You've received the letter. It's a refusal.Maybe you applied for a spouse visa, but you were $pounds$1,000 short on the financial requirement. Maybe you applied for an extension, but a technicality you didn't understand led to a rejection. Or maybe you have lived in the UK for 15 years, but you have no "visa," and the Home Office has told you

 You've received the letter. It's a refusal.Maybe you applied for a spouse visa, but you were $pounds$1,000 short on the financial requirement. Maybe you applied for an extension, but a technicality you didn't understand led to a rejection. Or maybe you have lived in the UK for 15 years, but you have no "visa," and the Home Office has told you

 Almost no one intentionally sets out to drive without insurance. It is one of the most serious yet commonly committed motoring offences, and in the vast majority of cases, it happens by complete accident. An administrative oversight, a simple misunderstanding of the policy terms, or a missed renewal email can be all it takes for a law-abiding

 You're a professional driver. You get a letter. It's from the local council, and it's not good. They're "reviewing your licence" following a customer complaint. Or maybe you've hit 6 points on your DVLA licence, and they're calling you in.Your first instinct is to panic. Your second is to think, "I need a lawyer."So you call the solicitor who

 It is a scenario that can happen to even the most careful of drivers. You are pulled over for a routine check, and to your genuine horror, the police officer informs you that your insurance policy has lapsed or been cancelled. Your immediate, honest reaction is, "But I had no idea! I thought I was insured." In the eyes of the law, however, th