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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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    • 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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1st Credit! Need advice ASAP


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Hi all,

 

1st Credit are chasing a debt of mine which is for £1,330 on a credit card. I wrote to all my creditors stating I can only afford to pay so much a month and included an in goings and out goings spreadsheet aswell as I cheque to each creditor.

 

1st Credit cashed this cheque but today I get a letter from a solictor saying they are acting on behalf of 1st Credit and I have to make full payment within 14 days or they will issue proceedings against me in the county court.

 

The letter states that they are instructed not to enter into correspondence with me and all communications are to be made to 1st Credit.

 

What should I do?

 

Thanks

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Hi, Shaw26.

 

You need to establish if 1st Credit have any right to collect this alleged debt, send them a CCA request, with a £1.00 Postal Order, don't sign the letter.

 

Letter 'N' in the Templates Library.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send it recorded.

 

Remember, never speak to these people on the phone.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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I already did that, they have tried phoning me so I sent them a letter saying I will only speak to them in writing and then I get the letter from the solictor. Im a little worried!

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Write to tell the solicitors that the alleged debt is in dispute as !st Credit have failed to respond to your CCA request and in pursuing you for the debt whilst the account remains in dispute, 1st Credit are in breach of the CCA 1974, the Administration of Justice Act Section 40 and OFT guidelines.

 

They cannot take any legal action unless they are able to produce the original agreement in court. It's a ploy to put pressure on you and is sometimes indicative of the fact that they cannot find an agreement.

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They did send me a copy of the CCA, but im just confused as they cashed the cheque after I sent them the letter saying I can only pay X amount each month. Shall I keep sending the cheques or contact the OC and arrange a monthly payment with them?

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when you send the letter did you include and income and exp sheet?

 

 

if you did, just keep paying what you proposed and stick to it,

 

if you didn't, send one with another letter inlcuding the payment and stick to it.

 

they would look pretty stupid , if you did this and stuck toit, if they took it any further

 

 

ida x

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can you post the cc they sent?

 

it wasn't just an application form was it?

 

ida x

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Yes I did send an in goings and out goings sheet! I do not have a scanner but the letter said the following on the CCA its a photocopy and on the letter is says:

 

please find enclosed an edited copy of the signed agreement fo the above account and would ask for your comments.

 

a) If you confirm that this si your signiture we will of course send you a complete copy of the relevanc document,We would also invite your porposals for settling this outstanding debt.

 

b)If this is not your signituatre we would ask you to provide our office with a copey of your signiture from an official document,(such as a driving licence/passport),to substantiate your claim,Please be assured that the matter will be incestigated mimmediately.

 

c)Where and address is detailed that you do not reside in we would ask you to cmomment on whether you ever resided at the address and if so the period of your occupation.

 

d)If we beleive that a fraud has taken place against you we will advise you.In these circumstances we would recommend tha tthe matter is reported to the local Police and 1st credit Ltd,will of course co-operate fully to ensure the matter is throoughly investigate.

 

Thank you for you assistance in this matter.

 

Yours sincerely

 

***

 

1st credit Ltd.

 

Then there are two pages which are photocopied from Aqua stating my personal details, pages 3 and 4 of 8.

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On the agreement does it have the prescribed terms. etc APr amount of credit , cancellation details etc?

 

If it has them just keep paying your proposed amount.

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On the one page is has my address details ,phone number etc on the second page at the top is says CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974.

 

then just small print with the following headings:

 

Parties

Key Information

Missing Payments

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i take there are details under key info etc about apr etc

 

 

idax

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a) If you confirm that this si your signiture we will of course send you a complete copy of the relevanc document,We would also invite your porposals for settling this outstanding debt.

 

b)If this is not your signituatre we would ask you to provide our office with a copey of your signiture from an official document,(such as a driving licence/passport),to substantiate your claim,Please be assured that the matter will be incestigated mimmediately.

 

1st credit Ltd.

 

.

There is a template letter you can send written by pt2537 (one of the Moderators) with regard to 1stCred request for your signature

 

 

He also advises that the Consumer Credit Act doesn't provide that they can demand your signature before they comply with your CCCA request, nor does the Data Protection Act. It does allow them to satisfy themselves as to your identity, but doesn't expressly state they can have your signature, so don't give them it or confirm it!!

 

Hope when you get your CCA scanned and posted , CreditCardmug and Ida confirm it's unenforceable:D.

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Yes I did send an in goings and out goings sheet! I do not have a scanner but the letter said the following on the CCA its a photocopy and on the letter is says:

 

please find enclosed an edited copy of the signed agreement Why is it edited, ask them this fo the above account and would ask for your comments.

 

a) If you confirm that this si your signiture we will of course send you a complete copy of the relevanc document,We would also invite your porposals for settling this outstanding debt. You already send a proposal with your income and outgoing spreadsheet, remind them of that

 

b)If this is not your signituatre we would ask you to provide our office with a copey of your signiture from an official document,(such as a driving licence/passport),to substantiate your claim,Please be assured that the matter will be incestigated mimmediately. Do not ever send them anything like this, they are happy to pursue so they must belive it is you

 

c)Where and address is detailed that you do not reside in we would ask you to cmomment on whether you ever resided at the address and if so the period of your occupation. none of their goddam business

 

d)If we beleive Big of them, they are now police as well as debt collectors that a fraud has taken place against you we will advise you.In these circumstances we would recommend tha tthe matter is reported to the local Police and 1st credit Ltd,will of course co-operate fully to ensure the matter is throoughly investigate.

 

Thank you for you assistance in this matter.

 

Yours sincerely

 

***

 

1st credit Ltd.

 

Then there are two pages which are photocopied from Aqua stating my personal details, pages 3 and 4 of 8.

 

Dont do their job for them, it is up to them to prove to you that the alledged debt is your

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