duh). I have never ordered anthing more than clothes....so I know I wouldn't need this. I have called this evening to make sure they cancel it and also to ask why they had added in the first place. The guy on the phone told me that this had been placed on my account after a sales call...this I know never happened. He stated that a policy was then sent out to me. I have never received this suprise suprise. He said that they didn't need a signed agreement for this as they are regulated by the fsa. He agreed that he would terminate it with immediate effect and he would refund the last 3 months worth 19.00 approx. Ok sorry to bore you......if I sent in request asking for cca should it show my signature and if not does this mean that they should not have been able to apply XTRA insurance? Can i reclaim all extra care charges added since 2002?