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    • do a chargeback to your bank if temu want it back then they'll write and ask for it. 9/10 they dont bother. dx
    • No reminders are required by law. As a result of that, whether the police say they sent one or not, whether they actually did so or not and whether you received it or not has no bearing on the matter whatsoever.  I have explained what to do in the third paragraph of my post #22. You don't need to do any more than that. The most likely outcome is that your offer (to plead guilty to speeding if the FtP charge is dropped) will be accepted by the prosecutor. What happens next is for the court to decide. This "deal" is done every day in courts up and down the land and all court users (prosecutors, Magistrates and their legal advisors) are familiar with it.  Although I said you could not ask to be sentenced at the fixed penalty level, that was incorrect. There is nothing to stop you asking (and if you do, you should mention it under "Mitigation" when you fill in your return). You can mention the circumstances you were in when you returned the request for driver's details and suggest that is why the error with the stamp may have occurred.  My feeling, however, is that your request will be denied. If it is, you will face sentencing under the normal guidelines. These suggest a fine of half a week's net income (reduced by a third for your guilty plea.- so one third of a week's income). You will also be ordered to pay a "Victim Surcharge" of 40% of the fine and prosecution costs of around £90. You will also have three points imposed on your driving record. You may be lucky and encounter a kindly Magistrate who settles on the fixed penalty equivalent or you may see something in between (with perhaps the prosecution costs left off). But the worst case is as in the previous paragraph. There's no need to fret too much over this. The important thing is to make sure you plead not guilty to both charges and make it absolutely clear that you will plead guilty to speeding only if the other charge is dropped.
    • The problem that I'm having is with Temu. I ordered a cat tree (£152.98) that I want to send back as it's too small for them/not as advertised/flimsy. I would never have paid that amount if I'd known what poor quality/ how small it was. I have contacted Temu about this numerous times, they did get back to me once but they didn't actually help me with their response. I tried to get in touch again but the emails only ran one way so I couldn't get back to them and tell them that they haven't answered me correctly on how to get the cat tree sent back to them. I have attached the emails correspondence into this post. Thank you in advance for the help and support.    Temu email.pdf
    • Stu007. Many thanks for your reply. They have supplied all the necessary documents so it looks like everything is above board.  Many thanks for the link, once again everything seems above board.  I have received a second claim form today as it says the one they sent me did not refer to my tenancy. Ill look at the details later   I have filled out the defence form, took pics, i will redact it later and post the pdf.  
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Lloyds TSB ccj


lafey
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no problem . to update .... filed defence ... court sent it to lloyds and they have 28 days to respond or case gets "stayed" .. think they have about 12 days left ... fingers crossed !!!

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  • 3 weeks later...

Just an update .. We had a letter from the court date 26th March ( we received it next day ) acknowledging our defence and saying they were sending copy to other side who then have 28 days to decide if they want to continue or the case will be stayed . Have heard nothing since . my wife is away this week visiting a friend so i will get her to call the court on her return . Have had a look at the claim on the website and the last entry is ..... Defence received and processed 26th march 2009 . Even allowing for postage i think they may have run out of time . Also have not received any reply from my subjest access request over a month ago ..... I think some may have more experience than me on these matters so in your opinion have they backed down ??????

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i will check recorded delivery details but reckon we over 40 days already ... on the rest of it ... now the 28 days are over i understand it wont be easy for them to re start the claim ???

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  • 2 weeks later...

Well the good news didnt last long !!!! Looks like the courts have been very fluid with the time they allowed lloyds to respond so have now received an AQ . I will ask for more advice on this and possible defence when i have had a look at the statements i have received today but one point i was hoping some one would know for now ..................

 

If a DN was sent to an address that the creditor knew was wrong would that invalidate it and how would that affect any court proceedings ???

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Can I just clarify a few points:-

1. Is it the case that there are account charges and potentially a defective Defective Default Notice.

If there are it is likely that you have a total defence to the claim.

