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Speeding fine 4 years, 9 months ago

13

Comments

  • The_White_Horse
    The_White_Horse Posts: 3,315 Forumite
    i got 6 points (3points on two separate days) in 2010. My insurance went DOWN the next year!! Madness.

    I am a speed demon at 33mph and 34mph respectively. A policeman with a speed gun hiding behind a bush! I was offered the speeding course, but couldn't do it as I had already done one 18 months earlier for going 34mph.

    stupid speed limits. am I contrite? not at all. I bet there is NO ONE that always drives at 30mph all the time (in 30mph zones obviously).

    I think you need different points. You should get 0.5 points and a tenner fine for a 5mph infringement and a 1 point for 10mph etc.

    the punishment doesn't fit the crime imo.
  • raskazz
    raskazz Posts: 2,877 Forumite
    kingstreet wrote: »
    As there technically isn't a conviction date for a CoFP/FPN

    Yes there is, and it will be stated on the counterpart licence in the column headed, er, "Date of conviction".
  • kingstreet
    kingstreet Posts: 39,445 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    raskazz wrote: »
    Yes there is, and it will be stated on the counterpart licence in the column headed, er, "Date of conviction".
    I know there's an entry on the counterpart which says "conviction date" I'd be interested in what date is added there when the driver accepts a CoFP or FPN.

    If you have the points removed in year four, the entry will disappear, so you'll have no point of reference after that.

    If anyone has any points and can clarify what's on their licence, I'd be interested to know.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Rover_Driver
    Rover_Driver Posts: 1,522 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    The date would be when the penalty is paid - s.57(3), Road Traffic Offenders Act 1988.
  • kingstreet
    kingstreet Posts: 39,445 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks RD.

    So, for insurance purposes, we're using five years from the date the fine was paid.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • The_White_Horse
    The_White_Horse Posts: 3,315 Forumite
    just use the date on yourlicence. you can't go wrong.
  • mgmgrand1
    mgmgrand1 Posts: 62 Forumite
    Why do Insurance companies ask for 5 years worth of convictions? Just out of interest. It does seem a unfair that if you are being punished for 5 years rather than 3 years.
  • FlameCloud
    FlameCloud Posts: 1,952 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    mgmgrand1 wrote: »
    Why do Insurance companies ask for 5 years worth of convictions? Just out of interest. It does seem a unfair that if you are being punished for 5 years rather than 3 years.

    Thats how long the conviction is until it is spent under the Rehabilitation of Offenders act.
  • fogma
    fogma Posts: 41 Forumite
    I have 3 counterparts.

    After the original offence I got sent one where written in pen it says

    Date of conviction - "conditional offer"
    Date of offence - "03/10/01"

    The next counterpart says the same but printed as opposed to written by hand in pen.

    The third counterpart received recently doesn't have anything at all written on it.

    I'm not sure what this means but there is no "conviction date" on any of them!
  • on this matter i'm just looking for some advice, i took my insurance out would you believe it 3 days later i got a sp30 through the post. i have 9 years no claims and didn't know i was supposed to declare it there and the as i thought i just had to declare it upon my renewal. since this somebody has run into my passenger door and now the insurers have told me that i must pay £165 administration charge plus an extra £20 a month on my policy. hence this has put my insurance up by £300 per year just for an sp30. is this correct or are they trying to pull one over o me..??
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