Have you been charged with a speeding offence that you wish to contest? If so, you’re probably worried about the legal fees involved, which can be especially challenging if you don’t have the financial assets to afford them. At Legal Cost Finance, we don’t believe anyone should be denied the chance for justice. This is why we offer a range of comprehensive payment plans designed to ease your cost burden.

These payment plans give you access to a quality legal loans that allows you to get the legal representation you require, so you can effectively challenge your speeding charge. Depending on the seriousness of your speeding offence, you could be looking at a lengthy court case involving substantial legal fees, which is another thing to add to what is already a stressful time. Start a payment plan with Legal Cost Finance today, or contact our experts for more information on 020 3376 1888.

Which payment plan is right for me?

You might be about to tackle your speeding offence without the assets to pay your solicitor’s legal fees. This means you could enter a court case without the proper legal representation, leaving you twisting and turning in the wind. If this sounds like you, then perhaps you should consider opting for one of our convenient payment plans. Take our LawPlan Classic payment solution for example; it comes with a cost-neutral repayment option that means you could avoid paying interest on the loan for the first 12 months.

If you’re wondering how we can offer a cost-neutral repayment option, it is because we know that most lawyers will often discount their fees to offset your interest rate. LawPlan Classic represents a highly flexible legal loan designed for individuals who might otherwise be unable to afford their legal fees. It is part of our overall commitment to getting quality legal representation for individuals (potentially such as yourself) who would otherwise be forced to face a legal case without proper representation.

What happens if I’m caught speeding?

Picture the scene; you’re driving through an unfamiliar area, maybe a little too aware of squabbling kids in the back seat, when you see a flash in your rear view mirror. You realise you’ve just been caught by a vigilant speed camera, a pain for sure but one many in the UK are all too familiar with. In fact in 2016 alone, four drivers were being caught speeding every minute, according to statistics from the Home Office. Speeding is consistently the most common motoring offence in the UK, and in a world where everyone seems to be in a hurry, this is unlikely to change any time soon.

Even if you consider yourself a careful driver, anyone can lapse long enough to fall into the trap of a speed camera; after all it’s their job to catch us out. It isn’t just speed cameras on the lookout either. You’re just as likely to be caught by vigilant traffic officers monitoring the roads with their speed guns.

Regardless, the outcomes from being caught by either are generally the same and if it’s your first time falling into a speed trap, you’re probably wondering what these are. If a police officer caught you, they might give you a verbal warning, but of course this depends on how far over the speed limit you were going. Otherwise, it’s much more likely you’ll be:

  • Given a chance to go on a speed awareness course, which will need to be paid for by yourself
  • Presented with a Fixed Penalty Notice (speeding ticket), usually of £100 and points on your licence
  • Prosecuted for breaking the speed limit, which will require you attending court. You could also be hit with a fine of up to £1,000, or £2,500 if you were caught speeding on the motorway. Additionally, you can get between three and six penalty points on your licence and a potential ban from driving altogether.

The Association of Chief Police Officers (now the National Police Chief’s Council) suggested the following guidelines for officers to follow when enforcing speed limits:

Speed limit Maximum speed for a ticket Minimum speed for prosecution
20mph 25mph 35mph
30mph 35mph 50mph
40mph 46mph 66mph
50mph 57mph 76mph
60mph 68mph 86mph
70mph 79mph 96mph

Contesting a speeding offence

Although unlikely (due to the accuracy of modern speed detection devices), there are still grounds for defending a speeding charge. You could be able to contest a charge if you or your solicitor can provide evidence that:

  • The speed camera was faulty at the scene and subsequently gave an incorrect reading
  • A human error was made as a result of the device being inaccurately used by the police officer
  • The traffic signage was defective or unclear
  • You were breaking the speed limit due to an emergency (medical or as a result of environmental dangers).

In order for you to contest a speeding conviction, you must ensure that all necessary records are retained by the police officers on the scene. Being aware of this in the immediate aftermath of a speeding offence is important; it might be your best shot at effectively contesting the speeding charge. You should also be aware that taking a speeding offence to court, and then contesting it, carries the risk that the magistrate might impose a larger fine and potentially more points on your licence.

With this in mind, sometimes it is better to just accept the initial fine and points. However, if you are absolutely certain that you’ve been wrongly charged, then you will need an experienced solicitor to stand for you in court. Talented motoring offence solicitors aren’t cheap, but as they represent your best chance at successfully contesting a speeding charge, it is definitely worth it, especially if you believe your case has merit. A payment plan from Legal Cost Finance gives you access to a quality legal loan that will allow you to get the legal representation you require. Contact our experts today on 020 3376 1888 for more information on which payment plan is right for you.

Even though speeding prosecutions are a common occurrence in the UK, they can still have a significant impact on you, your family, and even your current employment. If you’re concerned about the legal fees involved in a speeding offence case, then call our specialists and they’ll help guide you through the process, step by step.

Payment plans help you get through your legal problem, and get on with life.

We provide payment plans to cover your legal costs, so you can get the legal support you require – without the need for large up front payments.

We will connect you with a lawyer who specialises in traffic law and motoring offences and who is right for your individual circumstances.  If you have already appointed a lawyer, we can still offer you a payment plan solution and will make all the necessary arrangements with your lawyer on your behalf.

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Our mission is to make your life easier by servicing your loans for legal fees through convenient and affordable payment plans. Not sure what LawPlan suits you best? We have built a questionnaire for you to find out.

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We have a team of dedicated case managers who will guide you through your legal journey and ensure you’re not wasting money on legal costs and making the right strategic decisions.

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Which plan is for you?

Whether you’re an individual or a business, we have a plan that’s right for your specific requirements and circumstances


  • If you have limited access to funds, this plan may be for you.
  • Unsecured financing, in both contentious and non-contentious cases.
  • Cost-neutral payment plans available with no interest payable for the first 12 months.


  • If you simply prefer to spread your costs by instalments.
  • Secured and unsecured financing options.
  • Available for individuals and businesses with contentious and non-contentious legal matters.


  • If you have assets, but have limited access to funds.
  • Innovative financing alternative enabling you to pay at the end of your legal matter.
  • Proceed confidently and affordably without giving up large portions of your settlement.

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To discuss your legal matter and our ‘payment plans’ for legal costs, please contact us now on 020 3376 1888, or request a time for us to call you back.

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