will i have my license taken

[andrea85]

Iv been pulled today for having no car insurance, i explained that the policy was in my name but the payments got taken from my ex's account but id paid her the full amount owed wen we split up, he done a check and turned out she had cancelled it in august, he said id get 6 points and a fine, but iv only been passed my test a year so id lose my lcence, but he then advised me to go to court as i needed my license for work (home care assistant) and my daughters dad lives 200 mile away so i take her to him every other wkend, he said the judge may only give me 5 points and the fine so i can keep my license, as it was done withouit my knowledge altho i take full responsibilite for leaving it in her hands, what do you think will happen?

[jake-the-peg]

Wow Lucy life must be traeting you badly.

I can't think of another reason that you'd come on to the motoring forum to show us all how literate you are.

Or pehaps you were hoping to help others with an in depth insight into the crankshaft torque on a straight 6 engine.

Or maybe you really were just looking for any opportunity to look down your nose at someone - anyone

[boxtops]

What I don't understand, andrea, is how you didn't know your insurance had been cancelled. Any time I've cancelled an insurance policy, the company writes to you to confirm that the policy is cancelled. [ Also, If you paid your ex and she took the money but cancelled (and if she paid in one lump then cancelled, they would surely have refunded part of the money) so not only has she left you uninsured but also owes you money. Nice person.] Anyway as others have said, take legal advice, but ignorance is no excuse in the eyes of the law. Don't let the others correcting your grammar and spelling wind you up - we get your drift, you need to seek legal advice now.

[piggynose]

why again the nasty replies from other aber´s?
it seemed to me to be an innocent plea for help, so english isn´t her first langauge, what happened to understanding aber´s?
thank god for boxtops. civility costs nothing!!
good luck andrea85

[Hopkirk]

Don't worry everyone, it has all the classic signs of a wind up.

[andrea85]

Thanks to the people who have actually helped me, rather than just insult me, and just to let everybody know English IS my first language i am British, but so what if daddy didn't pay for me to have a brilliant education and i wasn't born with a silver spoon in my mouth!! I came on here for help not to be made to feel like Sugar, and Lucy your a bitch!!

[andrea85]

And hopkirk this isnt a wind up, i face losing my license and all you lot can do is take the Fosters!

[carlton23]

This question would have been better posted in `Law` where `The Judge` resides.

[A.Guest]

Well!

[jno]

yes, do what Johnny and boxtops and others say: you've got a half-decent chance of persuading the court to be lenient. But you'd be better off hiring someone who WAS born with a silver spoon in their mouth to do the persuading.

(Oh, and you might like to find out the answer to boxy's query: why weren't you told payments weren't being made? I'm guessing she couldn't cancel the actual policy, since it was in your name, but just some sort of direct debit. Anyway, the court might wonder about this.)

[andrea85]

I'd given her the full amount what i owed on the insurance to cover the payments coming from her account, but for the last 2 month there was no money in the account for payments, so they sent letters explaining they were going to cancel and she ignored them and didnt tell me, i no longer live at the address where my post goes she was forwarding it to me but not regarding this issue with my insurance

[jno]

yes, but I'd have thought they'd have notified you as the policyholder too - you're the one whose rights are going to be affected (and so they were). Again, the court may want to know, so have all the documentary evidence you can muster - any written proof of the original deal with your ex and so on.

[boxtops]

Ah I understand, the letters from the insurance company were addressed to you, but at her address, and she chose not to send them on to you - otherwise you would know she'd kept your money. Do use all this as evidence, make a list of things you need to say, but do seek legal advice, do it Monday. You can always give your local Citizens Advice Bureau a ring first thing, they should be able to point you in the right direction. You appear to have done all the right things in setting up the insurance and paying monthly, but your ex broke the system and you didn't know. That's not an excuse but it could be that there are mitigating circumstances - but we are not legal people, you need formal advice, quickly.

[NoMercy]

Lucy can't be that literate herself. It's licence, not license.

[jno]

oh yes, that'd be it, boxtops. So basically she stole your mail and your money. Well, paying is still your responsibility, so you're unlikely to get off, but if I was your silver-tongued lawyer I'd be putting the case for you receiving a greatly reduced penalty.

[boxtops]

Common mistake tho NoM, be fair, same as practice and practise.

[jno]

indeed, but one Lucy would be only too eager to point out if someone else made it.

[NoMercy]

Boxy, it is indeed a common mistake and most people wouldn't point it out. LucyThomas, however, takes great pleasure in being pedantic, little realising that her written word isn't exactly flawless.

[sara3]

andrea, can you provide any evidence that you gave the money to your ex?

I wonder if she could be called as a witness.

[NoMercy]

If your ex took money under false pretences, she's looking at a criminal record herself.

[boxtops]

Yes you are right about LT guys, I was irked myself that she jumped in so negatively (sorry andrea)