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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Single justice procedure notice


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Hello CAG

Can you help.

You have been very helpful to me in the past so i am wandering if you can help me with this situation.

I have received a SINGLE JUSTICE NOTICE PROCEDURE i has given me 21 day to fill out and return the forms that was 25 day ago.

yes i know i should have returned them but honestly i dont even open my post any more because it seem like there is somebody always chasing me for money..... to say the least i am feeling more and more stressed as time goes on and i have a "i dont care attitude" which i know is not healthy.

I phoned the relevant speeding department and have asked what can be done....Nothing can be done.

I was traveling at 37 mph and was court by : manned equipment

charge sheet

1: fail to give information relating to the identification of the driver

2: speeding - exceed 30 mph on restricted road - manned equipment

I haven't been working since Christmas as i closed my business down and i am living on a limited income....

Can you help...

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How come you are being persued both for speeding and failing to identify?

Usually it is one or the other. (If you don't identify the driver who was speeding, they can't prosecute the driver, but then go after the keeper for failing to identify).

You are going to be summonsed to court.

Attend. Plead guilty (unless you have a defence).

Ask if they will withdraw the failure to identify if you identify the driver and, (if it was you!) plead guilty to the speeding,

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What date was the speeding offence?

Dual charging may help you if you approach the CPS before Hearing and offer to plead Guilty (if true). to speeding if they drop the FTF charge.

I don't know how they can charge you with speeding if you did not name the driver, unless pulled over.

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“Dual charging” (with speeding and FtF) is perfectly normal in your circumstances and in fact, provided you were driving, is to your advantage.

The process is that the police

(or safety camera partnership)

cannot take action for speeding unless you nominate yourself (or somebody else) as the driver at the relevant time.

You failed to do so when asked and so you have committed the offence of “Failing to Provide Driver’s details. This known as a S172 offence (because it is covered by Section 172 of the Road Traffic Act).

From your description (that you simply ignored the request) you have no defence against that charge.

It carries a hefty fine (one and a half week’s net income), six points and insurance grief for probably five years.

(It is an endorsement that insurers really do not like and they load premiums considerably for those with it).

However,

you have been thrown a lifeline having been dual charged.

What you must do,

when you are summonsed,

is to attend court on the day required

and ask to see the prosecutor in your case.

You must then tell him/her that your personal circumstances were such that you could not deal with the S172 request (don’t elaborate unless asked) but that you will plead guilty to speeding provided the S172 charge is dropped.

There is no obligation for the prosecution to agree to this but they almost always do.

Things to remember:

- Do not under any circumstances plead guilty to either offence in advance of your hearing;

- Do not demand the deal – you have no right to it;

- Plead guilty to speeding only when you are sure the deal has been agreed.

(If you cannot see the prosecutor beforehand you can suggest the deal when you are called into court).

The situation you are in puts you on the back foot.

There is no evidence to convict you of speeding as they do not know who was driving.

But there is ample evidence (to which you have no defence) to convict you of the more serious S172 offence.

The “plea bargain” is your best option to minimise the damage

(which would have been the offer of a speed awareness course - if you had not done one in the past three years – if you had only dealt with the matter as soon as it arose).

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