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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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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.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Howtocomplain.com


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How to Complain

 

I come across this really cool site that allows you to make official complaints about all sorts of various public bodies etc...

There is also a section entitled "money & professional" - click on that & you see a section called "Debt management & credit repair services".

Take a look at some of the names mentioned in the list there that you can make official complaints about...the likes of Credit Solutions,Intrum Justitia & Moorcroft :)

It gives you a link to an online complaints form & 1 for trading standards as well.

Hope this site can be of use to you all.

Complain away ;)

Edited by mr.ton
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It seems like a really cool site this.:eek:

It effectivley does all the complaints for you online, you just have to fill in the specifics of everything & it will send your complaint to the relevant company or authority.

Ive made about 10 official complaints this morning already on all sorts of various topics :D

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I love seeing someone happy :D

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Brilliant site. Thanks. I now have it bookmarked as i know it will come in useful to me.

 

Will it be ok for me to post a link of Howtocomplain.com on the Brighthouse forum as i know it will be very useful to to the Caggers there? Let me know please Mr Ton. Thanks again.

:cool::cool: Blondmusic :cool::cool:
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Come on now my fellow caggers...you know you dont have to ask me, but thank you anyway - just go ahead & do as you please :p

Can i just mention...the list of DCA's on there only lists a select few (the ones i mentioned above) but if you type in the name of any DCA or company, it comes up in the search results with the chance to make your complaint etc...

I dont think i need to give Caggers any excuse to enjoy themselves with this ;)

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The good thing about this site as well is that you it gives you a list of choices as to what you would like to happen as a result of your complaint, like an official apology or financial compensation etc...

Needless to say i could do with a few extra bob at the moment :cool:

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Have had massive problems getting on to CAG tonight, so haven't been able to look at this. Am going to have a peek now, coz I think I may just have to complain about Brighthouse, Aktiv Kapital, Wescot and Lloyds TSB.......:D

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Thanks for that Mr Ton I will post it on the Brighthouse Forum now. I have been having problems with my computer not displaying web pages and that is why it has taken me so long to get back to you.

 

Thanks again. ;-);-);-)

:cool::cool: Blondmusic :cool::cool:
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Nope, its not just you. I have thanked you in BH thread - I would not have thought of posting there.

 

The howtocomplain website is fantastic - thanks mr ton :)

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Yeah i had a quick look there earlier. I just typed in Brighthouse and it came up. That's why i thought it would be useful in the Brighthouse forum.

 

By the way i have no problems with them anymore. I pay all my agreements on time now less than £15 per week since removing OSC. Thanks for all the advice you gave me I really appreciate it. These forums are fantastic. I have learned so much from these forums i am now trying to help others where i can.

 

Everyone in the UK should know about the Consumer Action Group so they can regain control. I am really glad i found this site as the advice is the best. Thanks to everyone.

:cool::cool: Blondmusic :cool::cool:
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Nice post BM :D CAG is a fantastic forum - without it, I would not have gained any of the confidence I have now to deal with DCA's and BH/

 

I am no longer a customer of theirs (thankfully) as I have taken my name off the agreements, handing them over to my ex-husband. They are still causing me grief though......all will be revealed on BH forum sometime this week.

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Clemma. I will be keeping an eye on the BH forum then. I will have rid of them soon enough. CAG has also given me the confidence to challenge several DCA's over debts i have been paying off for years. The information on here is invaluble. Companies exploit customers as they think we don't know the law. Thanks to CAG we are learning the law and fighting back 1 day at a time.

:cool::cool: Blondmusic :cool::cool:
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I had a threatogram from BuchananClark & Wells last week.

I just type their name into Howtocomplain.com & they came up...so a nice complaint will be winging their way in the morning along with a "get lost" message :)

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I had a threatogram from BuchananClark & Wells last week.

I just type their name into Howtocomplain.com & they came up...so a nice complaint will be winging their way in the morning along with a "get lost" message :)

 

:D:D

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You just gotta love the internet & the sites you find on it eh :D

In all seriousness though, i can imagine that as word of this site starts to get around, alot of very aggrieved & disgruntled people (through debt or anything else) will have a field day with this site & it will be their way of getting/or trying to get revenge so to speak :cool:

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