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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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    • 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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CCJ from CL finance (Howard Cohen)


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It might just disappear never to be heard of again CCM. That happened with one of ours and I have not bothered to question it. Same situation as you, I wrote to the court and said they had not supplied the information and have heard nothing for a long time.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 3 weeks later...
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OK can anyone cast an expert eye over the attached please:-D...I seek swift response to advise if HC Cohen have correctly complied?

 

Also a couple of statements...which you will see include a regular monthly protection scheme. Cant recall the detail sorry:-| - but in view of the amount of cover seems steep, anyone comment/advise please. A useless protection scheme:mad: ...a quick reckon up means its cost around £400 since June 06!

 

img-090114001520-0001.jpg

 

img-090114001520-0002.jpg

 

img-090114001520-0003.jpg

Season greetings at Christmas & Happy New Year to all!

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County Court General Form of Judgement or Order says...

1. Allocate 'Small Track'

2. Use 'Small Claims Mediation' service.

 

Hearing date set on the Small Claims Track for 17th March.

 

Initially reply required to have this set aside, varied or stayed within 7 days - dated 16th January so must respond tomorrow to be within ideally:)

GCC16Jan2009.jpg

Season greetings at Christmas & Happy New Year to all!

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Hi DDD - i'm dealing with howard cohen also at the moment so good luck with yours.

Goldlady - sorry to hijack but i have a hearing with HC end of this week in court for them to produce docs. I thought if they didn't produce by then it would be struck out? (have a CO hearing in mar regarding this but the one this week is regarding a set aside i applied for).

Can the court give them more time? If so really what is the point of giving them a date and then not sticking to it? :confused:

Sorry, it's just that i'm panicking a bit now!

Lisa x

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The court will probably give them more time, which seems unfair as I am sure we would not be given the same chance. However in my experience the court will lose patience with them in the end and you will get the case struck out. Just make sure you keep the court informed all the way along.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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may i formally bring to the attention of our subscribers the follwing post from alanfromderby

 

quote

 

 

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=&a=149

 

 

Have you had dealings with a West Yorkshire based Debt Collection Agency?

 

If so, we have received this request for help:

 

I'm a journalist at the BBC, working in local radio in West Yorkshire. I'm interested in hearing from anyone who has had dealings with any West Yorkshire based debt collection agencies. If you too are based in West Yorkshire that would be ideal, however I'm still very interested in hearing from people all across the UK.

 

After initial chats at some stage I may wish to do a pre recorded interview with you. If anyone would like to get in touch to tell me about their past or current situations with West Yorkshire DCAs please contact me at: [email protected]

 

unquote

..

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  • 1 month later...

Both poor reproductions but these are almost the same as the ones in the bundle they are or already have submitted to court for next week....which I have been also sent a copy. I contains thes and some copies of the letters they have sent with a small sample of statements I assume confirm the account has been used.

Also perhaps a red herring but they claim the card was 'lost' that is incorrect, I have an outstanding issue on what (if any protection) was afforded by the account fee I dutifully had collected regardless of account condition!

Edited by debtdebtdebt
not enough detail

Season greetings at Christmas & Happy New Year to all!

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hiya just noticed it s a debenhams account,,,is that it,,,no other terms and conditions,,,, that looks diff to mine,,,how old?

 

sorry going to read back over your thread now as only found it this eve,,,

 

brb agnel x - am back

 

now i can see the second page of your scan,,,are they suggesting this was together as one peice of paper? ie a document, but if you cant read it clearly then surely thats against the act ?

 

have you seen this thread about cca's will come back and post it for you to have a look

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html

 

 

in the meantime have you seen this thread too?

http://www.consumeractiongroup.co.uk/forum/legal-issues/187437-howard-cohen-no-more.html

 

 

laters angel x

Edited by angel_1
  • Haha 1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya DDD

 

well i m waiting on my sars info,,,so not sure but cl finance have sent me terms that were supposed to be back of an app form but contains PIN info but in 2005 that was just coming out,,,,and ive been told my deb card account wouldnt operate on a pin card system - out of curiosity was yoru account only had to sign at the checkout,,,you didnt get any pin with yours even when the pin technology came out?

 

i challenged what i had initially and they admitted hadnt sent me correct info firstly then now they supposed to have still investigating these other terms at the moment ive been sent

 

i wish i can find my original paperwork, might have destroyed it ie fear of identity theft,,,lol

 

so my sars is my only hope,,,,going to report to inf com off now that is needed by me i think

 

well good luck and if i can help further even for support im subbed on your thread,,,

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Bump anyone???

Just need an experienced eye to give me a thumbs up/down on this on this photocopy? Is it a correct CPR document as I requested?

 

Much appreciated:)

Edited by debtdebtdebt
wrong content

Season greetings at Christmas & Happy New Year to all!

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It appears partly OK to me (has APR's for purchase and cash withdrawals)

 

However, if that is how the copy they sent you looks, theyre knackered

 

SI1557(think thats the one) "copies of documents" requires any copy to be easily legible

 

Hopefully someone else will pop along and give an opinion on other aspects, I'll have a think myself

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omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Thanks ncf355.....I'm due in court on 17th March, running out of time.....eeekkk:cry:

 

I have the confidence to do this so long as I have all the right responses and they are accurate and correct.

 

Just a thought on the fact they are poor copies....the 2nd one only has the date as '18/12' is that OK....does not include the year! It also appears to be a short side covering the rest of the complete document it was copied from....so I make that incomplete...any comment on that?

Edited by debtdebtdebt
error and amendment

Season greetings at Christmas & Happy New Year to all!

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Its different to mine, and Clearer, but it does state application form on it. Is it a valid agreement I would say not but you need to check the thread about agreements etc, this is a sticky I belive in the debt forum

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

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In short can anyone help ....due in court no papers served and I am really unprepared. hopeless case or naything I can do. I have clearly runout of time....can I plead exceptional circumstances on anything?

 

ANY help will be GREATLY appreciated......:eek:

Season greetings at Christmas & Happy New Year to all!

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hiya

 

only thing i can can think of click on the red triangle next to the scales and a mod will be alerted to this thread, maybe some legal expertise will then view your thread and see your next options

 

not got to any court yet so really cannot help in that direction - have you located any other threads with these creditors that people who have gone through this process may be able to help you further?

 

keep positive i will look in again over the weekend

 

take care laters, angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Morning, I'll have another read through the thread and get back to you later, in the intervening period this will bump the thread

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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Hi again DDD had a re-read and a look at the document. This is now clashing with Newcastle V Hull and, being a Geordie, well, you understand. On the face of it you might have a chance on two grounds, first the agreement looks illegible and second, all the sections do not seem to be within the four corners of the document although it is difficult to say, given the quality of the scan. I'll be back this evening, in the intervening period have a look at the link PGH747 posted and see what you think.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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