I am not expecting a NIP even although our speed camera vans were out on Christmas day, and I saw one monitoring 20mph traffic in deep snow. (overtime?)
As our post is in well documented chaos what would the situation be?
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"Published Date: 30 October 2009
A motorist from South Yorkshire has had a speeding conviction quashed by the High Court - because a 2007 postal strike led to the late delivery of a crucial prosecution document.
A statutory notice was sent warning Peter Gidden, 48, who runs his own specialist Toyota sports car workshop, that he had been caught by a speed camera and the police intended to prosecute, but it arrived two days late.
The law states that such notices must be delivered within 14 days.
The one sent to Mr Gidden, of High Street, Dodworth, near Barnsley, took 16 days because of the backlog of undelivered mail built up after the strike in 2007.
Lord Justice Elias, sitting with Mr Justice Openshaw, ruled the whole prosecution process was defective because the time limit had not been met, and Mr Gidden's conviction must be quashed.
He rejected arguments supported by lower courts that so long as prosecution warning notices were posted within 14 days - so that in ordinary circumstances they would arrive in time - they were deemed to have been properly served.
Lord Justice Elias said: "This case raises an issue of some topicality given the current postal strike and is of no mere small interest."
He warned the police and prosecuting authorities not to use the first class post and said they must adopt other means of delivering "statutory notices of intended prosecution" (NIPs) if they were to avoid the risk of late delivery.
Late is late whether strikes or snow.
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Slightly different there, the CPS knew there was a strike, and knew there was a likelyhood of delay, must have been aware that delivery outside the 14 days was possible, yet still used the post.
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CPS strike would have no-effect - purely a matter for the Police at that stage of the process.
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whoever then, it was still sent in the knowledge the 14 days could not be met.
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The statement for the credit card on which I have a balance arrived late a few days ago.
A recorded message at the call centre warns that some statements were delayed due to the snow.
What it doesn't say is if any leeway will be given for late payment.
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The statement for the credit card on which I have a balance arrived late a few days ago.
Why should they give you an extension? You were expecting it, if it does not arrive it is up to you to find out what you should pay by when. Simple phone call or web enquiry!
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...Why should they give you an extension?...
I didn't say they should.
As regards expecting it, I think it is reasonable to rely on the arrival of the statement as a reminder to pay the balance.
I'm not sure where you've been hiding if you think a credit card company can be reached by 'a simple phone call'.
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>> I'm not sure where you've been hiding if you think a credit card company can
>> be reached by 'a simple phone call'.
The telephone number is on your statement.......
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...The telephone number is on your statement...
...which didn't arrive, ho-ho.
It's also on the back of the card, but the embossing makes it unreadable.
The real problem is navigating through the call centre menus.
I made a start on it, but gave up.
Rather pay the late payment fine, if that's what I get.
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>> The telephone number is on your statement.......
But then you have to go through the mill of inputting 16digit card number and DoB & ten minutes being assurred how valuable your call is before finally speaking to an Indian on the end of a piece of wet string...........
Who asks for a password you cannot remember and tells you you've failed security!!
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...then you have to go through the mill of inputting...
Quite so, a dead loss.
I tried to register it online, but the form wouldn't accept my chosen password.
I phoned the web helpdesk and got through to a human who told me: "Just use 'Hello1', I know it takes that. You can change it when the account is activated."
He the told me no payment could be made until activation, which would take a few days.
It was at this point I reached for the cheque book.
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Interesting. A few years ago my son got a NIP from Nottingham. It arrived well after the 14 day limit so I rang them up and they said it had been posted so that it would arrive within 14 days. I pointed out that they had posted it by 2nd class and there was not readable postmark as to when it had been posted, why wasn't it sent recorded or at least 1st class? They answered that they couldn't afford that. "Could I see some documentation as to when it had been posted?". " No, we don't keep a record", they said. "You will have to prove that we didn't post it in time." "How do I do that," I asked - "You can't, it's impossible," they replied.
Further advice (can't now remember exact details but I did contact that website for contesting motoring fines - Pepipoo?) ) suggested that my son should just pay the fine because it would be impossible to prove that the NIP had not been posted so that there was "a reaonable expectation" that the NIP would be delivered within the time limit. Contesting the NIP would be a waste of time and money.
P
PS Sorry about odd "quotation marks" - forgotten "the rules"since 2nd form at school - about 50 years ago!!
