Tag: UK
Owning a 50cc moped gives you the freedom to travel to your friend’s house or into town when you want to and they are a great way to prepare for a real motorbike as they only reach 30mph which is the perfect way to gain road confidence. You can then upgrade to a 125cc or above when you want and go much faster.
The low insurance costs on these mopeds are also a good factor and they don’t require much petrol. They also have the bonus of being able to get into many places that cars can’t because of their size and easy manoeuvrability. However, the drawback to this is the safety issue as you don’t have much protection on a scooter and some road users will give you less than enough consideration. Overall, however, this is the only set back and the benefits of a moped are numerous in comparison.
Once you turn 16 in the UK you can legally get a permit for a 50cc scooter. The same with driving a car there are lots of responsibilities when riding a moped and you’ll need to use your common sense. Experience on the roads will come with times and treating your moped as a proper vehicle rather than a toy to show off on is the first step. Mopeds can leave you very vulnerable on the road as you have no protection, so until you’ve passed all your tests and are fully confident keep L plates on your moped to alert other drivers.
Traffic is daunting when you first encounter it in any kind of vehicle and mopeds are no different. You need to be able to adapt quickly to changing conditions on the road even more in a moped and this in turn will keep your reactions highly tuned. 50cc mopeds can only reach 30mph and this speed allows you to be able to pay more attention to your surroundings and become more self aware. Every road bump will jolt you more than in a car, so balance is a key factor in good moped control!
Your body is much more responsible for controlling a moped than you would need to in a car and all of your body has a part to play. Your left hand controls the clutch to change gears and your right hand is responsible for the brake. In addition to this your left foot then changes the gear and controls the signals, reversing, lights and moving to the reserve fuel tank whilst your right foot is mainly for balance.
50cc scooters and 125cc motorbikes are the best kinds of vehicles to use in order to gain road sense in preparation for a proper bike or even a car. However, think about what you as a person would be the most comfortable with. You will need to be mature and responsible to ride a moped and be able to pay your way much better than a tank of petrol in a car will.
Motor Legal Protection also known as legal expenses/ uninsured loss recovery insurance is designed to help you if a motor accident was not your fault and you have suffered an injury, need a replacement hire vehicle, or incurred other losses which are not covered under your motor insurance policy.
Motor legal protection will help pay for the legal costs to pursue your claim for you to recover costs including (but not exclusively):
-Vehicle repair -Personal injury -Hire vehicle -Loss of earnings -Policy excess -Medical bills -Legal expenses
Everybody is entitled to claim back uninsured losses, however this tends to require a lot of effort. You would personally have to negotiate figures, policy details, keep track of everything and generally spend a large amount of time on the phone. With motor legal protection, you can rely on someone else to do all of that for you. Claims are pursued by legal professionals which makes the process of getting back to the position you were prior to the accident relatively hassle-free. Essentially motor legal protection makes life easier for you as a driver, providing important peace of mind in knowing that your uninsured losses will be recovered.
A word of caution:
Worryingly, many companies offering free motor legal protection show a preference for personal injury claims and dismiss other claims. Prospective buyers should be aware of these shortfalls prior to purchasing a product and are urged to shop around for more comprehensive, better value for money packages. When shopping around for insurance policies it is all too easy to be lured into -No Win No Fee’ type companies which advertise free services, which superficially offer a great, low-cost alternative to what is normally quite an expensive product. However in reality, these clever companies tend to take a percentage of your compensation before the seemingly -full’ sum is deposited into your bank account. The benefit of purchasing motor legal protection insurance means that you do not fall victim to these companies, therefore ensuring that the pay-out you receive is not compromised in any way. The same caution should be applied to more established insurance companies. All too often high commission rates are added on to motor legal protection packages which boosts up the price. The good news is that if people are prepared to shop around and compare, there are some extremely affordable, good-quality policies available on the market which can help give peace of mind in the event of an accident that was not your fault.
Best Price FS is one of the cheapest providers of motor legal protection cover, delivering the most comprehensive uninsured loss recovery in the UK.
Credit card debt loopholes, do they really exist?
This article is based on my experience of the credit industry in the UK. It may or may not be relevant to those living outside the UK that should make entertaining reading all the same.
There is much talk of loopholes in the Consumer Credit Act which allegedly allows a person to get out of paying their credit card debt without paying. Many companies have sprung up offering, for a fee, to analyse your credit card agreements and where appropriate applied to have your debt quashed.
Since many of these companies charge upfront fee it makes no difference to them whether or not they are successful. The question is, is it true that a person can get out of debt without paying?
The answer is yes.
I write from personal experience, a long time ago prior to the Internet revolution huge, well-known finance companies, made a very risky decision in that they chose not to comply with the specific terms of the consumer credit act. They did this because they thought the legal jargon that was required to be added to for example, a credit card application form, would scare people off.
What they didn’t realise was, with the advent of the Internet, the sharing of knowledge, would bring about a revolution. Today thousands of people are successfully challenging the legality of their credit card and other unsecured debt agreements.
This is because many of the agreements and lack essential legal terms and the consumer credit act specifically states that no judge is allowed to find in favour of the creditor should the case come to court.
