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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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missal v Barclays


missal
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Hi All,

 

Just wondering if anyone can help me on this one.

 

I have just sent my letter to barclays asking for my money back so we shall see what happens there! Was just wondering if someone could give me advice on the next step as am unsure of what to do.

 

I am reading about 'stays' and i have no idea what this is?

 

I'm not stupid just not up on all of these official terms

 

Help please!

 

Amanda

 

Hi and welcome to barclays forum :)

 

Have a read of the following :)

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

They stay's that your reading about are when the claim has got as far as the court then the claim is put on hold pemding the outcome of the OFT test case ... have a read here

http://www.consumeractiongroup.co.uk/forum/barclays-bank/107576-oft-test-case-what.html

 

If you have any questions just post here someone will be along to answer you :)

 

saint

 

Hi

 

Today i received a response from the financial hardship letter i sent to Barclays last week. The letter says that they will look at my case (their complaints department) and get back to me by 14th december.

 

What do i need to do now?

 

Thanks in advance

 

Amanda

 

Hi Missal,

 

Please stick to one thread using the Reply Button or Quick Reply Box. That way, we can keep track of your claim History and offer best advice. Your old and new threads will be merged for you.

 

When you first wrote to bank, did you use the Prelim Letter enclosing a spreadsheet detailing your charges.

 

If so, you should send your LBA to bank 14 days after first letter.

 

Stick to YOUR timescale and not bank's.

 

Slick

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  • 3 weeks later...

Hi All,

 

I have received a reply from barclays for my letter re financial hardship, basically it says it's going to their complaints department as a separate complaint to my initial letter and they will reply by 14th december.

 

I am not sure whether i should commence court action now - as i get the distinct impression that come 14th december they'll say -SORRY! you're getting nothing!

 

Can any one help me?

 

Amanda

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Hi Missal,

 

Sorry I did reply to you yesterday but it got tagged onto your last thread in error.

 

Please stick to one thread using the Reply Button or Quick Reply Box. That way, we can keep track of your claim History and offer best advice.

 

When you first wrote to bank, did you use the Prelim Letter enclosing a spreadsheet detailing your charges.

 

If so, you should send your LBA to bank 14 days after first letter.

 

Stick to YOUR timescale and not bank's.

 

Slick

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Hi,

I have followed the correct proceedure and sent the letter including spreadsheet of charges to which i received a reply saying that they would not be dealing with my claim at this time.

I replied with the financial hardship letter again enclosing charges and have received reply saying they would contact me by 14th december.

 

I'm sorry am not sure what LBA is??

 

Thanks for the reply

Amanda

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Hi,

 

This link is a basic guide to the reclaim process - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Read it and also read through the threads in the forum to get an idea of what's going on.

 

LBA = Letter before Action. Send it 14 days after the 1st letter.

 

Stick to the one thread from now on so we can keep track of your claim and give best advice if required.

 

Slick

We could do with some help from you

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I have received a letter from barclays this morning saying that they are sorry if i have been milead by the media blah blah blah they're not giving me a refund but if i send them my income and expenditure they will offer me bugeting and financial management - no thanks!

 

I am going to apply to the courts today - I can't really afford the £80 but i suppose it's money well spent if I get it back.

 

Regards

Amanda

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Hi missal

 

Getting your claim logged at the court helps to prevent any charges falling outside the 6 yr remit and gives the banks less to argue in defence of the claim.

 

So nice of the bank to offer you budgeting and financial management help (not) More than likely it wouldnt be needed but for their charges !!

 

 

Saint

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Hi Have merged your Barclays threads so they are together.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks for that, have just had a look on money claim and a defence has been filed, so they are transferring this to court and will let me know where shortly!!

 

What happens now??

 

Amanda

 

PS A slighlty worried as have claimed via mcol what could this mean for me!! The threads i read advising me of what to do were claims from beginning of the year before the stays argghhh! Please help!

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Hi Missal,

 

Your case will now be referred to your Local County Court. Judge will review your case and you may need to submit new POC (the one from the Stickies at top of the Barclays Forum).

 

Please type up what the 1st 3 points of Barclays Defence say.

 

Or the case may simply be Stayed for review after OFT.

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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Hi Missal,

 

If MCOL have applied the Stay, that's it until after the OFT test case - nothing more to do.

 

When you get copy of Bank Defence, put the 1st three points here so we can check it.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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