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like every over agency i have been banging my head at this last 6 weeks they all say its not their problem
so you are nicked,banged to rights,key thrown away,dun for
probably....
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Credit card payment ideas.
1. Make a note of the contact number so you have it if you don't get the statement
2. File your statements so you can still get the number
3. Use saynoto0870.com to find a 01 type number instead of an 0845 for when you phone
4. Set up a direct debit to clear your balance in full on the due date.
If you can't pay off your card every month don't use it, or get rid of it - the interest rates are B Stupid!
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Phone numbers are on the internet as well.
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I keep the contact numbers for all my cards in my phone in case my wallet is lifted, Just hope my phone isn't. :-)
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"If you can't pay off your card every month don't use it, or get rid of it - the interest rates are B Stupid!"
If you need a loan for a few months a credit card is about the cheapest option. Not a good idea for long term credit though
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"... loan for a few months a credit card is about the cheapest option"
Really? Whenever I've used the card for cash (v rare) it seems to have enormous charges that just drag on month by month.
btw as well as the 0845 number, my card also has on the back a "normal" phone number for use when you are abroad - it's even reverse charge!
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Smokie, have you ever tried calling the international number on the back of a credit card. The message usually says welcome to the stolen card helpline or words to that effect.
Being late doesn't necessarily incur a penalty as such - you will incur interest for sure. And this late payment will almost certainly get flagged to credit agencies.
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With a few C Card interest rates up to 30% and most of the rest around 20% how can that be better than a bank loan or even an authorised overdraft? Some parts of country have Credit Unions which provide small loans at very good rates.
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Rather than borrow cash better to buy what you want on the card, or don't pay your full balance at the end of the month. A credit car is still probably the cheapest and most convenient way of getting a loan for a few months.
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>> Rather than borrow cash better to buy what you want on the card,>>
I am sooooo looking forward to interest rates going up in the near future.
The "I must have it now" people are in for a shock.
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credit card company didnt get my cheque for the 20th of december payment and my card was put on stop
i didnt know this until i came to use it this week and it was refused (very nice thank you)
rang credit company and they said £12 fine for non payment plus obviously charges incurred,i paid it all off on a debit card and they said £5 fee to do this ,i kicked up a stink and they waived the £5
i then rang my bank sand and hopeless and they charged me £12 for cancelliong the cheque lost in the post
then you wonder why i hate the post office and their miserable hopeless postal system and their last mile
its only a mile but it cost me £22
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I'm not sure whether you think I am an "I must have it now sort of person" ON but I am just pointing out for an occasional and small amount of credit a credit card can be a sensible choice and often the cheapest.
If I want to spread an unforeseen cost of say £500 over a couple of months a charge of £15 or so it will cost me around £15. If I regularly wanted credit I could arrange an overdraft but that would incur an annual charge. The bank would not want to give me a bank loan for less the 12 months.
Incidentally credit card rates have only a very loose relationship with bank rate and an increase is unlikely to make much difference. By far the biggest influence on your credit card rate is your credit history.
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A son's Tesco CC bill did not arrive..............phoned up and Tesco knew about delays in their printing and /or Post Office Delivery.
The taped message said delays would not attract interest/late payment.
A week later still no bill so he phoned again - clerk said there was no waiver and there would £12 + interest until bill is cleared.............he got an exact balance and paid it over the phone - no interest/late charges promised but better safe than sorry.
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>> A son's Tesco CC bill did not arrive..............
Mine arrived Saturday morning. Usually it would arrive around the 18th or 19th of the month. Fortunately I pay it by DD and could access the payment online to see how much it was and to make sure there was enough money in my bank account to pay it.
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The card I posted about is a Tesco one.
It wasn't stopped, and they will have received the payment by now.
The next statement can't be far away, so I shall wait to see if any late payment charges have been added.
I might be prepared to accept a flat £12, but not any interest because I'm in an interest-free period.
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Tesco are very good - chatting to their call taker when I forgot to make a payment when I was widowed she told me that they have discretion to cancel late payment charges if customers are nice.
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...Tesco are very good - chatting to their call taker when I forgot to make a payment when I was widowed she told me that they have discretion to cancel late payment charges if customers are nice...
PU,
That post was looking good for me until those last four words. :)
To be serious, if I am charged, I might ring them.
But unless I can get through in a reasonable time, it's probably not worth the effort if the charge is only a few pounds.
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My CC bill has been late for the past three months so I just ring them up and navigate the options until I speak to a human , get the balance and make a debit card payment .