 

I was reading the thread and it seemed to suggest that the OP has made a partial admission - can you post the defence please - is the claim £5000 or more

 

Can you post copies of any Default notices and indeed copies of any documents and witness statements you've received from the other side.

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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If a DN was sent to an address that the creditor knew was wrong would that invalidate it and how would that affect any court proceedings ???

 

The short answer is yes - there are also lots of technical rules as to the service and form of a DN - we need to see the DN - if the DN is invalid it should give a defence to the claim

Edited by I've got no money

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Thread moved to Legal Issues forum.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for your reply IGNM . Basically have received a copy application form which i am sure is not enforceable ( will try to post later but is extremely bad copy ) and some statements going back to 2002 ( account ran from 1995 but they say that is all they have !! ) . They said they could not produce DN as they did not keep copy but have detailed the address they have sent it to and on what date and the fact that they consider it served . The address they have given for this is not the address we are living at and in the pack of statements they sent there is one dated for an earlier date sent to the correct address .... so on one day they send statement to correct address and on the next day they send DN to incorrect address . I do not have a copy of it to post as didnt receive it . any thoughts ???

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Thanks babybear . I can see what you mean .. i just thought they had made a mistake .... i will do as you suggest .... In the meantime can it form part of my defence ... AQ doesnt have to be back till 27th may so will have a work on it this weekend ... just wondering if it is something we could use in court .... the fact that they knowingly sent it to wrong address ???

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Without seeing the docs its' a bit difficult - so you do have a DN but it's dated earlier than the one that they're relying on.

 

You need to post the info - without seeing it I can't say much other than it sounds like you have a defence

 

I need to see your original defence

 

As to how you post the stuff you can either upload it to CAG by clicking the Go Advanced button and then if you look really carefully you can see a small paperclip - you click that and then you can upload anything that's on your computer - the other option is photobucket

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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IGNM .. I dont have a copy of the DN . Thats the problem ! . i might be explaining it wrong .... .... On 26/8/08 they sent statement to correct address ... On 27/8/08 they are saying sent DN to old address ( Hadnt lived there for a year ! ) .. Even though they must have had correct address to send statement out the day before !!!!!!

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I was thinking that .... and they cant just issue a new one to the new address can they .. or can they ???

 

No they can't the D/N appears to be fatally flawed so we need to amend the defence

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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thanks IGNM ... just to tell you what stage we at .. we put embarrassed holding defence in . thought LTSB had gone past their time to reply but as wife was away couldnt get her to phone court . The day after she gets back we get AQ ( Think court gave LTSB lots of leeway in time !! ) . Have to work this afternoon but when back will try and tackle AQ ( Think i will be asking for some more help !!! ) . Same day received letter in response to our CPR request with copy of old application form ( will post it later ) and statements going back to 2002 ( the only thing on them is interest rasing total from about 5k to about 9k !! ) .

 

In letter from their solicitors they say they do not have copy of DN but tell me they have sent it ( to wrong address ) and consider it served .

 

Oh ... and they invited me to withdraw my defence and send them repayment proposals !!!!!!!

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thanks IGNM ... just to tell you what stage we at .. we put embarrassed holding defence in . thought LTSB had gone past their time to reply but as wife was away couldnt get her to phone court . The day after she gets back we get AQ ( Think court gave LTSB lots of leeway in time !! ) . Have to work this afternoon but when back will try and tackle AQ ( Think i will be asking for some more help !!! ) . Same day received letter in response to our CPR request with copy of old application form ( will post it later ) and statements going back to 2002 ( the only thing on them is interest rasing total from about 5k to about 9k !! ) .

 

In letter from their solicitors they say they do not have copy of DN but tell me they have sent it ( to wrong address ) and consider it served .

 

Oh ... and they invited me to withdraw my defence and send them repayment proposals !!!!!!!

 

We need to do an amended defence - just so that I'm clear have you admitted any of the alleged debt

 

Once we've seen the docs we can crack on with an amended defence

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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