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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Consumer Credit Agreement question.


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:???:HELP, I need an EXPERT in the consumer credit act!:???:

Signed a course agreement with the Instructor College in 2006. The lady conducting the introduction (secretary) arranged a one year interest-free loan covering the course fees provided by Clydesdale Finance on the same day. She urged me to sign there and then because this was "a special offer due to promotion". About 8 months into the course, I sustained RSI as a consequence of instructions given and asked for a refund as I couldn't continue. This was refused. I did some research on the web and discovered that TIC is owned by LVG Ltd operating on different premises. Also, when I signed the course/loan agreement TIC's consumer credit license had expired and they hadn't applied for extension.

Now, question (1):

Can ANY employee (not trained/registered as a finacial advisor) of company (A=TIC) owned by company (B=LVG) sell a loan provided by company (C=Clydesdale) on the premises of company (A) without a representative of company © present? Would company (A) need its own consumer credit license especially if it doesn't provide the information that it's owned by another company?

Question (2): Wouldn't TIC have been obliged to grant me a 7 day cooling off period during which to take the respective documents off their premises and seek independent advice if so desired before asking me to sign them?

I'm running in circles as I don't have a clue which part of the consumer credit act applies to this situation and these "friendly people" have maneuvered me into a tight spot.

Your expert advice will be highly appreciated.

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I think your agreement would be covered with a CCA request and there should be a section on it about terminating the agreement.

 

Do you have a copy?

 

If not send a cca request to get one

 

Consumer Credit Act template - Consumer Wiki

 

Someone will be along a credit lisc etc

 

Idax

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TIC had acted as a broker and when they refused me a refund due to the injury, I didn't repay any of the loan they had arranged with Clydesdale Finance but went to a solicitor. He didn't have any joy as both TIC and Clydesdale ignored his attempts at correspondence. After a couple of months, he closed the file and lo and behold, about two weeks later he received a letter from LVG Ltd's director who contested every point my solicitor had made and concluded that he'd consider giving me a refund if I surrender my driving license. Clydesdale had the cheek to claim that the loan had nothing to do with TIC and the course even though the £ 3000 had gone directly to TIC's account. I then wrote several letters to Clydesdale asking them what I'd have to pay to settle the debt of originally £ 3000. In their first reponse, they asked for £ 5189.65 to which I replied that I find it excessive. In their next letter, they asked for £ 5203.84 and again, I replied that I find it excessive. Then, they sold the debt to Barclays who asked for £ 6318.36 minus £ 1081.90 if I pay by 1/1/08. I ignored them completely, didn't hear anything more until 1/5/08 when CapQuest sent me a letter informing me that they'd now bought the debt from Barclays. I sent them a cca request on 26/6 and got three letters from them, pretty much indicating that they haven't got the loan agreement. I've got another thread on this forum, "Help - I'm having major problems with CapQuest", where I've quoted the letters.

I very much doubt that TIC could act as a broker from their premises and under their name without having a valid consumer credit license.

How can I attach the agreement (course & loan?) to this site? Is it the "insert image" icon?

Tried trading standards but they appeared at a complete loss with the case (not all that interested).

As for terminating both course and loan agreement, that's what my solicitor had tried.

 

What now???

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album

 

Well, I've saved the relevant pages in photobucket, clicked on the "insert image" icon and typed in the URL.

Don't know though if and how you can retrieve the image (5 pages)???

Or, should I have done something different???

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th_course_agreement19606_edited.jpg

 

Well, that's the course agreement with TIC. I've copied the image from photobucket and pasted it here but it's too small to make out anything. Is there any way to enlarge it???

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Could anyone please comment on these agreements?

Especially, how come that TIC aren't regulated by some government organisation despite the fact that they broker financial products???

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