Jump to content


  • Tweets

  • Posts

    • 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.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Im in a mess advise please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5432 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

or you can send them:

 

Dear Sirs,

RE Account NO XXXXXXXX

Thank you for your letter dated xx/xx/2008 the contents of which are noted

In your letter you make reference to requiring my signed authorisation before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S78 request.

If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.

However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

My request for a true copy of my credit agreement under section 77/78 was made on xx/xx/2007 and the 12 working days for your compliance expire on xx/xx/2007. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

i look forward to receiving the documentation requested

Regards

 

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

  • Replies 137
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Ida

 

Thats exacatly what I was looking for, great letter I will send it off today as im not happy about signing anything, isnt this why we dont sign the CCA letters we send to them? Seems a bit dodgy to me.

Thanks again will let you know what they reply, im sure they wont take that lying down.

 

;)

Link to post
Share on other sites

Hi there

 

An update from me, the phone calls have stopped have not had any for 2 days now, I sent off the letter that ada posted so thanks for that, I posted it on 8/6, this morning i got a letter from them saying that if i dont contact them or pay my arrers then they are slapping me with a defult and will cost me £50 for the pleasure.

What shall i do? they know they cant produce a CCA and i have told them they cannot put anything on my credit file until they produce one... feel like i winning a losing battle with this one. I know alot of these are threats but i really dont want a defult on my file if i can help it especially as they are the ones in the wrong with not having a CCA for me.

 

Thanks

Link to post
Share on other sites

unfortunately this is how they work,

 

there are several ways to go about it,

 

you can send the account in dispute letter:

 

Account In Dispute

Ref:

Dear Sir/Madam

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.(12+2 days after you sent the CCA request)

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

Furthermore

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

This limit has expired

As you are no doubt aware section 77(6) states:

If the creditor fails to comply with Subsection (1)

(a) He is not entitled , while the default continues, to enforce the agreement.

Therefore this account has become unenforceable at law.

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

Should you not respond within 14 days I expect that this means you agree to remove all such data.

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

Yours faithfully,

 

 

 

another option is if you really want to find out if there is an agreement:

 

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

 

and the cagger who has use the above link:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/165349-smt37-morgan-stanley-goldfish.html

 

if they do place a default this may help:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/111211-defaults-background-removal-methods.html

 

it depends on what feels right for you.

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hi

 

The plot thickens, I got a letter today from them to say that they have reviewed my complaint and after reviewing it they still hold me responsable for the debt and even though they do not have my origanal CCA they have sent me the latest version and they have also sent me statements and this as far as they are concerned is enough. They said i obviously reconise the debt as i have been writting to them and replying to the letters they have sent and i have been paying them every month for god knows how many years.

 

They have said i will no longer get any phone calls but they expenct me to pay up, and this is the last i will hear from them basically they are washing there hands with me and they will no longer reply to any of my letters and if i dont pay up i will still incure charges and interest and they will still add information to my credit file.

 

The debt is such a small amount but out of princaple i dont want to give up. What do i do now, if i send them another letter will they just ignor it and keep adding charges to my account? Would they even dare add a defult to my credit file or take me to court would they have a leg to stand on.... im feeling a bit stressed out about this one i though out of all of them being the smallest debt it would be the easiest but its the worst one. :(

Thanks

Link to post
Share on other sites

Hi,

They won't take you to court without a valid CCA but they will trash your credit file and with the "blessing" of the Information Commissioners.

 

As far as I see, the only way to stop them is to sue them.

They need your signature to process data but the ICO say that because you have been paying for X amount of time, then you must have given permission at some time.

A judge would look at it and without a CCA i think he (or she) would find in your favour

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

depends on what you want to do.

 

are you worried about your CF? if you are then you may want to go the CPR route above and follow it through.

 

the last letter i would keep safe as they admit they do not have a cca and on this basis if they do demand payment then a complaint to the OFT and TS wonlt go amiss.

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Ok yes i did read through this and to be honest i dont feel like i can cope with going down that route, looks like i may have to give in as all they will end up doing is trashing my CF which i can handle but whats the point if they are going to keep charging me my debt will end up doubling.

 

Thanks for all your help with this one ida.

 

x

Link to post
Share on other sites

  • 4 weeks later...

Hi

Please read....

Can someone help please? I have an ongoing dispute with one of my creditors, they do not have a valide CCA for me but after months of letter writting to letting them know i wont be paying any more money to then until they can produce one, they keep charging me each month and my husband just got back from the school run and noticed they have hand posted a letter through the door to say they have knocked to discuss my account...:eek: can they do this? I have not even had a letter to say they were calling round. Is there not a law to stop this? what if they come again can i tell them where to go and can i write to them to tell them they are breaking the law by knocking on my front door, its lucky my husband was out as he is going mad.

 

Thanks

Link to post
Share on other sites

Hi

Please read....

Can someone help please? I have an ongoing dispute with one of my creditors, they do not have a valide CCA for me but after months of letter writting to letting them know i wont be paying any more money to then until they can produce one, they keep charging me each month and my husband just got back from the school run and noticed they have hand posted a letter through the door to say they have knocked to discuss my account...:eek: can they do this? I have not even had a letter to say they were calling round. Is there not a law to stop this? what if they come again can i tell them where to go and can i write to them to tell them they are breaking the law by knocking on my front door, its lucky my husband was out as he is going mad.

 

Thanks

 

Whos the DCA, and no they cant turn up, if they do tell them to get lost, have you send the account in dispute letter yet?

Link to post
Share on other sites

HI PGH7447

 

This account has not even got to the DCA yet, its HFC/Benificial who have turned up. I have sent every letter possible to tell them account is in dispute, and it went to the complaints dept they sent a letter back to say the are not going forward with my complaint as, as far as they can see i have a relationship with the bank because I have been paying the load for so many years.

I will say out of all my creditors this is the smallest debt and they have been the worst to deal with :(

Thanks

Link to post
Share on other sites

Hi Sam sorry but im being really stupid, when i click on the second link it does take me to the letter templates but when i sign in it takes me right back to the begining, would you be able to post the link for the letter :D

Link to post
Share on other sites

Have you got a camcorder? Get the news paper daily and keep it by your front door along with the charged camcorder. Next time they turn up open the door with the camcorder in hand and film the newspaper front cover and then film them, which they will not like.

 

The newspaper is to confirm it had to be that date or later, in case they say it was before they got warned off - you couldn't have todays newspaper 2 weeks ago!

 

Don't speak with them other than to tell them they are univited and thus are trespassing and you want them to leave immediately or you will call the police. If they don't leave, call the police.

Link to post
Share on other sites

Hi WG, I dont have a camcorder but it will be the person who looks after my children that will get them at the door next time, and what is really annoying is they posted this letter through without sealing it.

 

If i send them a letter on monday telling them under no circumstances should they come to my door or i will report them for tresspassing, will they take notice of it? do they even care? how many times will they come knocking before they back off. At the end of the day they do not have an enforcable agreement for me, so im not paying another penny.. if they take me to court will they laugh them out fo court or will the court go with them because they can see that over the years i have been paying..

 

I have read up on the HFC forum and they seem to be the worst at ignoring letters etc... Once i have stopped them coming to my door i will complain to the OFT.

 

Thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...