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    • 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.
    • Looks similar to you original email to their Complaints team. I dont rate copypasta for a CEO complaint. Rewrite it with emotion involved as to how badly this is affecting you and make them feel embarrassed for their actions... 
    • Well, not quite the trouncing they deserve, and Andy Street suffering - despite distancing himself from the poops and being a good mayor (and despite the rather ridiculous muslim voter labour boycott across regions - did they really want the tories to stay in power?) - But not bad at all The Reformatory goons managed two council seats didn't it - out of over 300 they tried for ..     
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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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Kensington want to evict us again !!!


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I have the oputinity to go to the FSO over my treatment but as yet I have foound no one who has won anything so im going to try something else will keep you posted

 

Some time the time comes to make a stratigic withdrawel (get you r two hundred) and try a new tack

Good Luck

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First time I have read your thread - you have really been through the mill with KMC. I feel a little less guilty for warning Hippogrif why they act as they do.

 

This is no way to treat families.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi Jansus, Sorry didnt realise you had posted on this.

 

Yes I we have been through the mill with KMC and I would recomend that everybody steer well clear of them. At least it seems judges are wise to them as Hippogrif I noticed had a victory which pleases me emensley as I think I can safely say I dispise this company, I want to see them shut down so that they can no longer spread misery to innocent people who got lumped with them for no fault of there own.

 

Olives xx

 

P.S this are just my thoughts and not anybody elses

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I agree and I think the more people complain to FSA or FOS about the way they act the better. They may try and Fob off responsibilty initially but if enough people complain surely they will have to do something.

 

I still am of the opinion that the majority of people who find themselves in arrears with the mortgage need help and support.

 

That support may even be to make them realise that maybe house ownership is not for them long term - and therefore they need to know the best way financially to get out of the situation they are in.

 

Or if it is a temporary situation they need assistance to get themselves back on their feet.

 

Why make a difficult time even worse when there is no need?

 

These particular companies also seemto be racking up un-necessary costs and also do not seem to be following guidelines after the re-possession.

 

 

Lets hope hippogrifs case is a turning point.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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I agree completly. If i they tried to help me properly two years ago instead of the constant bullying then I wouldnt be in arrears today, but hey in total they will be making £12000 in charges altogether if i carry on paying them like I am now. So I am turning out to be a nice little earner for them

 

olives xxx

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Just picked up on the conclusion of this, it is very unfair indeed. The FSa are toothless wonders, along with most of the other regulatory bodies, they don't look after the punters, only the companies who fleece the punters (IMHO and personal experience).

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olives did u ever reply to the fso regarding the complian and them saying money had been offered?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hiya Bona

 

I am very concerned that KMC have caved in like that. As you know I have been up against them 3 times this year ay=t not once would they give in. Before my last hearing in September I asked if I could capitilise and they said no. The way they usually play that is that if you have paid in full and on time for 6 months then THEY will consider it. It has to be offered by them though. I am actually writing to them at the mo to see if they can capitlise my arrears, just to see I f i can work out what sort of game thay are playing.

 

As I said before this very out of character for KMC to accept payment proposals outside of court.

 

olivesxx

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I think also one of the problems is that the Kensington and other SPL posts are scattered all over the forum.

 

Therefore it is hard to get the true picture of what is going on.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Well I missed this one. I have just spoken to KMC to advise them that I have paid. When they went through what I owe he said that there was £50 a month being ADDED to my arrears. I obviously pulled him up on this and said that do you not mean that this is being added to the loan. He said no according to a new consumer credit act ruling these are now actually being added to arrears as some bright spark said that adding to the mortgage is unfair.

 

I am NEVER going to clear the arrears as i am paying £100 amonth towards them and they are charging me £50 a month. I am sooooooo P****D OFF

 

olives

 

ps this is for a secured loan so I am going to deal with the mortage tommorow

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This is the problem I am having with London Mortgage Company,adding late payment fees onto arrears & monthly installments to arrears instead of paying off mortgage loan.

They are real a**holes arn't they?

 

I have been told by solicitor & financial advisor it is a breach of contract to add interest or any other payments to arrears.

 

Go & get them!!!

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Well the thing is they are saying that they have to do this now as it is all to do with the new consumer credit act. Apparently it is now deemed unfair to us by adding to the mortgage and more fairer if it is added to the arrerars. So apparently this isnt even KMCs fault.

 

olives xx

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:eek: I'll check that out - will read the CCA and see what it says!

 

Of course, just because he said it, doesn't mean he's right......

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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To true Ell. He was very undersatnding (yes I said it about KMC) and said I agree with all that you are thinking right now before I even said. KMC have turned into mind readers now. God help me. Also to clarify Hippogrifs post as well, it is a case of pay on time for three months then they will consider capitlising. So that will be the only way around these charges I suppose

 

olives xx

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Hi Olives, thanks for your support, I am with you too! Once they grind you down its hard to get back up again, but I can see you're fighting!!

I'll let you know what FSA does for me, if anything.

I guess the other way is to take them to court??

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Taking them too court is something I would like to do, Boot on the other foot and all that, the only question is affordability. What will I win and will it be worth i too cover their costs. I dont mind if I am not profiting as if I win then that would be more than enough but obviously I cant afford to pay any shortafll in legal bills. It will be something to look at in the new year.

 

Good luck

 

olives xx

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  • 3 weeks later...

Kensington repossessed my house in September 2008 and I have nothing. As I hold a big grudge with KMC as at the time i was going through a divorce as well, this was the reason for the late payments. Anyway is there anything i can claim even though they repossessed my house. KMC are on my **** list, i have lost my wife, kids, home. I have no money. At this moment I really have nothing to live for!!

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