Show Posts - disgruntchelt

I’ve had success in the past with a chargeback on my debit card.I’m assuming you still used a debit card via Google pay?  If not does Google pay have any consumer protection you can invoke?

Having read the judgement I linked to the cases looks similar and probably caused by the same issue. Dont expect the ombudsman to grant what the modeller said but you can probably get the compo upped a bit.

Worth pursuing this:This case looks similarish form a very brief skimhttps://www.pensions-ombudsman.org.uk/decision/2025/cas-73951-k5q9/local-government-pension-scheme-cas-73951-k5q9

It means you complete the S172 but don’t sign your name. Can you search this site for references to going unsigned to read about the implications.

Is going unsigned still an option in Scotland?

Do you have any evidence that it was received today? (Postman who witnessed you open it)Is there any explanation for the delay (crumpled envelope, writing on envelope saying delivered to wrong address etc?)

Do you have any points currently? If you were already on 6 points it might be worth trying your luck with a sympathetic magistrate. (Risk vs reward ratio).Were you actually holding the phone or was it resting somewhere or in a cradle?

Were you the driver.  If not provided you name the driver or who you believe was the driver by 28 days after the second s172 I wouldn’t imagine the police would prosecute you for FTF.  That might change if you don’t name the actual driver and the case times out.However I can’t see how the driver gets a time out assuming you name them as late as possible.

When did you move to your current address.The fact you updated your address 2 month after the incident does not matter. If you’d updated it one day after they got your details you’d still be in the same boat.Did you have postal redirection in place?

Is your dad able to fill the form in himself?If he is then you can tell him you were driving and he has a choice.  Fill the form in or not fill the form in.The penalty for not filling the form in will be 6 points and a large fine. If he fills the form in you get 3 points and a (smaller - £100) fine.  You will then have a tiny bit higher insurance premiums and will be closer to a totting ban. Or you might be offered a course so will have a £100 outlay but no points.Your dad can then make the decision on his own on whether to name you or accept his punishment for not naming you.But, if you want advice get the form returned asap naming yourself and then reply to your own S172 asap to get the course.

I think the text saying no to rust gives you a good case at the small claims court.

The hire cars insurance will cover the bill as it was the fault of their car whoever the driver. I would imagine the police are looking at the hirer carefully to see if the theft claim can be substantiated or whether it was a cunning ruse.

Why don’t you want to use the car parking space provided?

Quote from: 666 on 01 Oct, 2025 09:22OP said "offence was December 2024 and house move was in October 2024.", so "only just moved" would be stretching the truth a little.Perhaps drop the only so it’s “just moved” so the op isn’t stretching quite so far

And when did you update the V5C?I’d still be inclined to tell the prosecutor that my defence was I’d only just moved and due to the Christmas break my V5C hadn’t yet been updated.You want them to drop the prosecution as you’ve plead guilty to speeding (unless you can change your plea) and hint that you have  a defence against the FTF