Speeding help! I'm so scared

neilmcl

Blackbeard_of_Perranporth wrote: »

Each offence is a £100 fine. You may be offered an alternative Driving Awareness Course, at £85 - £100 for one of the offences. Expect 3 - 6 points on your licence. Payment is in full within the 4 month time limit. Don't delay.

See my post above.

Blackbeard_of_Perranporth

Nattylou74 wrote: »

So I have 4 months to pay?

You have four months from the date of the offence to do your course. If you are offered a course, you are advised to take this at the earliest opportunity. When you pay for the course the money is taken then, in full. You cannot pay in installments.

The fine for penalty points is due within 28 days of being informed of this, in full.

Supersonos

Nattylou74 wrote: »

Is that per ticket or total? I earn just over 500 a month! It's gonna take me years to pay it off.
What if I go to court? What happens then?

How much is your car worth? You could sell it, pay the fine and then use whatever is left to buy another (albeit cheaper) car.

Alternatively, just sell the car anyway so you won't be tempted to endanger other people again.

Joe_Horner

Blackbeard_of_Perranporth wrote: »

When you pay for the course the money is taken then, in full. You cannot pay in installments

That's true if you book and pay online but, if you phone your local course provider and speak to someone, at least some (if not all) will accept a deposit when booking and the rest later - as long as it's fully paid before the course date.

Obviously, if you don't make the payment as agreed you lose your place and will end up in court for the speeding.

Indout96

Not wanting to make the situation worse but don't forget you have to also inform your insurance company when you get the points (NOT at renewal) so they may want more money.
When I got my 3 points (first in 37 years) my insurance wanted another £70 for the balance of 9 months left on the policy.

Car_54

Indout96 wrote: »

Not wanting to make the situation worse but don't forget you have to also inform your insurance company when you get the points (NOT at renewal) so they may want more money.

That depends on the insurer. The OP needs to read her policy documents.

macman

If offered, take the SAC, not the points. Points mean an increase in your premium.

Car_54

macman wrote: »

If offered, take the SAC, not the points. Points mean an increase in your premium.

Not necessarily. And some companies (e.g. Admiral group) apparently increase premiums for courses.

macman

AFAIK, it's only Admiral that do this. Correct, a hike in the premium may not apply, but why take the chance?

AdrianC

macman wrote: »

AFAIK, it's only Admiral that do this.

Admiral group - one company, several brands.