If you have ever received a small slip of paper tucked into your newspaper telling you to sign here for a credit card or loan, you will know the type of inadmissible consumer credit agreement I am talking about.
The reason consumer credit agreements need to contain specific information is because they are an important legally binding document and the person signing it needs to be made aware of their contractual obligations.
I personally was in debt by more than 50,000 and by sending a series of letters and challenging debt collectors, solicitors, finance and credit card companies I was able to bring about a situation whereby for almost 2 years now I’ve not made a single payment not received a single letter, no court summons, no solicitors letters, no contact from debt collectors and no phone calls. The method used is completely legal and it is also possible to maintain a clean credit record in many cases.
The laws I called upon included the Consumer Credit Act the Protection from Harassment Act, the Fraud Act and the Limitations Act amongst others.
I can assure you that it is entirely possible to get out of debt without paying in a huge number of cases, especially if you’re agreements dated prior to 2007.
For more information on this subject search any major search engine for the term credit card debt loopholes
Legal costs consultants can help individuals caught up in legal proceedings deal effectively settle the financial implications of their proceedings. Contracting cost reduction consultants can give you the peace of mind that these experienced professionals will deal with your case and guide you towards reaching appropriate agreements.
Ideally, a legal costs draftsman, according to UK law, deals with everything revolving around the cost aspect of any Lawsuit. Usually, they deal with detailed assessment of costs that touches on three main areas: cost payable to the solicitor by the client, cost payable between parties involved in the case and publicly funded costs or legal aid.
Where litigation is involved, there is always the winning party and the losing one. The losing party is usually required to pay the inter parties or the winning party’s cost. In an event that the parties fail to agree on these costs, then the legal cost negotiators usually come in to facilitate the assessment of these costs until the court can determine the appropriate sum to be paid. This is often common when insurance claims are involved hence the need for legal insurance cost negotiators.
Lawyers who represent clients expect compensation for their services. These lawyers are usually expected to provide their clients with written information about the cost of their services so the clients can be aware of everything before signing any contracts. Again, a law costs draftsman can draw up the lawyer’s bill of costs, indicating the service charges along with any disbursements paid to third parties that are working alongside the lawyer on the case.
Sometimes, a lawyer may represent a publicly funded client. In such situations, costs consultants are tasked to prepare a detailed bill for the services provided by the lawyer for the court’s assessment. Once the bill is approved, the lawyer can then be paid from public funds.
Legal costs negotiators can make the process of assessing and computing accurate costs for group, family or civil action litigation quite easy and more convenient for clients who are often preoccupied with the events surrounding their legal proceedings. These legal experts provide professional guidance in a wide range of matters from retainers to complex disputes between clients and their solicitors.
Being involved in a legal proceeding can be very stressful. You need to contract the services of skilled costs consultants to help take care of the cost aspect of your case. With the help of a good law costs draftsman, you can expect to receive full support in the process of cost recovery and be charged only the correct considerable fees.
Robins Cost Consultants Ltd is a highly reputed and experienced Law Costs Consultancy based in Grays, Essex. Our legal cost consultants are highly qualified and experienced. We offer an inclusive bill drafting service. We have particular expertise in high value and complex legal costs litigation.
At some point in your life you might wish to buy a house. The thought of buying property is always accompanied with lengthy paper work and government formalities. Especially in the UK, your patience can be tested with the complex and time-consuming legal work involved in buying and selling matters. You will have to go through the UK conveyancing process to get your dream house. There are certain steps involved in the legal conveyancing process as below-
1)Select a house within your budget Depending on your individual financial situation calculate important expenditures in property buying. It is important to evaluate the budget and affordability factor. After taking into account things like mortgage costs, legal fees, registration of deeds and stamp duty finalize the property you are interested in buying.
2)Get a Solicitor One of the most important steps in legal conveyancing is getting a licensed and experienced conveyancer. Conveyancing is the legal work involved in buying or selling property. Conveyancers are qualified to handle legal proceedings and conduct surveys in the particular areas. They are the ones who will negotiate the price for you and help you in the legal process of transferring the ownership titles and complete the deal.
3)Get the paper work done Be prepared to undergo heavy paperwork related to your property transaction. Always check and understand the terms and conditions before signing off any document. Hire a smart and professional solicitor who will keep you updated about any proceedings in the transaction. Get involved and finish the paperwork to pace up the process.
4)Get a property survey It is very important to conduct property surveys. They will tell you about increase rates, other obligations or any defects in the property you are interested in buying. Licensed solicitors can conduct property surveys in many areas and present you with a detailed report about it.
5)Get Mortgage approval – Very people can buy a home without getting a mortgage. A mortgage is a long-term loan secured against the property you buy. It means if you dont repay your mortgage you may lose your home. There are different types of mortgages and different mortgage providers. You should apply and get a formal mortgage approval before signing the final contract for buying your property.
6)Post sale formalities Your solicitor should complete after sale formalities successfully for you. It includes stamp duty, land registry, etc. All these legal formalities should be completed for a proper transfer of property rights from the seller to the buyer.
All the above are the important steps in the legal conveyancing process in the UK. Any new buyer should understand all these steps before starting the buying process to avoid legal hassles and avoid incomplete deal transactions.