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Caponedebt

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  1. I would imagine that the DVLA will now quote this case when prosecuting. I was in a great mood after my day in court today, this has soured things a little. Gutted for you Number 6
  2. Massive thank you to Paul for his assistance, the prosecutor met with me prior to the hearing and instantly caved in when he realised I knew what I was talking about and would probably make a good witness. Will post more detail later. Once again many thanks to paul for his assistance on the phone and to everyone else who contributed.
  3. @PAUL, can't PM you I'm afraid, insufficient posts
  4. The letter I have recieved is headed '' Notice of new date of hearing'' . It then goes on to say.... The court has adjorned the case below because: 1. For the trial to take place . If you do not attend the trial may proceed in your absense. The above apparently happened on the 27th of July. Was that just the Maj deciding when to hear the case ? The letter did arrive from the majistrates court , not the DVLA
  5. the address at the top of the letter is Bangor (North Wales) . Does that make a difference ?
  6. They know I am contesting by virtue of the fact I pleaded not guilty. Or is that over simplyfying things ? Confuzzled !!
  7. Thanks Paul and everyone else , the support is much appreciated. What doesn't help is that I didnt keep records of the exact date of disposal or when I replied to the questionaire etc etc and I am worried that will make me look like a poor witness /defendant to the magistrate. I have had my court date through the post today, it's 50 miles away which is a bit of a pain, but more importantly I am away on holiday at my brothers house at the time. Is there any way to postpone it or am I stuck with that date and they will just hold the hearing in my absense ? Thanks everyone (An increasingly nervous )Simon P.S. Thanks of the offer to chat Paul, I may well take you on that
  8. Hi folks, I have read with great interest all the other DVLA related threads on the forum. I think it's outrageous what the DVLA are doing, anyway, on to my predicament. Salient points are as follows Sell vehicle in September 2011 Post V5c to the DVLA the same day. The postbox is directly opposite my house! Receive a letter earlier in the year with a fine for failure to notify Then recieve a questionaire to return, which i did they now say they haven't recieved this either! Then post a letter explaining that I sent the V5c and it isn't my fault if they or Royal mail have lost it. They reply stating that this isn't a defence and are demanding payment. I do not respond to this letter (What the hell is the point?) Letter recieved today with court date set. Attached to letter is a Guilty/Not guilty form. So , my problem is this. 1. I don't have a copy of any of the paperwork I sent to them, even the one letter they do admit to recieving 2. I am unemployed and without funds for legal representation So I am left with two options as I see it. 1. Plead guilty and ask whether I could pay the fine in installments (The thought of this makes my blood boil) 2. Attach a covering letter to the 'not guilty' form outlining the fact that waiting for a letter from them to confirm the vehicles disposal and therefore them recieving the v5c is not a legal requirement and that sending the V5c to the DVLA constitutes informing the Secretary of State. And that this would be my defence when attending court. If I go with option 2 I would need some assistance with the wording or I'll end up making a real hash out of it! Any and all suggestions are welcome Many thanks Simon
  9. Thanks Brigadier. When you say send 'it' to Freds, do you mean the CCA or the Sar or both ? Thanks
  10. Thanks folks. Does the CCA request go to BC or Freds ? Seems a bit silly to send £1 to both . Do I also send a SAR as well as the CCA ? Does one supersede the other ? And who should that be sent to, BC or Freds. Sorry for all the Q's
  11. Thanks for the info. I wasn't sold PPI I'm afraid. Can I send a CCA even though I have sent a letter telling Fred that I sent a payment to Cougar and that I have offered to send them a payment ? I will have lots of penalty charges on that account I would imagine, but I don't have the info as to when and how much for I'm afraid. Thanks for your help , I'm just getting a bit jittery now
  12. Hi Folks, I have a debt of £2500 with Cap One which was passed to Cougar. After some horrendous lies/twisting of stories with Cougar on the phone I decided to restrict all communication with them to sending letters. In an odd twist (or at least that how it seemed to me) I agreed with Cougar to send them £60 PCM - They couldn't agree to this and wanted £133 PCM , but they said I could send it anyway and it would be taken off the amount owing. I made one payment and they then sold the debt to FI . I should also point out that it took them 2 weeks to cash the cheque and I did not receive a receipt or acknowledgement of payment. FI. I recently wrote to FI using a template letter from MSE asking that all correspondence be carried out in writing and that as I am now unemployed I am prepared to offer £40 PCM and asking to whom I should make the cheques payable and where should I send them. Two days later I have now recieved a letter from Bryan Carter (BC) telling me that should court proceedings be issued there will be additional fees levied on the account and pay up in 14 days or else! I would love to pay them the outstanding balance, but I just don't have the money! Should I write again to FI or BC or both with reference to this letter ? Can anyone tell me what my next course of action should be please ? I'm starting to get a bit worried now. Many thanks in advance
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