I understand that but I'm an old fashioned person who still believes in ' innocent until proven guilty'

I've already admitted I was the driver. I think I'll go for the court option, if they do have photographic evidence I'll plead guilty. Thanks for your speedy reply.

Hi I've just been sent a road traffic notice for 'motor vehicle fail to comply with solid white line road markings. I've been given 3 choices £100 fine + points £90 course which would mean a day of work (self employed) Go to court and defend it. Now I'm usually not one for breaking driving laws, I've had a clean license for 30+ years but it could have happened. There was no photographic evidence included in the letter and I'm seriously thinking of going down the court summons route if only to see what evidence they have. My question is, do they have to supply me with the photographic evidence if I request it before deciding which option I will choose?

Hi I could do with some advice. Bought a car on finance in August 2018. The car broke down December 2018. Contacted dealer and he wasn't very interested, told me to get it fixed and he will pay halve. Got in touch with finance company and after 3 months they have decided in my favour to reject the car.1 I paid a deposit. - £100 Part exchanged my old car - £140 Payments made. - £910.36 Road recovery charge. - £340.00 Hire car to get home - £200.00 TOTAL - £1690.00 These figures don't include the insurance and road tax I have paid while it's been sat on my drive for 3months and train journeys to work. The finance company have offered me £610.12 and to take the car away at their cost. I personally don't want to reject the car, I want it fixed or replaced with another car and to carry on paying the finance. If I except their offer I will be down £1000+ and will end up with no car. What do you guys think should be my next step? P.S. Nobody knows what is actually wrong with the car, they sent an independent mechanic who found in my favour that the car probably had the fault when I bought it and he also said the engine would need taking apart to see what the actual problem is. It seems to me that nobody wants to pay for the car to be looked at.

Ok, thank you Andyorch.

Can I safely ignore it, their deadline ends in 40hrs?

I don't even think they will pay their £25 trail let alone turn up for the hearing.

Yes monthly. It sounds like they are trying to bypass the court system.

Good Evening I'll try and keep this short. I have been successfully defending Court claims from Lowell's with the help of this group, they usually give up when it gets to the stage where the judge tells them to supply the court and me with my cpr requests or file a properly completed claim by a certain date or the case will be struck out. Today they have sent me a curve ball for their latest claim against me. They have sent me a Tomlin Order to sign. They have not supplied all of the information they were told to supply. I'm guessing its their last ditch go at trying to scare me, they have 3 days left to supply the court with the information requested. Is it ok for me to ignore this letter? It's states that if I ignore this letter they will produce it at the hearing to prove that attendance costs could have been avoided. Thanks in advance.

Thanks Andy, as I said before I couldn't have done it without you and dx100uk.

Yes I guessed. Letter basically told me to ring Robinson Way to arrange payment. I nearly spat out my coffee.

Sadly the story doesn't end there. I received a letter when I got home. Apparently HOIST PORTFOLIO HOLDING 2 COMPANY have assigned the debt to HOIST FINANCE UK HOLDINGS 2 LIMITED. Not that I'm bothered. Was I lucky with the Judge do you think? Reading some other threads it seems some Judges are not so helpful.

Hi Sidewinder it was a Lloyds O/D. £1800, my o/d was only £1000. They sold it while we were discussing ways of getting rid of the charges and interest so that I could pay it of. I think it was just before the six years was up that I got the summons. I've donated, the link came up on my post.

Lloyds. Was debating going after the costs that the Judge mentioned. Oh and may I thank you dx100uk and Andyorch for your help. There were obviously others but you and Andy were the main two.

Hi, I would like to announce a success for you to mark as won thanks to the help I received here if that's ok. I received a County Court claim and came to this site. I had a look around and saw that it was easy to defend the claim myself so I didn't want to start a thread and increase the already high workload of the good people advising on here. Firstly can I just say to anyone who is reading this that is in the same position, don't despair and as the advisers always say " READ OTHER THREADS " anyways here's my my story: A claim was issued against me on 09/05/2018 I found other threads similar to mine My defence was submitted on 20/05/2018 at 22:26:33 My defence was received on 21/05/2018 at 08:02:28 DQ sent to me on 04/06/2018 DQ filed by claimant on 11/06/2018 Again I came on this site and read other threads. General Directions order was made on 30/06/2018 I filed a DQ on 01/07/2018 My claim was transferred to xxxxxxxxxx on 31/07/2018 Ok now this is where I got a little scared and started thinking that if they are carrying on with the claim they must think they have a good chance of winning. Back to the threads and it seems I'm not the only defendant to think this at this stage, but after reading more advice and doing lots of swatting I got my confidence back. This is the point at which many defendants cave in and the DCAs know that. Ok onwards and upwards. 16th August 2018 I received this letter. District Judge xxxxxxxxxx has considered the statements of case and directions questionnaire filed and allocated the claim to small claims track. Unless the claimant does by 4pm on the sixth of September pay the court the trail Fedor £170.00 or file a properly completed application ( i.e one which provides all required information in the manner requested) for help with fees, then the claim will be struck out with effect from xxth September 2018 without further order and unless the court orders otherwise, you will be liable for the costs the defendant has incurred. 1. Claimant to send Court and defendant all documents it relies upon by xth September 2018 and bring ORIGINALS to hearing. Included in documents shall be: I) Copy of all agreements relied upon Il) Copy of the account and sums claimed including details of all fees/changes claimed or included in the sum claimed. III) Evidence of assignment of debt that claimant relies upon IV) Any written statements of witnesses 2. Defendant to send the claimant and court all documents and statements he relies upon in response to the Claimants evidence by 4pm xxth September 2018 Now as you can probably guess I was quite happy and the claimant was probably quite unhappy. Now the claimant must have thought that: 1. I was really stupid or 2. I hadn't received a copy of the letter. First they sent me a letter offering me 25% discount and they would not proceed, then a letter offering me 50% discount and they would not proceed and then, you guessed it, another letter offering me 75% discount. Obviously I ignored them all, the clock for them was ticking. On this xth September 2018 I received this letter from Howard Cohen & co. Solicitors: We write further to the County Court claim that was issued against you on 9/5/18. Following the issue of the claim against you, our client has instructed us to discontinue the claim with the court. Please therefore find enclosed by way of service upon you a Notice of Discontinuance. We will also be notifying the Court that the claim has been discontinued accordingly. Please be advised that our client has now permanently closed your account and no further action is required on your part. If you wish to discuss any aspect of this matter please contact our clients collection agents, Robinson Way on 0345 266 8876 ( no thanks, I'm fine thank you) Well anyways, thanks to all that helped, I couldn't have done it without you. I'll have to go through my notes and come back to thank you all personally. So again, whoever is reading this, don't be scared, read through other threads and try and help yourself, you won't understand what you're doing or why your doing it if you expect the advisers to hold your hand every step of the journey. The DCAs (Mafia), their solicitors (henchmen) are nothing but bullies who deserve a bloodied nose, get your boxing gloves on and come out fighting. *****WON******* Could someone also send a link so that I can donate.