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    • Just an update for all. I received about a letter every other week, increasing in threat levels. Then I hadn't had one for a about two weeks, then Saturday received a carbon copy of the very first letter they sent me in February. 
    • So, your response was not received by the SCP as you did not send it with a valid stamp. Therefore, from my two option in post #14, the first option is the only one available to you, but you do not have the option of asking to be sentenced at the fixed penalty level as the reason the SCP did not receive your response was down to you. Here's a reminder of what to do: Respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box state that you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. This is a tried and tested method to deal with your problem and is almost always successful. Before the pandemic it was necessary to attend court to do this "deal" because it needs the agreement of the police prosecutor.. During the pandemic courts made every effort to have as few  people as possible attend and they began doing this deal under the "Single Justice" procedure without the defendant's attendance. Some courts have carried this procedure on whilst others have reverted to a personal attendance being necessary. If you are required to attend, your case will be taken out of the SJ procedure and you will be given a date for a hearing in the normal Magistrates' Court. If that is the way they do it in the area involved you will have to attend, see the prosecutor and offer your "deal" in person. 
    • what device are you using? copy all the questions then come here to this thread and paste them. then answer each question click on red give answers here. when done  hit submit reply bottom right.  
    • No because it's locked. You need to copy the relevant part of the questionnaire and paste it into this thread. That way you can overwrite. HB
    • Hi  I'm not able to overwrite the red writing to give answers on the questionnaire.
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cahoot send cca different to the original


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Hi all

 

can someone please advice on this one because I m really confuse :???:

 

I requested cca from cahoot on 11/09/08

 

On 2/10/08 I received this

 

th_001.jpg

 

 

Then today 10/10/08 I received this

 

th_001-1.jpg

th_002.jpg

 

And as I was looking for my car insurance, I found this

 

File been removed

 

These are the original, so when I put it next to each other, account no. was the same but the description of loan is different.:eek::eek:

I remembered I took out a fixed sum loan but yet on the new cca they send today says flexible loan:eek:

 

And also dates don't match but the signature is mine

 

Anyone?:?

Edited by bobogosing
documents not safe to post

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It looks like they've cobbled one together for the purposes of fulfilling your CCA request.

 

The problem here is, if you produce the original CCA, you've effectively done their job for them, hoever by any other name, it's fraud

 

Thanks spamheed!

 

of course I wont produce the original as I m really struggling with my finance but I would consider a final settlement to get rid of my debts as I want my life back.

 

What do you think I should do next?

 

Any advice would be most appreciated;)

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have you not got enough proof that they are both fraudulant as they both have false information so they cancel each other out??

 

they need to prove which is the original so either way you've got them on the other one........

NatWest settled in full :D now is the time for A&L

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have you not got enough proof that they are both fraudulant as they both have false information so they cancel each other out??

 

they need to prove which is the original so either way you've got them on the other one........

 

Hi Chard76

 

Would the original and the one that they send me (kept the envelope this time) today be enough proof?

The original has my and their signature.

 

Also can I ask you, when you said "both have

false information"...........can you point me out please?:)

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Hi Bob,

 

the one that you had with your car insurance is the original am i right in thinking?

 

and the 2 you got through the post this month are both different to the one you already have?

 

also the 2 that they sent you have different dates when the "loan" was signed for and information etc?

 

so therefore if i am right in thinking which ever one they say is a true and original document they are then admiting that the other is a false and made up one? have they not got themselves in a catch 22 situation?

 

i'm not an expert in these matters so please dont take anything i say as being the case but i do have a very handy habit of noticing things that dont play right, think it goe's with my job :)

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NatWest settled in full :D now is the time for A&L

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Hi Bob,

 

the one that you had with your car insurance is the original am i right in thinking? yes

 

and the 2 you got through the post this month it was received today are both different to the one you already have? yes

 

also the 2 that they sent you have different dates when the "loan" was signed for and information etc? yes

 

so therefore if i am right in thinking which ever one they say is a true and original document they are then admiting that the other is a false and made up one? have they not got themselves in a catch 22 situation?

 

i'm not an expert in these matters so please dont take anything i say as being the case but i do have a very handy habit of noticing things that dont play right, think it goe's with my job :)

Thanks a million pointing this out:-D

I was stuck and not knowing how to deal with this.

 

How do you think I should write to them? I m not very good at putting letters and I really dont want to mess this up.