I then ask for the unique payment reference from them and and complain to them about the late statement delivery and ask for a copy of the statement so I can check it.
I did note that this month they had a message advising that the statements had been delayed and that late payment would not incur a penalty.
I would want that assurance in writing.
It is better just to use your memory, pay on time and be done with it.
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...It is better just to use your memory, pay on time and be done with it...
True, although I also rely on the payment slip and envelope which comes with the statement.
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Iffy - You're far better off paying by direct debit or internet banking - cheques are very yesterday and you depend on the post to deliver it. Even if you set up a DD for the minimum payment you avoid charges (apart from interest of course).
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...You're far better off paying by direct debit or internet banking...
I am reluctantly coming around to that way of thinking.
My other credit card - I tend to alternate - is paper-free and set up for the internet.
Trouble with that was the payment date came and went without me realising, so I was hit with late payment charges just the same.
It's a Tottenham Hotspur affinity card run by MBNA, who I think were supposed to send an email reminder when the virtual statement landed.
Can't remember if they did or not.
When I come to use that card again, I will have to keep a closer eye on it.
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It's a Tottenham Hotspur affinity card
Big penalty charges with that one..
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It's done some enormous balance transfers.
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Latest Tesco credit card statement arrived today and it shows a £12 late penalty charge.
Tesco admitted sending the previous statement late - it arrived a day after the due payment date.
It would have been a nice gesture not to apply the charge, but I'm not surprised they have.
Not worth questioning it.
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>>Not worth questioning it.
Why not? I have on two occasions and the charge has been cancelled.
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...Why not? I have on two occasions and the charge has been cancelled...
The payment was late and it takes an age to get through on the phone.
They've pitched the charge at the right level, if it was much more than £12, I might be inclined to have a go.
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I know it isn't much in the scheme of things, but for the price of a 2nd class stamp and 3 minutes on you PC, it's £12 towards your new cistern.
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>> I know it isn't much in the scheme of things, but for the price of
>> a 2nd class stamp and 3 minutes on you PC, it's £12 towards your new
>> cistern.
Don't forget you're talking to a Mac owner :)
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...Don't forget you're talking to a Mac owner :)...
Ha-ha.
A pottyless, but happily not potless, Mac owner. :)
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...and 3 minutes on you PC...
If only, took 45 minutes trying to register the card a couple of weeks ago and it still wouldn't have it.
I suspect at the time there were lots of little postal punters like me who had just received their late statement trying to do the same thing.
I'm really not keen on the call centre, but I suppose if I could have a grumble online it might be worth a try.
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>> Not worth questioning it.
Is this the same person who only recently posted "Could pay - won't pay"?
www.car4play.com/forum/post/index.htm?t=3144
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...is this the same person who only recently posted "Could pay - won't pay"?
www.car4play.com/forum/post/index.htm?t=3144...
VxFan,
Yes, and it's the same person who only recently posted "Could pay - have paid".
www.car4play.com/forum/post/index.htm?v=e&t=3677&m=75579
It's called making choices - startling don't you think?
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It will go on your credit record as a default.
If you challenge it then they could well amend the records to remove reference to a default.
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...It will go on your credit record as a default...
Tripe, no credit has ever been advanced, there is no loan, so there cannot be any default.
The parking companies would like you to believe there is a credit element, it's all part of the threats.
Equally, you cannot establish a debt simply by writing to someone demanding a few quid.
Dear hjd,
You owe me £100.
Yours,
Iffy Extortion Services Ltd.
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Won't it affect your credit rating though - missing a payment on time ?
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...Won't it affect your credit rating though - missing a payment on time ?...
I assumed, perhaps wrongly, that hjd was referring to the parking 'fine'.
If he wasn't, apologies to him.
As regards the late payment charge, I don't see it affecting my credit rating.
The card has never been stopped, it's just an item on the statement, and there have been no nasty letters.
One or two members here have some professional expertise in this area, so perhaps they may have something to add.
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......Won't it affect your credit rating though - missing a payment on time ?...
The plot thickens....
A Default Sum Notice for £12 arrived in the post today, but it seems that is not the same as a default.
According to moneysavingexpert.com there is confusion over the way these things are worded, partly due to a change in legislation.
It seems my Default Sum Notice is not recorded on my credit record, provided I pay it in full within 90 days.
If not, it then becomes a 'proper' default and may appear on my credit record.
