Invalidating a police caution average legnth of dating before engagement
It’s the date at which your photo expires or, as the reverse of the licence puts it, ‘licence valid to’.
However, this is where the confusion starts as it suggests the licence itself expires on that date, which it doesn’t.
It forms part of our information section on housing.
Under the Rehabilitation of Offenders Act 1974, ‘spent’ convictions do not have to be disclosed to banks, building societies or mortgage brokers, irrespective of what questions they ask.
As stated above, under the ROA, ‘spent’ convictions do not have to be disclosed to insurers.
However, the ROA is very complex, making it difficult for consumers (and insurers) to know what is protected by the Act.
However, there are a number of ways to establish whether a conviction is spent.
Conditional cautions are spent after three months from the date of issue, or once the conditions cease to have effect.
Many mortgage experts say that it’s impossible to get a mortgage if you have a criminal record.
However, in our experience, if you shop around you may be able to find one.
To find the actual expiry date, look at column 11 on the back of your licence where the date printed commonly coincides with your 70th birthday.
Worryingly, the ‘confusion’ has led to some police forces threatening to impound vehicles for not having valid driving licences, and to driving instructors turning away motorists from driver improvement courses because insurance companies claimed they were not covered without ‘valid’ licences.