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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mackenzie Hall -Alledged Caboy Financial


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Here are your other threads....

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/150832-unknown-account-thames-credit.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/150829-marks-spencer-store-card.html

 

As it is Mckenzie Hall...any chance the debt may be stat barred ?....have you sent a CCA ? Do you know what the debt is for ?....

 

If you're not sure send them this by recorded delivery...and don't hand sign it...

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

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Unless they have stipulated to who this "debt" is due you can safely ignore this.

 

I laughed out loud at the line "our client will not hesitate to take further action" Their client, whoever they are, will not so much hesitate as run away from this before they even consider taking the appropriate further action - that much is clear because they have passed on the account to MHall who are bottom feeders of the worst kind.

 

The fact they are now chasing you for this suggests there is no documentation to support the claim, has unfair charges oozing out of it and is probably statute barred.

 

Your choice is to either ignore the letter, and the further threatograms which will follow - once only discount, more action may be taken, another discount offer, a standing order mandate, a red letter asking you to call them to arrange delivery of a mystery package etc - or challenge them to put up or shut up.

 

Like the artwork!

 

PS It was only after posting I realised its Cabot who are their clients. Further action? Hahaha!

Edited by NailPost
misread title!
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  • 4 weeks later...

You need to edit your first post - the reference number is still showing in the "text us" bit

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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Told you there would be a reduced settlement offer. And they are still claiming their clients will not hesitate to take further action.

 

I take it you ignored the first letter. You could do the same with this too. But if you do respond send them a CCA request, ask them for the name and address of their "client", throw in a line asking their opinion of the remark about being "unaware of a legitimate reason for non-payment" stating the complete lack of any paperwork is a complete defence in law to their stupid demands. Also insist they send details of their complaints procedure with their next "offer"

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