More info in posts number seven and nine in this mercifully short thread:
forums.moneysavingexpert.com/showthread.php?t=1396503
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>> It's a Tottenham Hotspur affinity card
See you at the home of London football on the 29th?
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...See you at the home of London football on the 29th?...
Ah, a cottager.
That's Fulham before any of you start.
Don't get down to see Spurs like I used to.
Last time I was at Fulham was for an FA Cup game, and from memory, I think we might have drawn.
What I do recall is Chelsea were away at Middlesbrough, and a large number of their fans decided to go to Fulham, partly to bait/beat-up the y**s.*
On the pitch it was Fulham v Tottenham, but in the stands it was Chelsea v Tottenham.
It was when they incessantly sang 'One Man Went to Mow'.
Don't know if they still do.
*Edit: Looks like the swearfilter doesn't like y-i-d-s.
Last edited by: Iffy on Tue 11 Jan 11 at 13:00
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The knuckledraggers from Walham Green Dog Track often do this.
When we play them we sing "One man wouldn't go, wouldn't go to Israel.......". If you remember the incident.
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>> See you at the home of London football on the 29th?
You wont feel at home if you move to the Olympic Stadium.
Spurs in Stratford would make the Gazza Strip seem peaceful.
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Too subtle for you was I, Z? And you a follower of another London (well, Essex) club. Tchoah.
Spurs are coming to Craven Cottage, home of London's oldest football club, in the FA Cup. We ain't movin' to no Stratford.
Last edited by: Alanović on Tue 11 Jan 11 at 13:03
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...The knuckledraggers from Walham Green Dog Track often do this...
Ho-ho.
The Bridge obviously used to be or have a dog track?
Chelsea was always the most unpleasant away trip from an aggro point of view, followed by the often less than 'appy Hammers.
a***nal, strangely, wasn't too bad.
I reckon it's because the demarcation lines are harder to draw geographically because the clubs are closer together - both sets of fans travel in all directions afterwards.
The proximity also means there are a lot of families with both a***nal and Spurs fans.
NB: Swearfilter's not very football friendly, is it?
Mind, I shouldn't criticise it for not liking the Gunners.
Last edited by: Iffy on Tue 11 Jan 11 at 13:14
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>> The Bridge obviously used to be or have a dog track?
>>
Yes, it was originally built to entice Fulham FC out of Craven Cottage, however the club preferred its existing, genteel riverside location and stayed put. Therefore, the owners of Stamford Bodge were left with a stadium which had no use. They installed a dog track, and then set about creating a football club to play in it. They toyed with the idea of calling it "London FC", but settled on Chels*a, even thought the ground is within the bounds of Fulham. The spivvy, opportunistic way the club was born has permeated its culture ever since, and it has always been run and supported by the shady in society.
The sad part of the story is that the new club has, rather irritatingly, had more success on the field than the original, however at least it has served the purpose of attracting most of the low-lives in the area and keeping them away from the Cottage.
Another thing which FFC gifted London football is a***nal's home kit. Those were the second generation of Fulham's home colours (after dark and light blue quarters, a la modern Wycombe Wanderers), and the people who set up a***nal copied them. After this, FFC switched to it's now famous black and white attire.
Here endeth the sermon. Amen.
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Here endeth the sermon. Amen.
This will go down in annals of Car4Play as the most incredible bit of topic drift - to think I nearly booted it over to Motoring at one stage !
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...This will go down in annals of Car4Play as the most incredible bit of topic drift...
You can't beat a bit of red hot soccer chat - as David Mellor used to say on the 6-0-6 phone-in when he was the host.
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>> This will go down in annals of Car4Play as the most incredible bit of topic
>> drift - to think I nearly booted it over to Motoring at one stage !
>>
Thread drift, this is a full scale power slide. What is Football ? :-)
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>> Thread drift, this is a full scale power slide. What is Football ? :-)
Don't worry about it, there isn't any in Scotland.
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>> a***nal, strangely, wasn't too bad.
>> NB: Swearfilter's not very football friendly, is it?
I reckon the above quote looks far ruder than leaving the club's name in place.....although it doesn't sit well with your stance on alternative sexualities on the other thread, Iffy.........
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I was going to edit the proper name in. Don't start him off again !
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...a***nal, strangely, wasn't too bad...
Never tried it, never will - unless I get sent to prison.
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So do I :)
That's Karma for the Mods!
Pat
Last edited by: pda on Tue 11 Jan 11 at 17:24
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NIP delayed by post chaos? - Perky Penguin
