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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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A fixed penalty with wrong address


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I got a fixed penalty for using a mobile phone just as i was pulling into Sainsburys car park Loanhead Midlothian. The address the officer put on the slip is spelt wrong. Do i still have to pay the fine or is it invalid?

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If you were pulling in, it might be on private land. Is the address a public road? Anyone here think that's a goer?

 

What evidence is there?

 

A minor spelling mistake probably won't be enough, imo.

Why aren't we revolting?

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here is a link to where it happened.

 

Google Maps

 

Take road to store from main r/about (straiton park)

left at first r/about to smaller r/about.

take the right turn to store.

It was between the small roundabout and the entrance to carpark.

 

The Officer has only put location as Loanhead.

I would have thought it would need to be in more detail than that.

 

Hope this helps

cheers

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first the key factor is when he first saw you, where were you when you put phone to ear etc,

 

if you were below the red line in the pic then you could claim it was on private property, but remember that the law states NO HANDHELD PHONE,

 

to be honest you will have a fight, proving you did NOT use it on a public highway

 

car_park.jpg

..

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It was the other small roundabout at the top right corner so its way off the main road ( straiton park ).

 

The only evidence is there were 3 police officers.

me the wife and kids.

Its my first offence i tried to use that as a OOOPPPSSS sorry but to no avail.

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So you admitted it to 3 police officers? Ooops indeed :D.

It would depend where the private land started, at the 1st or 2nd roundabout, if the private land thing was to be a factor at all.

Why aren't we revolting?

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He could have only saw me where i was on the small roundabout and he was coming out of the carpark.As thats where i starteds the call silly me.

I thought i was fine as the place was empty apart from me and the police lol

Not 2 fussy if i have to pay but there are mistakes being made here.

Clerical errors on the paper work.

and i thought private property being a car park...

 

 

 

cheers

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I'm pretty sure an officer can fine you for using a mobile whilst driving even on private land.

 

Nope, the offence only exists on the public highway.

 

In this particular case, whether you were on Sainsbury's private land or not will be irrelevant - as the public has unrestricted access to the car park and its approach roads, it is, within the meaning of the Road Traffic Act, public highway. Ownership of the land/road does not affect this.

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Ok so the private land seems useless so what about the mistake of wrong address or is this just being stupid of me.

Its my first offence anyway in 20yrs so 3 points on a clean license i suppose is not 2 bad.

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Ok so the private land seems useless so what about the mistake of wrong address or is this just being stupid of me.

Its my first offence anyway in 20yrs so 3 points on a clean license i suppose is not 2 bad.

 

AN FPN is nothing more or less than an invitation to admit guilt for the offence and pay a fixed penalty without the need or costs (for both sides) of a Court appearance.

 

If you complain about the incorrect address, all that will happen is that they will issue a new FPN (which they are entitled to do) or they will pass the matter for issue of a summons to Court. Even if the mistake is transferred to the summons, the existence of the 'slip rule' will allow minor corrections on the day.

 

In my view, you were caught acting illegally, and in front of 3 Police Officers - pay it, accept the points and move on (Don't forget to tell your insurers)

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AN FPN is nothing more or less than an invitation to admit guilt for the offence and pay a fixed penalty without the need or costs (for both sides) of a Court appearance.

 

If you complain about the incorrect address, all that will happen is that they will issue a new FPN (which they are entitled to do) or they will pass the matter for issue of a summons to Court. Even if the mistake is transferred to the summons, the existence of the 'slip rule' will allow minor corrections on the day.

 

In my view, you were caught acting illegally, and in front of 3 Police Officers - pay it, accept the points and move on (Don't forget to tell your insurers)

 

 

Fair comment thanks for all the replies.

 

 

Ive got a couple of weeks to pay the £60 fine.

 

 

Again thank you all for looking.

 

 

kenny

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