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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.
    • Looks similar to you original email to their Complaints team. I dont rate copypasta for a CEO complaint. Rewrite it with emotion involved as to how badly this is affecting you and make them feel embarrassed for their actions... 
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    • We have finally managed to obtain the transcript of this case.

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Restons/MBNA Issued Court Claim **ROUND ONE TO SF**


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Great news sunflower,really pleased for you and one in the eye for restons.

Keep us upto date with progress.

 

Got me thinking how far restons and optima etc would actually push a case if they knew they weren't being faced with a lip and actually had to deal with a trained barrister.

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I atually in the end found a very good CFA solictor! and they sorted my case out got me a first class barrister expert on the consumer credit act ! and gave Restons a great deal of grief in court! :D:D:D

 

 

SF would you mind supplying me with the details of the CFA solicitor? Would be greatly appreciated. MB

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Fabulous news SF...am so pleased for you hun!! :D
Hi Welshmam

Thanks for your congratulations!Thanks also for your moral support and being there for me since MBNA battle turning legal! plus your kind pms!:)i You helped keep me sane and hope things go well in your battles too,It must have been a shock for Restons when they got me to AQ stage thinking that as a LIP not being legally trained and not having a grand job just being an ordinary shop assistant and giving no indication up to then that i would be involving soliciters they were proabably rubbing their hands together thinking i would be easy prey and get their hands easily on our house as i am sure they want to get their grubby mits on it!and one of the reason they decided to go for me:mad:well they not going to get their hands on our hosue without a fight! They are acting like bullies picking on people who they perceive to be weaker and easier prey!i wonder if the Judge realised that too!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Great news sunflower,really pleased for you and one in the eye for restons.

Keep us upto date with progress.

 

Got me thinking how far restons and optima etc would actually push a case if they knew they weren't being faced with a lip and actually had to deal with a trained barrister.

Hi Blueotter !

Thanks for your moral support too,It is great we all standing up to these bullies together!:)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Well done SF very happy for you:D

Hi Dorabell

Thanks and hope you see of your ones too.:)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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you will need to pm sunflower- not allowed to advertise the names in open forum

Hi Mebroke and Didydickey

Diddeydickey is right,Sorry.

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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hello sunflower.....woooooooooooooooowwwwwwwwww

 

and thanks for the welcome back from all my friends here too have missed you all tooooooooo

 

fab and like i said earlier you deserve this victory as we became freinds early on with our journeys, it just shows cag is much more than a forum but a place of sincere help and mutual encouragement - wish the world out there could take a leaf out of our friendships here

 

anyway im back - and thus i continue with all my battles too

 

so keep happy and will catch up with you laters okay?

 

have a sunny day everyone angel x:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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OHM sunnyflower, you have been so worried, I believe i started my MBNA just before you,, nov last year, cant believe they came after you so quickly... You have showd amazing strength and resource to continue without bottling out, I know you have a heap of problems with health at home and worries, you have made my smile today and feel very emotianal as i believe that with the help of other people on here and I know you have had some help from the aforementioned you can win. You dont have to be a solicitor or a barrister just pull together with knowledge and support. I hope your still with me when my mbna case 1 hits the fan.

Lost you somewhere with the solicitor as didnt think you had instructed anyone? thinking it may have been duty sol in court or poss someone helped you from cag. whatever its given you confidence to see it through. xx muffintop

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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OHM sunnyflower, you have been so worried, I believe i started my MBNA just before you,, nov last year, cant believe they came after you so quickly... You have showd amazing strength and resource to continue without bottling out, I know you have a heap of problems with health at home and worries, you have made my smile today and feel very emotianal as i believe that with the help of other people on here and I know you have had some help from the aforementioned you can win. You dont have to be a solicitor or a barrister just pull together with knowledge and support. I hope your still with me when my mbna case 1 hits the fan.

Lost you somewhere with the solicitor as didnt think you had instructed anyone? thinking it may have been duty sol in court or poss someone helped you from cag. whatever its given you confidence to see it through. xx muffintop

 

Me too muffintop, I sent all my OC's a letter of hardship with I&E support on 09 Sep 2008:) Shall we just keep on keeping on :)

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Hello Sunflower,

 

What brilliant news, well done

 

One in the eye for Restons ~Bullies YeaHHHHHHHH!!!!!!!!!:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello Sunflower,

 

What brilliant news, well done

 

One in the eye for Restons ~Bullies YeaHHHHHHHH!!!!!!!!!:D

Hi Hellhasnofury!

Yes it was great! :D:D Nice to see you back on thread I have missed you!

Thanks again for all your friendship and support,You were one of the first people to give me some hope that i could beat MBNA!:) and if it were not for you i may not have had courage to do battle with MBNA:) so many thanks :)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Welshmam

thinking that as a LIP not being legally trained and not having a grand job just being an ordinary shop assistant and giving no indication up to then that i would be involving soliciters they were proabably rubbing their hands together thinking i would be easy prey

 

There's nothing ordinary about you SF!! ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Geee! Thanks Welshmam:) Though i now just discovered after all this time of being a cagger how to do a signature! and put that description in there! LOL

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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thinking that as a LIP not being legally trained and not having a grand job just being an ordinary shop assistant and giving no indication up to then that i would be involving soliciters they were proabably rubbing their hands together thinking i would be easy prey

 

I wouldn't call you that, (within slapping distance):eek::eek::eek:

 

Seems to me the arrogance of Restons is such they think they can walk on water.

 

Really is excellent when they get a 'bootie':lol::lol::lol:

 

David

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I wouldn't call you that, (within slapping distance):eek::eek::eek:

 

Seems to me the arrogance of Restons is such they think they can walk on water.

 

Really is excellent when they get a 'bootie':lol::lol::lol:

 

David

Hi David

Yes i keep thinking of what that Restons staff faces must have looked when they got first call from my soliciter ! LOL I bet he looked rather Wild! :D:D:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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hiya sunflower

 

really lovely to read how happy you are at this moment, and all that stress and worry you have gone through, keep going though ok?

 

remember you have come a long way keep positive

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya sunflower

 

really lovely to read how happy you are at this moment, and all that stress and worry you have gone through, keep going though ok?

 

remember you have come a long way keep positive

 

laters angel x

HI Angel

Thanks for all your advice and makeing me feel so welcome on cag when i first joined as a very nervous newbie.:) You are another person who encouraged me to fight back against MBNA

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Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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I am sure you will all be pleased to hear that Gazza has just won another round with MBNA :D

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Sunflower,

 

I remember when you first came on this board. You've come such a long way since then. Well done - brilliant result.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Sunflower,

 

I remember when you first came on this board. You've come such a long way since then. Well done - brilliant result.

 

Regards.

 

Fred

Hi Fred!

Thankyou! Yes it is great though i still not got through round two yet!but at least it looking hopeful,Thanks for giving me the courage to battle with MBNA,:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Sunflower:D Still subbing, keep on keeping on :D

Will do AA99:D:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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