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    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
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How many times can a chq be re-presented?


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These days it is usually refer to drawer and you will have to reissue your cheque, It is very unusal for the unpaying bank to mark a cheque for representation, although to be safe you can wait for their standard letter to tell you.

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It just arrived, it is refer to drawer. I rang the bank to ask if it could be re-presented and they didn't know!! Standard note doesn't say if you can or not.

 

In the meantime the customer has been in touch and will sort it out tonight.

 

What really gets my goat though, is that we both bank with the same bank. It's instant clearance for cheques, so why did it take 5 days to notify us of a bounced cheque?! I just can't see the benefit of it.

 

I can see us having to refuse cheques, too many people are bouncing them and we're on the breadline as it is.

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When I have had customers cheques returned 'refer to drawer' the bank has refused to let me represent them. I have had to ask the customer to issue a new one.

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I hope he honours his call and actually does sort it tonight then! If he doesn't I suppose it's an N1 is it?

 

Any other (less nasty) ways to get him to pay? There's no dispute, but having just checked out his own company, I'm not filled with trust that he actually will pay.

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Hi why dont you get a card machine

i had one in my shop

cost about 20 quid a month

but its peace of mind has i had a cheque bounce so i entered the card number on the back and i got my money that way

the people cant complain has its against the LAW to write a chq knowing it will bounce

like i say we paid 20 a month and that was based on about 3000 quid of transactions

Please Tip My Scales if Info was Use full

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if a cheque bounces either they re-present it (without telling you)

send it back to you marked re-present (uncleared funds in that account)

or return marker refer to drawer

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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DCA-King, we couldn't get a machine (I don't think) as my OH goes out to peoples houses to carry out the work. Is there a machine that will work on a mobile basis? If not, then it's a no go :(

 

Mr Marmite, the cheque is just marked refer to drawer, no mention of being able to re-present.

 

It wouldn't be so bad if it was a few quid but it's near on £500 :mad:

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oo nasty, if it says that then you gotta go back to whom ever wrote it and jump on them VERY hard, i.e delivery a letter by hand demanding payment within 7 days or you will take further action against them to recover the losses

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I'd have to send it special delivery, he lives over 100 miles away and we're not booked in that area any time soon.

 

I'll hang fire until tomorrow, check to see if he has paid, if not i'll send him a letter before action giving 7 days to pay.

 

Interesting, he's currently selling the car we fixed. I have a feeling he has to sell it in order to pay for the repair.

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if you not contacted them yet u need to get letter off asap "Requesting" they pay in the next 7 days, if no avail THEN you LBA them giving them another 7 days.

 

this way if it go to court judge cant turn around and say you didnt try peacefull means,

 

lol you could always pass info and get a DCA to act on your behalf :D

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Thanks for that Mr Marmite. We tried to call this morning, got no answer (shock)!

 

He then sent us a text message apologising and saying it would be sorted tonight. Fingers crossed it is, but you know when you have 'one of those feelings'? This is one of those.

 

I'll do the letter requesting payment asap. Judging by his companies activities I don't think a DCA or court action would bother him one bit *cries*

 

Arrrggghhhh the perils of being self employed. You either eat like a king or not at all. Looks like we'll be eating DCA letters ourselves until this is paid :o

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Hi with regards to a card machine are you at home while hes out if so he only got call you with there card details and you can do it from home contact the bank tell them that he works from home they may have a machine that can connect to his mobile or just call you you enter details

with me if i card was rejected they pay cash or use another card

NO PAYMENT NO WORK

what does he do may i ask

Please Tip My Scales if Info was Use full

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I'm at home a lot of the DCA-King, but not always. It's an interesting idea about a mobile one, but at the moment 95% of our customers pay by cash and we're happy with that.

 

He is a mobile mechanic, so he can't really ask for payment before work is complete anyway. I suppose if a card was rejected he could always take the wheels off :D

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oooo what area do you live in and how much to do cambelt on A6 V6 i got the parts just not had time to do it

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Miles away from you Mr Marmite, although he has been down there a few times. Hell, he's been to Norway! We're near Birmingham.

 

I've no idea about Audi's, he's a Land Rover and Rover specialist. I know he does other makes and models, but no idea about Audi's. I can always ask him. Just pure nosiness, how much does a normal garage charge for one of those?

 

I know the charges for a V6 Rover or Freelander are massive so we quite a few of those as he's about half price.

 

Suppose if he did it, it could be on a Saturday and we could have a weekend away out of it...........

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well if he fits parts and he dont get paid he has the right to remove them has the law states that they belong to the person

Eg you go to tescos buy loads of shopping untill you pay for them who owns them ??? TESCOS

so he can just say thank you im off call me when you have the cash and i will put it back on for a fee

Please Tip My Scales if Info was Use full

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That would be amusing if he wasn't knee high to a grasshopper! He couldn't fight his way out of a wet paper bag. He'd end up 6 feet under if he attempted something like that!

 

I better check his life insurance :D

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DCA-King, we couldn't get a machine (I don't think) as my OH goes out to peoples houses to carry out the work. Is there a machine that will work on a mobile basis? If not, then it's a no go :(

 

National Market Traders Federation

 

is an advert for a company who supplies to market traders -

affiliated to the NMTF (market traders' union), so should be Kosher.

 

I'm not a customer or otherwise related to the company - I do not endorse them, just FYI

Carpe Jugulum

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Thanks for that bigegg, it's much appreciated. I'm a google numpty, never manage to find what I'm looking for.

 

I suppose the fact that I didn't know it existed doesn't help LOL!

 

you're welcome.

I didn't find it by googling BTW - I'm a market trader, and they were pushing

them last year

Carpe Jugulum

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That's great though bigegg, it's certainly something for us to consider even if it's just to knock out the odd few who want to pay by cheque. We've been doing this for 2 years now and whenever someone mentions a cheque I get alarm bells. (Can you tell this has happened before?)

 

Surprise, the transfer the customer promised has not materialised. :mad:

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