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    • Hi All. I was driving in Stevenage down a 40 road.  After coming off the motor way i noticed my car felt a little "weird" so i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intollerant on date night, so we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i havent recieved anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. SHould i query the ticket as i dont want to miss any deadlines (if so who do i check with?) OR should i keep queit. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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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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Halifax credit card now 1st credit


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Now I am totally confused!!!! In addition their CCA and DN are defective in any case, so I guess I could sit and wait to use this interest argument???

 

My head hurts!!!

 

S.B.

 

hi shellbelle

 

so you got a defective DN have you had a termination or a letter demanding the whole account balance afterwards?

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Hi again DD

 

I need to check my file, and will do 1st thing in the morning, if I remember correctly, they didn't terminate but may very well have demanded full balance, I will update in the morning.

 

Thanks

 

S.B.

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Shelebelle,

 

I think that earlier in this thread I did say that interest inaccuracies are usually a non starter re enforceability of a contract. However quibbling over interest rates is an excellent way of delaying matters and you seem to be doing rather well at that!.

 

I am lookingf foreward to Halifax's reaction to the fact that the prescribed term for interest is not in the agreement and that their paste job has been rumbled.

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  • 2 months later...

Hi all

 

Posting this for a friend....

 

The friend is a discharged bankrupt and has been for 2-3 years, has obvioulsy not had any credit since that time.

 

Recently received a letter from 1ST Credit asking for payment on a MBNA credit card debt...the friend included every debt in the bankruptcy and definatley doesn't have any outstanding debt of any nature.

 

My question is do DCA's stoop this low and try to collect on a bankrupt debt??? Silly question me thinks!!!

 

My friend said that it's not even worth a phonecall or letter.....I tend to agree as it would start the old paper chain and phonecalls which would really be a waste of everyones time.

 

Any thoughts or advice that I can pass on would be appreciated...I guess it is a no brainer in 1ST Credit's respect???

 

Thanks

 

S.B.

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Make a complaint to your local trading standards & the OFT with regards to their harassment, they are in clear breach of OFT guidelines & CPUT ;

 

Consumer Direct - Contact us

 

OFT Complaint form

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/DebtCollectionComplaintForm.DOC

 

The Office of Fair Trading: Contact us

 

[email protected]

 

 

tel: 020 7211 5823

 

The Office of Fair Trading: Debt collection practices

 

http://oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

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Hi guys

 

Thanks for your input I will pass it on.

 

What I don't really understand is why or how MBNA sold this on and what hope they thought they had in collecting it!!! But there and again they are all a differet breed.....!!!!

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Managed to view a copy of my friends letter and it turns out it is a periodic statement.....but they still go on to mention the convenient payment options available!!!!

 

Anyhow this is all irrelevant really and quite clearly should have never been passed on to a DCA!!!

 

Friend is going to wait and see if tehy receive anything else and then complain and let the OR know the situation.

S.B.

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  • 3 weeks later...

Hi all

 

Well it's been very quiet for a couple of months, but received the following from 1st Credit yesterday:~

 

They have sent an annual statement along with a standing order mandate for repayment and state that if they cannot make contact and agree repayment terms then they will CONSIDER legal action. Alternatively they may arrange a doorstep visit to discuss a repayment schedule!!!

 

Well they can arrange all they want and we all know how that will be dealt with!!!

 

I believe the monkeys are pressing their keyboard again and running off another standard letter.....shall I just file this neatly???

 

Comments appreciated.

 

Thanks

 

S.B.

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Just thought Id let you know that it is a good post and very amusing, you have had no response because someone posted same yesterday?

A way of getting people to acknowledge the debt no doubt

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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