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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
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    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
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OK this is a debt of my dads which he asked me to look at today but i dont know where to start so thought i would ask you nice people here as you have helped me before.

 

this is what i know:

 

Dad has been ignoring letters from cabot for a debt which he says is an old barcley card which was last payed and used in 1999.

 

I now believe it has been to court as he has had letter from solicitors on saturday saying they have an application for a charging order over your property, this application will be made 7 days after date of letter. (which was the 3rd of september)

 

Dad phoned and told them he not paying doesnt acknowledge the debt as it is 9 years old.

 

there is a notice of change of solicitor they sent with the letter which i dont understand. sorry cant post pics of letters as dont have scanner.

 

Advise much appreciated.

;)
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Does your dad have all the letters from Cabot?

 

Can you track what has happened- has he been taken to court for a CCJ already?

 

What does the last letter say- does it have court details, where, when, court number etc? Or does the exact words say we MAY get a charging order?

 

Are there any dates on the letter/ timescales?

 

And who is it from- Cabot?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Does your dad have all the letters from Cabot? NO think he binned them thinking they would go away.

 

Can you track what has happened- has he been taken to court for a CCJ already? Not sure hasnt had a letter saying so.

 

What does the last letter say- does it have court details, where, when, court number etc? Or does the exact words say we MAY get a charging order? The letter he gave me is from shoosmiths solicitorswhich says they are instructed to proceed with an application for a charging order

 

Are there any dates on the letter/ timescales? The solicitors letter is dated the 3rd of september and it says the application will be made 7 days after the date of the letter. which gives him till wednesday

 

And who is it from- Cabot?

Originally cabot. notice change of solicitor says shoosmiths.

;)
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Send the Statue barred letter by special delivery to Shoosmiths TODAY.

 

Letter M.

 

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

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Just get it there asap. It just looks like they are chancing their arm on this one.

 

I also used to used your dad's filing method- many of us on here did. Then I progressed to putting them all in a drawer and now I've started dealing with things, I am finding gems from most of the DCA community in there. My attitude has changed so dramatically, all thanks to CAG.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Of course it would perhaps be easier to deal with earlier, or with more information.

 

But many of us have used the bin or drawer filing method in the past. The key is to deal with it now.

 

These "solicitors" may not listen now- but if they try to get a charging order when they have been previously told the debt is statute barred, then there is an automatic reason to fight them.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Hi Emma,

 

Do you think the CCA request would also be in order? The reason I ask is that if they do go for a charging order after the request has been made and they haven't supplied one, that would also be a defence in itself.

 

Would that compromise the Stat Barred? I can't see why it would be I'm no expert...

Just thought that if time is tight it would be worth getting the clock ticking on the 12+2 working days and would add more to the defence...:)

  • Haha 1

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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You could also go for CCA- starting the letter with the obligatory "I do not acknowledge any debt to your company or any company you represent".

 

The key would be to send the statute barred letter- then if they come back to say there has already been a CCJ in the case which would restart the clock if it was not defended, then go for the CCA, perhaps.

 

But statute barred (with out any prior court action to reactivate the debt) is a complete defence against this claim.

 

I think that is all right- unless anyone else can correct me?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Does the CCJ not depend on when it was issued? because as I understand it, once the debt becomes SB'ed then that is it, nothing can restart the clock, so we would need to know the date of the CCJ.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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I mean if the CCJ was recent- ie if they have got one recently which has not been defended. Sorry if I was not clear about that!

 

It sounds like the OPs dad is being railroaded, as the DCA think he doesn't know his rights and will just ignore them OR that this will make him panic and pay. Usual tactics.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Ask him if he saw any court documents- but whatever he says, send off that statute barred letter today by special delivery so it gets there by noon tomorrow.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Brilliant- hopefully this can stop them running to court- or at least slow them down enough to get more information.

 

Shout if you need anything.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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