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    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
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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 - Old Mortgage Account - Help Required Please


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I think with most people it starts off with being a few pence overdrawn, so you get a charge and then a 28 overlimit fee which isn't applied until the end of the month. I am on a set budget, so that is 58 quid from next months bills & mortage budget. The 28 quid then takes you over your limit again so another charge. Then by the following month, you are worse off, so maybe a direct debit will bounce and hey presto, more charges. If you then try to call the Halifax for an overdraft to try and be sensible, they will tell you you can't have an overdraft unless your account has been charge free for 3 months, which is helpful!! Then maybe a direct debit will be returned, so mare charges, and maybe a fee from the company trying to get their money and it seems a big hole opens up and swallows you!

 

I have quite a healthy salary going in my account and was embarrassed by the amount of charges I had clocked up in 3.5 years (£1800), but from reading on this site, it is by no means unusual and the banks want to do very little in terms of helping you get out of the spiral, and why would they I suppose when they know they can charge more or less what they want each month!!

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Springer :p

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yeah I'm totally with you on that one Springer the money is there for the DD but the apply a charge and then the money aint there oh that will be another charge to come out

01/09/2006 Data Protection Act sent

04/09/2006 Data Protection Act recieved by Halifax

28/09/2006 Called Halifax to see if they have done anything about Data Protection Act letter

17/10/2006 Non Compliance LBA sent

23/10/2006 Phone call made

24/10/2006 statements arrived

24/10/2006 prelim letter sent asking for return of £1455.87

08/11/2006 LBA sent ;) court next :p

14/11/2006 good will gesture made offered £513 now claiming £1639.95 :D

15/12/2006 Court claim number Halifax must respond by 23/01/2007

 

05/01/2007 PAID IN FULL WOOHOO

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Regarding DD's, I used to pay my bills by cash or standing order.

Over the years, I gradually gave in to pressure to pay by DD.

Why did the goverment issue all those ads telling the country to pay by DD?

I chose cash & standing order because it meant that I could dictate when I paid, the amount I paid and the date that the payment was made.

In other words,I had control of my budget.

 

A DD can be taken from your account up to 3 weeks before and after your aranged payment date.

The amount can vary, for example when Mortgage interest rates change.

So, from being in control of your budget, you hand over control to whoever you are paying.

You cannot control your budget unless you have at least one months total budget payments in a separate account used only for bill payments.

You can't set this up whilst the banks and others continually fleece you!

It is in their interests for your account to get into trouble.

In the offer of partial seetlement sent to me by the Halifax, they stated that it was my responsibility to manage ny account properly.

I did this for years until they started to treat it as a source of income for them.

And, of course the banks just love it. It is most definately a significant source of revenue for them.

 

I have several claims ready to go. I'll start them once I have proof - i.e. money! - that it works via my Halifax claim.

 

After which I will insist that I once again pay by cash or S.O.

 

Institutions should not be able to dictate methods of payment.

If they are being paid, that should be sufficient.

 

There.... that's my rant for the day!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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  • 4 months later...

I also took out a Leeds mortgage in 1989 redeemed in November 1999 sent

Sars request 13/01 with £10.00 crossed postal order. no response whatsoever. Sent 2nd request ( as they were adamant they never received the original!)22/02- still no response! ,phoned last week - 5th call- finally got really helpful lady who told me original was received on 15/01!! Also told me I had a tie in with another mortgage( interesting as my current mortgage is with Birmingham Midshires, and I,m at the 2nd offer stage with them!) I pointed out that they were already in breach, and when was I likely to receive the statements- also mortgage exit fee refund. Was told 'probably the end of the week'. needless to say nothing at all, other than a cheque for £10 refunding the 2nd SAR fee I sent needlessly. Any sugestions what I can do next? I have no ideas what fees were applied to the account, other than the fact that they were hefty due to 2 yrs ill health. Help!

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  • 3 months later...

well 6 months down the line, and after involving both the Information Commisioner and Financial Ombudsman have finally got statements from old Leeds account and Halifax- does anyone out there know what the Leeds charges were please for letters and telephone calls? I,m really struggling to make sense of what they,ve ( finally) sent me. HELP!!

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