diving with no insurance

[caila25]

can you help. my boyfriend has just passed his test 1 week ago and has been driving my car with me as passenger. we got pulled of police for no insurance as it had been cancelled without us knowing. i am the policyholder and who pays for the insurance. the police have siezed the car and said i was getting 6 points but then changed there mind and didnt but what wil happen to my boyfriend as as far as we were aware we were insured and i dont want him to lose his licence because of my mistake

[ummmm]

Oh, and does your wife know you're talking to me? Errr, what's your name again?

Something like that...

[wiltsman]

Hi Caila25 - You've been told what will happen to your boyfriend over this unfortunate business. But there is one thing in mitigation that may help when he goes to court.

I worked in a bank dealing with customers changing banks and transferring their Direct Debit details. Now banks and building societies must liaise with each other when dealing with clients Direct Debit details.

You said earlier:-
'I changed bank details and gave new ones to insurance but they didn't change them so last payment defaulted as it came from old bank with no money in'.

Your new bank should have instructed you to leave enough money in your old account to cover payments due from Direct Debits, because they can take a little while to set up. Then, only when they have your new account fully up and running with DDs coming from the new account would they have advised you to close the old account, and to transfer any amount left to the new one.

If your new bank didn't tell you this, get them to admit they failed to tell you, in writing, and that can be produced in court as mitigation. Unfortunately if they did inform you and you chose, for whatever reason, to ignore their instructions then I'm afraid that is another matter.

I am sorry for your predicament which I think is down to your naivety more than anything else. Although adverts put out by the banks make transferring seem easy, I know that I would think twice before I ever change bank accounts. My advice to anyone else would be, do it when you're feeling flush, because if you have a lot of DDs, then money to cover them needs to be lodged in both the old and new banks.
Companies all act at different speeds when it comes to acting on new DD instructions.

I do hope things work out as best as they possibly can for you and your boyfriend.

[ummmm]

She could have been talking about my wife....

[caila25]

thank you wittman

[caila25]

i know theres no excuse for throwing letters away but whats done is done i cant change that. i take full responsibilty for this all i wanted to know is what would happen to my boyfriend i mean why should he suffer because of me?????

[ummmm]

Lol mamy....

Again Caila....you were given numerous answers that you chose to ignore.

[caila25]

im not disputing the answers i was give but certain people started being nasty 4nothing before they even know me im actually a really nice person but i will not accept peolpe judging me first

[ummmm]

There's been better Bob....lol

[caila25]

look to everyone who thinks im just trying to make excuses up i know i did wrong by not making sure the insurance was legit but whats done is done all i wanted to know is what coul happen to my bf licence that is all

[ummmm]

Are you not so angry now?