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    • Do not under any circumstances plead guilty until we know what we are dealing with. It's a sure way to 9 points. The tried and tested way to handle this is to plead not guilty to both charges and offer to plead guilty to speeding provided the "Fail to give information" charge is dropped. But I am concerned about this "ticket refused" sticker. I've never heard of this before. A "ticket" is not a term used in connection with speeding offences. There seems a distinct possibility that your response was received by the police but one thing worries me: I've never heard of a sticker being placed on a response and it being returned "Return to Sender". t's just not what ticket offices do. If you could post a picture of this document and the sticker it might help.  If you can show the response was received you may have a defence to the "Fail to Provide" charge (provided you completed your response properly). If the police are saying you did not respond they cannot succeed with a speeding charge (as they have no evidence you were driving). But if you did not respond, who put the sticker on the document and sent it back yo you?
    • lolerz, many thanks for your reply and correcting my big mistake, oh dear start again. They sent the section 48 along with the Form NO 6A, it was sitting on top of the paperwork, sorry about that. SO they have sent me a Form No 6A and i have received the court paperwork with the claim form and defence paperwork.    
    • Hamster Bedding. Ignore.
    • Hi, below is a draft of the letter Address: Hugo Martin Director of Legal and Company Secretary EVRi Parcelnet Ltd trading as Evri CAPITOL HOUSE, 1, CAPITOL CLOSE LEEDS LS27 0WH REQUEST OF CONTRACTS      Dear Sir/Madam, I am writing in regards to the ongoing small claims case ____. In your Defendant’s response you make reference to a pre-existing commercial agreement between yourselves and Packlink (2.7). In that, you claim to have a clause removing customers third party rights under the Contract (Rights of Third Parties) Act 1999. I would like to request a copy of this contract and confirmation of the date on which the exclusion of third party rights term was included in it. If you refuse to provide this then I will be henceforth referring to that refusal in the claim, including to the Judge. I also notice that you have destroyed tracking information due to "lapse of time" in line with your data protection policy (2.12). Can you share where this data protection policy is disclosed to customers? I also ask you to forward you a copy of that data protectiono policy, and again if you refuse to provide this then I will be henceforth referring to that refusal in the claim, including to the Judge. Kind regards,
    • Firstly, thank you for filling in the sticky so quickly - we wish everyone who comes here would do that! You're in the clear.  MET don't know who the driver was.  They can use Schedule 4 of the Protection of Freedoms Act 2012 to transfer liability to the keeper if their bilge arrives within 14 days - they didn't send it out till 102 days after!!! So sit on your hands.  MET will come out with threat after threat but ultimately will do nothing. Have a read of other threads for this car park - we are having a tsunami of cases at the moment. Be sure to come back here though if they ever send you a Letter of Claim.  
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Goldfish Card (Connaught Collections <1st Credit>) and Bankruptcy Action


toughtimes
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Hi,

 

I am a new member and I really hope I have posted this to the correct section. I have read a few of the sticky notes and crossed fingers I'm in the right place.

 

I wonder if someone could help me please?

 

We have received a number of letters from 1st Credit and Connaught Collections requesting payment from us for a Goldfish Card (formerly Morgan Stanley). We haven't replied to any letters and just wondered what we should do.

 

In December 2008 we received a statutory demand under section 268 of Insolvency Act 1986. We have received a further one saying they are to present a petition.

 

Now, having read through this excellent site I gather that it would be a good idea to ask for a credit agreement in the first instance. What happens if they continue with this bankruptcy petition in the meantime?

 

Is there anything else we need to bear in mind or take action on with regards to this?

 

Any help, gratefully received.

 

Would someone please point me in the direction of this template letter please?

 

Many thanks

Edited by toughtimes
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Hello,

 

Someone here will give you the right info about the bankruptcy side of things and how you must write to the DCAs. A lot of them threaten bankruptcy.

 

It will depend on when your MS card was issued (like every card situation). However, you will see on the site that MS/Goldfish are now owned by Barclaycard, and a lot of us are waiting for CCAs on all of them. I have seen a copy of an MS Agreement, but that was posted about a year ago - before Barclaycard bought the lot. Go to the thread Morgan Stanley CCA -received Barclaycard terms in response. There was some very good news yesterday. I've also seen on the site that the MS applications have been destroyed - don't know whether this is true or not, but Barclaycard are not sending the GFish/MS agreements back and will try to fob you off with 'Under Section 78 ...... and say they don't have to provide a copy of the original agreement.

