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?

Thanks everyone for your replies..... Update: Spoke to ward manager who has done some investigations however nothing has been found. Really nice lady actually couldn't be more appologetic. She is sending out a claims form. Although this is a nice gesture it isn't what we wanted!!! Thanks Panthro for pointing out the obvious....hindsight is a wonderful thing. I have to say you have actually offended me. My mother was in no fit, conscious state to look after her own belongings. It took the doctors nearly 3.5 hours to see her on admission to even look at my dying mother. By this time it was late in the evening. My brother was called out of bed early in the morning to go to the hospital to sign a consent form for her biopsy-nurses forgot to do this on the evening prior. He was being bombarded with info....complications of procedure etc.....mind not thinking clearly!!!! It was the nurses duty upon admission to advise of belongings procedure blah blah (not done). Then at time of consent being signed he was only told to remove jewellry no option given to store for him. I know nurses have a hard time but it is disgusting when a dying unconscious women can't leave her belongings no matter what the cost next to her bed. She went down for her biopsy in the morning and came back up before visiting time. That tells me that it more than likely was a member of staff!!!! My mother didn't have much to leave behind....something personal like this we should have back. You may lol at the inexpense but someone thought they were worth taking. In the time that we spent in the hospitals I saw many disturbing situations...that quite frankly most the time has nothing to do with the resource of nurses. It is plain disregard and lack of commonsense. I'm sorry to say "Clock on clock off mentality!!" I doesn't matter if it's someones mum, daughter or nanny...... Sorry I am probably getting alot of peoples backs up right now but I am really angry with the NHS. Feeling let down is an understatement. You expect to go into hospital to be looked after. I only hope that other families don't have to go through unneeded extra upset!

Hello, Don't know which way to turn with my dilema at the moment so I am hoping that someone can help!!! Sorry that it may be a little longwinded. At the end of May this year my mom was admitted to hospital with confusion and headaches by a paramedic. Once at hospital in A&E it took them 4 hours to assess her. They couldn't work out what was wrong so they did a CT Scan which revealed a large brain tumour. She waited from the early hours friday to the tuesday before she was transferred to another hospital specialising in tumours and such like. Lack of beds and because it was the bank hol weekend. The consultant told me after me moaning constantly that even though my mother was very ill she wouldn't have any futher scans/tests until after bank hol!!!!! Thought hospitals were open all year round especially for very ill patients. The doctor at the time, after some badgering, told me that my mothers prognosis was poor. This made me feel that the reason for the delay was because they had given up on her. Once she had been transferred to the other hospital she again waited over 3 hours to be assessed by the doctor. They took blood tests and scheduled her for a biopsy the next morning. My brother was called to sign the consent form and was asked to remove her jewellery. He did this, but as you can imagine he wasn't thinking straight, he left them on the locker next to her bed. The nurses didn't offer or even mention a safe belongings deposit box behind the nurses station. My mother returned from the biopsy and never regained conciousness. She passed away 2 nights later. The necklaces needless to say were never seen again. I have made many calls to the hospital concerned speaking with the bereavment office and the ward involved. However, there are always different nurses etc on and no-one knows where they could be as there is no record of it in the belongings book. I really don't know where to go with this....they are not of high money value but they are sentimental. Can I report it to the police and will they investigate it? I am already writing a letter of complaint to the first hospital regarding hygiene. It is not hard to understand why people go in for even the most minor ops and contract the hospital superbugs that are rife at the moment. But that is another story. Any help will be greatly appreciated!!!!!

Thanks sandbro.....sorry for delay in posting reply but haven't been logged on since. Reidnet I have tried to PM you but I'm not sure it has worked!!! Do you have an edited version of the letter stating you wanted to cancel ppi that I could browse through to give me an idea? Michelle

Hi everyone, Only posted on here twice before....so please bear with me. I am wanting to try to reclaim PPI on partners loan he has with LTSB.....but I have a few questions first. (Can't believe how nervous I am!!!!) 1. I need to cancel the ppi firstly but where do I send the letter and more importantly what do I put in the letter. Do I just simply cancel and then send another letter claiming it back, or do I do it all at once? 2. How long do they get to respond to my letter claiming being mis-sold?(partner was told that if he didn't take out ppi then no loan....I have also since found out that he would not have been covered by the ppi anyway as he was working on a temporary contract for an employment agency at the time loan taken out). 3. I have no figures at the moment as to how much we have paid in PPI so far -so do I need to request sar??? These have probably been answered already and are starring me in the face but at the moment the phrase "can't see the wood through the trees" seems appropriate. Any help appreciated from you guys....please!!!!

not sure to be honest what I expect to get back as I have not got the sums......hoping that once I have details from bank I can send off for SAR!! All I remember is that I was in a very vulnerable position at this time and young to boot...they took complete advantage of this. I was told at the time no PPI no loan!!!!! When they did add PPI I do remember it being extortinate. Can I only go back 6years or can I try anyway if it's longer?

Hi to all you reading this at this unsightly hour.....but I am hoping that someone can help me. After reading thread after thread about PPI and starting a claim for my chap I got into thinking about a car finance I had a few years ago. I settled the loan early.... in 2002 sometime but have since destroyed all paperwork. I paid the repayments through direct debit...do you think that if I contact the bank they will be able to give me the details of the finance company? Any help appreciated......

Thanks hellhasnofury! I do have just one question though.....should my partner call up Lloyds and try to cancel the ppi first?

Thanks for your replies....I am going to try to dig out the paperwork to see if tells me. He was working with the agency contracted out to Land Rover but was told that it could finish anytime. He would be given one weeks notice. I was kind of hoping that being on the agency wouldn't have been covered....another arrow to my bow!!!!. Think I will still persue them for the PPI on the fact that they told him no PPI no loan in a nutshell.

Hello guys and girls, This is my first time posting but have looked for an answer to my query to no avail!!! 2 years ago my partner took out a loan with LTSB...he was told at the time that if he didn't accept ppi then the loan would more than likely be declined. Of course....he took out PPI!!!!! At the time he was working for an employment agency...which the bank knew! I have read many threads that if you were self employed etc then the PPI was inapropriate anyway. However I can't seem to find any details on whether being on an employment agency at the time has the same affect. Can anyone help....please?????