 

Any help will be great:( x

 

And I m a she bobo:-D:p

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OK, well it seems to me that they have not been able to find the original, which puts you in a strong bargaining position IMO. After all they would need the original to take you to court and not a blank agreement showing what might or might not have been agreed at the time.

 

It is a bit of a catch 22 situation but I would not be throwing the original around too much.

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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OK, well it seems to me that they have not been able to find the original, which puts you in a strong bargaining position IMO. After all they would need the original to take you to court and not a blank agreement showing what might or might not have been agreed at the time.

 

It is a bit of a catch 22 situation but I would not be throwing the original around too much.

 

Thanks Goldlady!

Think I will ask for it to be deleted or can I do it myself? Not very good with computers:eek:

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oh bobo............ lol for a moment then i thought you ment female bob as in black adder!? pmsl

 

Right back to the matter in hand, not sure if there are any templates that could help? but it might be worth asking them for another CCA stating that the 2 they have already sent contradict eachother and that you will be seeking legal advice to the fact, high lighting the different dates etc might be worth a call to trading standards.

 

also might be worth asking a mod to to see if what i've noticed is a good enough reason to make a complaint to the ts and/or oft you might have them by the short and curlys on this one and through their own stupidity. probably some yts thinking he can get some brownie points!!

 

good luck........ Bob ;)

NatWest settled in full :D now is the time for A&L

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NatWest Vs Chard

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You can edit the post as the originator - look at the original post and click on 'edit' at the bottom

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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no dont destroy your original its all you have to know that they are lying to you.

 

 

 

 

 

ignore that^^^^^^

 

thought you ment your letter not the one you posted on here. lol

Edited by Chard76
made a mistake :(

NatWest settled in full :D now is the time for A&L

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You can edit the post as the originator - look at the original post and click on 'edit' at the bottom

 

Phew.......! Done it:D

 

I knew this forum is good, not only it helps with knowledge and also it helps to build my computer skill....lol;)

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oh bobo............ lol for a moment then i thought you ment female bob as in black adder!? pmsl

 

Right back to the matter in hand, not sure if there are any templates that could help? but it might be worth asking them for another CCA stating that the 2 they have already sent contradict eachother and that you will be seeking legal advice to the fact, high lighting the different dates etc might be worth a call to trading standards.

 

also might be worth asking a mod to to see if what i've noticed is a good enough reason to make a complaint to the ts and/or oft you might have them by the short and curlys on this one and through their own stupidity. probably some yts thinking he can get some brownie points!!

 

good luck........ Bob ;)

 

 

Lol........thanks for your help Chard76:)

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Good stuff, now you can take them on and make a deal. What they have sent you is worthless:D

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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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Hello bobogosing,

 

and if you have to go to Court then use this little bit of legistlation to your advantage....

 

Documents in Court - Civil Evidence Act 1995

 

should throw a spanner in the works if the CCA is not a true copy or the original;)

 

aa

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I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello bobogosing,

 

and if you have to go to Court then use this little bit of legistlation to your advantage....

 

Documents in Court - Civil Evidence Act 1995

 

should throw a spanner in the works if the CCA is not a true copy or the original;)

 

aa

 

Thanks aa! Will have a good read and take notes:-D

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I'm only a newbie so others obviously know a lot more than me, but. If they have sent you a fabricated agreement, wouldn't it be an idea to say nothing until they take you to court, assuming they have the balls to go that far.

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I'm only a newbie so others obviously know a lot more than me, but. If they have sent you a fabricated agreement, wouldn't it be an idea to say nothing until they take you to court, assuming they have the balls to go that far.

 

Hi wilko1

 

You could do...............:rolleyes:

 

Just see how strong I feel tomorrow and in the meantime gather more knowledge;)

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Morning hopeful

 

hope you are keeping well.

 

sounds like I have turn chicken:eek:, sometimes I get so strong reading all these advice as i m on this forum and feels like we are all together in the same room and once the laptop switched off..........fear starts taken over!

 

Lol! sounds like I m writing a horror book but seriously that is how I feel:(

 

bobo x

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mornin Bob ;)

 

chin up girl!! dont let the b'stards grind ya down

 

the guys and girls who help on this site are a god send and because of them there are alot of people with money in their sky rockets and alot happier, i know it can get you down sometimes and make you wonder if its all worth it but trust me it is, just take nice deep breaths and take it one step at a time ;)

 

sorry i'm in stitches at the moment pink floyd money just started playin whilst typin lol

 

x

NatWest settled in full :D now is the time for A&L

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NatWest Vs Chard

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