 

There are updates every day so just go to search and type in Goldfish and you'll always see what has been happening in regard to responses to the CCAs, and what is happening after that.

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Thanks Daniella.

 

They gave us 18 days and 21 days deadlines which have passed over christmas and new year. We did nothing and then we get a further letter saying that they will present a bankruptcy petition. Although it looks official you may well be right that it is just a threat. Not sure I want to take the chance now. It's a bit scary.

 

The card was issued before 2005 if I remember correctly.

 

I shall have a look at the other threads.

 

Thanks again.

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It is EXTREMELY unlikely that they will go for bankruptcy......

 

Only the Original creditor/owner can take you to court. Even if the debt has been assigned they would still need goldfish to take you to court.

 

No.1 get a copy of the agreement(s)

 

if they won't play ball try these methods outlined here....>

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

I have been in dispute with morgan stanley / goldfish / barclays for about 18 months and havent paid them a penny......in fact I think the balance is ZERO ??? I dont know if they have wiped it off or what, or it may suddenly appear in the future.

 

BUT..............importantly .........dont panic.

 

even if and it would be a big if, they started on the bankruptcy route (unlikely) you would have the opportunity to go to court and say "where's my agreement" no judge would or could find in favour of a creditor without a valid agreement

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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yup letter n will do it......though i tend to write my own rather than a template, but i am an old hand here :)

 

Stick to the timescales and the spirit of the letter. Post whatever you get back and if they wont supply you with a proper agreement...try the other method using cpr 31.16

 

rgds

 

dave

 

Good luck

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Right, I'll send it tomorrow morning.

 

Appreciate the help on this.

 

Cheers

 

DONT SIGN IT........print your name

 

and use a postal order

 

dont let them get your signature...they can do wonderful cut and paste jobs....

 

better than blue peter

 

rgds

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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TT....send off the CCA immediately on occasions Connaught will use the services of a no win no fee solicitors to present the BP....

 

Have a read here (and keep us posted) And unless you have a dispute then they will continue.

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/154693-1st-credit-connaught-bankruptcy.html

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/146718-urgent-1st-credit-bankruptcy.html

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/104409-bankruptcy-order-twice.html

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Right, all done. No signature, just printed name.

 

So, if we have entered into any correspondence with creditors and signed the letter then this might potentially be our downfall when trying to establish a valid credit agreement? We do have other creditors with whom we have stated that we are keen to settle the debt with and asked for their patience. We signed those letters so I guess they could stitch us up with their creative skills then?

 

Cheers again.

 

Thanks also to 42man. Very interesting.

Edited by toughtimes
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I keep seeing 12+2 mentioned with regards to waiting times for a response. I gather that it is 12 working days from date sent but what does the 2 relate to?

 

hi...tt

 

2 days for delivery by royal mail 1st class + 12 working days.

 

hope this helps

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Right, all done. No signature, just printed name.

 

So, if we have entered into any correspondence with creditors and signed the letter then this might potentially be our downfall when trying to establish a valid credit agreement? We do have other creditors with whom we have stated that we are keen to settle the debt with and asked for their patience. We signed those letters so I guess they could stitch us up with their creative skills then?

 

Cheers again.

 

Thanks also to 42man. Very interesting.

 

The chances of them doing a "blue peter" are slim, but not non existent....RBS and MBNA are famous for it, but nothing has yet been PROVED (i dont think).......some of the others may give it a go if they think they might get away with it....dont trust DCA's at all.

 

have a look at this thread especially the last 10 pages or so

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/11427-walton-rbos.html

 

ouch...........be careful

 

Also have a look at this

 

RBSSCAM.jpg

 

Dave

Edited by davefirewalker

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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This is quite unbelievable. Just looking through the thread now but that document you have linked is practically giving the lenders a blank canvas to cover their backsides.

 

yeah.....worrying isnt it

 

What else will they get up to. ??????

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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I have received acknowledgement of my request and because they are working on behalf of the original creditor they have forwarded the request on to the creditor. They said that it will take longer than the initial timescales mentioned on my letter. Is this ok and if so how long do I give them?

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you have to give them as long as it takes........unfortunately.......it used to be that after a further 30 days they had committed an offence.

 

on the plus side is that once they have gone over the 12 working days they cant enforce the debt until they supply the agreement.

 

so you could if you wished to, stop paying !!

 

rgds

 

Dave

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** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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