This is what I have received after sending proof I was out of the country at time of speeding offence I still have no idea why they sent to my previous address when the car had never been registered there . Also I had a fine on the car at my current address when the car was one year old as I had forgotten to tax it (zero tax so didn't realize i still had to go on line and tax) nv let.pdf

Hi all I spoke to the courts earlier today they advised me that the points placed on my licence were removed in October 2019, and that a court date is set for November 26th. Guess what ??? I had not been given that info either. The courts were very helpful and explained to me that everything had been sent to my previous address (which I have not lived in or owned for 5 years) The car in question was registered in March 2016 and I have owned since new and has never been registered to my old address. I have proof of this down to the point of not taxing the car March 2017 as the car was zero tax I did not realise I still had to go online and tax it, the summons for that was sent to my current home address. it is very strange that the police directed everything to my previous address. i then contacted the police on the number given by the courts and was told to forward proof I was out of country at time of offence for them to look at, the police officer was very understanding and quite helpful giving the information. I have to e mail her tomorrow and will give an update when I know more as this previous address thing is really confusing !!!

The 1st I knew about any offence was in October 2019 and believe the letter from police was saying that they believe I did not receive the 1st one sent out. I was not in the country on date of offence which was December 5th 2018, if I had received ANY communication regarding the offence at the time I would probably been able to narrow down who was driving. i have had no other communication of this offence other than this letter saying I should either lead guilty or send the forms to the court pleading not guilty which. Have about 4 weeks ago but had no reply. The latest SJPN sent on 07/10/2019 states as charges on it 1) speeding 2)fail to give information relating to the identification of the driver. It states I have 21 days to plead guilty or not guilty to these charges. I have sent back within that time frame saying not guilty and explained this letter is 1st time I have known of this offence. I still am waiting for a response, but will ring them today and update on here

Brief description , I went away on holiday in October 2019 came back to the letter attached. States that I was speeding in December 2018 (I was actually out of the country on the date too). It says that I may not have received original correspondence, so they are sending the SJPN again for me to fill in. I filled the form in explaining that I was out of the country at the time and had no idea of this offence until October 2019. I could not hand on heart say who was driving at the time as it could have been 3 or 4 family members who had access to the car and when asking them they also said they were not sure who if any of them it would have been. a month has gone since sending this form back have had no response from the court. Whilst in work I was requested to do a DAVIS check on my licence and then it came up with me being given 6 points back in April and failing to name the driver. This now means I have given my insurance company mis leading information saying I have no points , my other big problem is that even though the police said they sent the courts the information and I have been found guilty of the offence in my absence I have had no communication from the courts saying I was being given points or fined (which I would imagine I would be). The car in question was registered to me at my current address, there is no confusion of moving addresses in this time. I have heard stories of bailiffs turning up regarding matters like this and have a good credit history I don't want destroyed. Do I need to get a solicitor involved in this and if I win the case can I claim the costs back ??? police letter.pdf

that demands and needs could be your gt out of jail card, if it actually says your doing over 20k per annum. if so get in touch with FSA AND ALSO get in touch with ford credit and tell themto get involved. 7/8k offeredis way way to cheap for a zetec s tdci, nearly half price with only 13k on i dont think so!! i am actually going on holidays tomorrow so will not be able to offer any help for a week but if not resolved when i come back i will be in touch with you.....neil

how much neg eq do you have?? how old is your car?? how much mileage? any extra's street pack b/t usb etc and what condition is it in?? have you taken it to any other dealers for a valuation to see what they will offer. i know it is common practice to use less mileage in pcp agreements but it is normally only when customer pays a substansial deposit. you have definitley been mis advised but proving it could be difficult if it is your signiture on everything including the demands and needs. have you gone back and fronted the salesman that told you all this?? tell him you have come back as he suggested and want to do as he said ie change car for lower amount? take someone with you and say they were with you when you signed and was witness to his comments

Hi I work for a Ford dealership, i am aware of options deals, if you sign a new agreement you will be dealing with Ford credit(fc) not Evans Halshaw (eh). you will see on the finance agreement what your true deposit is, anything over 300 is your equity from earlier car. what would happen is your settlement figure would be contra-settled ie taken out of monies paid to eh. should you then cancel deal in cooling off period it would then bring into question whether your earlier deal would be re instated. As if you were able to walk away with no debt everyone would be moving negative equity over to new agreements and walking away from their defecit. your other option is to downsize cars if you want to lower expenses or shop around to see if there are any better deals out there....... ..............................regards Neil

bob . darke at comet.co.uk maybe if you contact the ceo direct he will get things sorted for you!! sorry i have had to post address like i have but cannot post it properly until i have 10 posts in the bag. good luck