Hi everyone I am presently in correspondence with my bank about the 12.9%APR they quoted (and I agreed, at the time, without checking its correctness) for a Personal Loan. I've been repaying on that basis for a couple of years. Now, looking back at old leaflets they issued, I've seen that for a loan of that amount at that time, the rate quoted was 8.9%APR. The leaflet is clear: 'these are the...

Is there anywhere online I can get hold of a copy of this? Thanks. joanne.

how on earth do they qualify for charitable status?

Is it legal to deny adultery in writing to a court even if the adlutery has actually taken place but it is difficult, if not impossible, to prove? I can't remember the form the denial was written on but it was essentially a proposal to dismiss a claim of adultery. Is this perjury? Or is this tactic perfectly proper? Cheers The Grim Reaper

Short article in today's Daily Mail. (page 17 column 3) Doctors in the US have declared war on lawyers who sue them for medical malpractice. Hundreds say they will refuse to treat lawyers and their families. They claim this will not break their Hippocratic oath because their obligation to treat patients applies only to emergency care. The doctors say they have been pushed to the limit by...

Out of interest, if you have your car driving licence suspended because of too many points, are you allowed to apply for a motorbike/moped licence?

rewboss | alt.usage.english,alt.english.usage,uk.culture.language.english in snip There have been campaigns to abolish the Scottish "not proven" verdict precisely because it seems to run counter to the whole principle of "innocent until proven guilty". Although "not proven" is, legally, an acquittal and should be treated no differently to a "not...

As you should all be aware, if you visit http://www.moderation.org.uk/ you can see whether any posts are waiting for the moderators to deal with them and you can also examine the rejected posts. If you go to "Posting History - Any Group" you will see a detailed list of the recent articles that have been accepted or rejected or are still waiting in the queue. At the time of writing I see there...

Apologies if this is a duplicate - original posting has not shown up.... Here's one for an insolvency guru ... Just had a meeting with a "potential client" {not sure if we want to take him on} Long story - but he was made bankrupt 3 years ago - ignored the whole thing - did not acknowledge the papers or contact/attend the OR for

Francisco Arce Montes has been found guilty of murdering Caroline Dickinson and sentenced to what will probably be the rest of his life in prison. I think most British people would find it strange that the jury got to hear about previous convictions before delivering their verdict, but the investigation of the case was also noteworthy for being so badly bungled at critical stages. I am not...

Final Hearing in family law case (Children Act) If someone doesn't want to appear in Court as a witness or write a statement, would it be worth phoning them, seeking permission to record, then asking a set of questions? Is there a chance the use of the recording/transcript would be allowed?

btw, guys! Just wanted to say CONGRATULATIONS on the new ng (ulm) - its a pleasure to lurk and not have to wade through the swamp of "troll" stuff (mention no names!). I wasnt an angel in the uklaw but I do find the groups interesting, informative and of help on many occasions - its just nice to have a place where you can get what you want without getting incensed by the...

There is a type of body modification called "Scarification". This involves making cuts into skin, and then aggravating the healing process so that a scar forms. Would it be illegal to perform this on another person (obviously with their consent)? Would it be assault? I'm asking because it was mentioned in another uk newsgroup, talking about bodyart and I'd be interested in an accurate legal...

I just voted in the European elections this evening and i was very suprised to see that when i was given my serial numbered voting paper the clerk wrote on the counterfoil (also serial numbered with the same number) my electoral roll number. It seems to me that this serial number provides a direct link from my voting paper to my electoral roll number and hence my name and address to any person...

Could anyone tell me were would be the best place on the internet to get information on Asylum and Immigration Law. I have a job interview coming up, and one of the things they are looking for is knowledge of both these area's of law. I did touch on it in University, but would like to brush up some more on it. TIA FM

I'm in the process of remorgaging a letting house that I own. My solicitor has quoted me £295 plus VAT, plus searches (plus anything else he can dream up in the meantime no doubt) for doing the legal work. (The lender is insisting I use a solicitor otherwise I'd do these relatively simple tasks myself) Since the house is presently unencumbered and thus the only real "work" will be registering...

I want to try and correct a bad position that I have been put into in a case. I asked my solicitors, who were defending a case, to let me have a copy of the defence BEFORE they served it. They did not do that but served it and when I saw it I was dissappointed but was too late. I expressed this to the solicitors who said "wait until you see the skeleton argument" . Effectively the defence only...

Suppose premises are entered, with a search warrant, and a number of items removed on suspicion of containing illegal material (or because the pig in charge happens to want one). No arrests are made and no questions asked. Is there a time limit on how long items siezed may be retained without charges being brought? If so, would they be returned automatically, or must they be claimed?

A question on behalf of a colleague who doesn't have net access... A garage does £2,200 of approved work on a car and returns it to the client, who subsequently puts a stop on the initial cheque for £1,500 and refuses to stump up the £700 balance. Client appears to be mentally unstable and unreceptive to reason, making outlandish and unproven accusations against the garage about swapping parts....

Hi I was almost barged of the road the other day in the middle of an overtake. I noted the offending drivers registration as well as a witnesses. I thought that I would have a case worth investigation as I had a independent witness. I wrote to the police and they phoned me and explained that they could not even initiate an investigation as the offending driver could say that it was a momentary...