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    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court and ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all. So you really want to exhaust every possibility of avoiding them if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
    • Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
    • I see the trial of the real criminal in the Biden Family has started rather than the sham political persecution of Trump    Biden will of course try to distance himself as far as possible to no avail  Even more votes for The Donald🤣    
    • Savings platform Raisin UK is offering a £50 bonus for new customers who sign up for an account.View the full article
    • With Farage back in the news, here's a reminder of his interview with Claire Byrne on Irish TV a few years ago.  
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hi i am new to this site and would like some advice if anyone can help me.

I have just recieved a letter from buchanan clark and wells in glasgow saying a decree has been granted andd i owe them £735 which has to be paid by 26th nov. This is from a debt i had about 4 or 5 years ago with bank of scotland when i was a student. yes i stupidly didnt pay my debt back then. The thing is, this is the first i have heard from them. i have recieved no court proceedings letters. My question is, i have moved a few time in the last few years so is this why i havent recieved the court papers? and, the since this is the first letter i have recieved from bcw, why havent they given me full details ofmy debt including the date etc when the decree was granted? i hope someone can give me some advice, sorry for writing so much.

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hi i am new to this site and would like some advice if anyone can help me.

I have just recieved a letter from buchanan clark and wells in glasgow saying a decree has been granted andd i owe them £735 which has to be paid by 26th nov. This is from a debt i had about 4 or 5 years ago with bank of scotland when i was a student. yes i stupidly didnt pay my debt back then. The thing is, this is the first i have heard from them. i have recieved no court proceedings letters. My question is, i have moved a few time in the last few years so is this why i havent recieved the court papers? and, the since this is the first letter i have recieved from bcw, why havent they given me full details ofmy debt including the date etc when the decree was granted? i hope someone can give me some advice, sorry for writing so much.

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hi i am new to this site and would like some advice if anyone can help me.

I have just recieved a letter from buchanan clark and wells in glasgow saying a decree has been granted andd i owe them £735 which has to be paid by 26th nov. This is from a debt i had about 4 or 5 years ago with bank of scotland when i was a student. yes i stupidly didnt pay my debt back then. The thing is, this is the first i have heard from them. i have recieved no court proceedings letters. My question is, i have moved a few time in the last few years so is this why i havent recieved the court papers? and, the since this is the first letter i have recieved from bcw, why havent they given me full details ofmy debt including the date etc when the decree was granted? i hope someone can give me some advice, sorry for writing so much.

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My question is, i have moved a few time in the last few years so is this why i havent recieved the court papers?

Possibly as the court papers would be sent to your last known address. This however does beg the question how come BCW now magically know your new address.

 

BCW have been sending out a lot of letters recently stating that they have a decree granted against people when it would appear that they do not. It is a criminal offence to state that a decree has been granted when it has not.

 

I would write to them via recorded delivery requesting full details of the decree including which court is was granted in, the name of the sheriff, the decree reference and the date of granting. Pay them nothing at the moment.

 

I would also get in touch with your local court and ask them for details of any decree against you. As this is a consumer debt any claim should have been made at your local court.

 

Even if they do have a decree against you don't panic. As it was granted in absence you have the opportunity to have it recalled.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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thanks very much i will do that, also, if i do this and dont pay them at the moment, it says on letter i must pay full amount by 26th nov. If i dont do this, can they find out my bank details or where i work and arrest my wages?

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also, if i do this and dont pay them at the moment, it says on letter i must pay full amount by 26th nov.

It really doesn't matter what they have sent you. This letter isn't worth the paper it's written on. If decree had been granted in absence then you would have one month to pay it before it would be registered on your credit report. All they have done so far is state that they have a decree against you - I could state that, it doesn't make it any more true.

 

If a decree had been granted against you then why have you received nothing from the court? The letter is designed to make you panic and pay up immediately without thinking.

 

If i dont do this, can they find out my bank details or where i work and arrest my wages?

Nope. As I previously stated you have a right to defend any claim against you. As it was granted in absence then it can be recalled as you had no opportunity to defend. If this account is 5 years old then it's also statute barred.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thread moved here-and 3 threads merged.Please try to keep your posts together.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thread moved here.

Why? All the other BCW "we've got a decree against you" threads are in the Dealing with Debt in Scotland Forum.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If they have falsely claimed to have obtained a decree (which seems perfectly possible) then they have DEFINITELY committed a criminal offence under the 2006 Fraud Act. That being the case you MUST report them to the police, trading standards & the OFT

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"BCW have been sending out a lot of letters recently stating that they have a decree granted against people when it would appear that they do not. It is a criminal offence to state that a decree has been granted when it has not."

 

Which begs the question- what is being done about it?

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sorry but i have one last question, can you tell me how i should set out a letter to bcw, i want to do it right and not sure if i can get hold of a template or something, thanks again

Something along the lines of

 

Dear Cheating Barstewards

 

A/c Ref: xxxx

 

Thank you for your letter of (date) in which you state that a decree has been granted against me for the sum of £735.

 

However before I can acknowledge any indebtness to yourselves I would respectfully ask that you supply me with the following:

 

The court the decree was granted at together with the date of the decree. The court reference of the decree and the name of the sheriff who granted said decree.

 

I shall of course check with my local sheriff court to ascertain if indeed any decree was granted. As you will be aware as this alleged debt is a consumer debt any decree should have been granted at my local sheriff court and any action taken at another sheriff court would be incompetent on the grounds of jurisdiction.

 

Should I find that no decree has been granted I shall of course report what would then be a criminal act on your companies behalf to the relevant authorities not limited to the police, Trading Standards, the Scottish Courts Services and the OFT.

 

As all this information should be to hand I will give you the deadline of (I would give them about a week) to furnish me with this information.

 

I await your reply.

 

Yours Faithfully

 

Print name do not sign.

Edited by rory32
typo

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Which begs the question- what is being done about it?
This would appear to be a fairly recent thing. People need to report the matter. If it's not reported then they get away Scot free (no pun intended).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Something along the lines of

 

 

Rory I would suggest the 2nd parabe dropped

 

"However before I can acknowledge any indebtedness to yourselves"

 

for

"I do not acknowledge any liability to your company whatsoever but must assume your being truthful when you state you have received a court decree. Therefore and for the avoidance of any doubt and before responding further please supply a copy as soon as possible by registered post in order that I might check it's veracity"

 

Please Note the request for registered is to stop them claiming usually repeatedly that they have sent it when we all know they haven't

Edited by JonCris
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