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    • 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. When you get there you can 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 meaning you will have to approach "specialist" (aka extortionate) brokers. So you really want to exhaust every possibility of avoiding MS90s 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 
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    • 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.  
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IF/Halifax - Received Default Notice Today and Want Paying By 20th!


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Hi,

 

Have just received a default notice today in the post demanding payment of the overdue amounts by 20th May. The date on the letter was 6th May and it was only delivered today? Have retained the envelope and there is no post mark on it.

 

I had only just started going through the process of CCA etc and they had responded with no agreement and the most recent T&C's

 

1. This leaves me no time to respond to them before the default date is due. What would you suggest I do

 

Cheers,

 

BB

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Was the default Notice issued under section 87 Consumer Credit Act 1974 ?

 

If so, please can you post the dates on the notice.

 

However, under the latest OFT guidelines, creditors are now being advised to make debtors aware of their repayment responsibilities.

One of the ways of doing this is to send a letter stating the debtor is in default for non payment of the monthly amount due.

 

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I forgot to add that my main issue is that in receiving it two days before the deadline, it does not allow me to respond withing a timely fashion.

 

With no postmark on the envelope as it RM Walksort or the like the only thing on the enevelope is a code of numbers and a bar code. Who's to say that the letter was sent on or around 6th May.

 

Due to me being heavily pregnant and getting ready for the impending arrival, I had not been keeping on top of this as I had hoped in that my next step would have been to SAR them as they hadn't even sent a copy of the application and I don't feel that they have anything on file at all.

 

Cheers,

 

BB

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Congrats on the impending new addition to the BB family.

 

Just to check - does it state that the Default Notice is issued under s87 ?

 

If it does, Keep the DN and the envelope somewhere very safe.

 

Have a read of this thread for a feast of info on defective Default Notices ( Courtesy of B_R_W) -

http://www.consumeractiongroup.co.uk/forum/show-post/post-2166205.html

 

 

 

 

Jus

 

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Hi Guys,

 

The creditor is IF/Halifax and yes it does say it is served under Section 87(1) of teh CCA 1974.

 

I had a quick scan of your link Jus and it kind of makes sense but doesn't - hormones!!

 

In baby speak, what is the best/next thing to do? They do not have a CCA, the only sent the current t&C's with my details on the top.

 

The envelope has been fished out of the bin with the addition of bake bean smears. If I contact the RM and give them the code will they be able to tell me when it was posted and why it only got to me today?

 

BB (aka Big Bump)

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Hi, I fascinated as to why the envelope is so important!!

 

Here is the link and please feel free to PM me with the reasoning, thinking and legal argument behind it if you feel we may be giving the snoopers an upper hand!

 

http://i47.photobucket.com/albums/f181/BelstarBomb/IFEnvelope0001.gif

 

http://i47.photobucket.com/albums/f181/BelstarBomb/IFEnvelope0002.gif

 

Let me know if it prompts you for the password as the album is private and I don't know if this option does away with that.

BB

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Sorry I've only just stopped laughing from hearing the obvious contempt in your voice!:D

 

I used the term walksort off my own back as I knoew it wasn't franked or stamped and that was the only phrase I could think of at the time.

 

What is down stream access and why exactly is the notice crap?

 

Again, feel free to PM if needed.

 

A chuckling BB!

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Hi Supasnooper,

 

It was under the CCA 1974.

 

The default was dated 6th May requesting payment of the arrears by 20th May and the postman delivered it today.

 

Thanks,

 

BB

 

BB, one reason the DN is defective (irrespective of the manner in which it was posted to you, and the length of time it has taken to arrive), is in those dates. The date they give you must be a date at least 14 days from the date of service, which is defined as the date of posting plus 2 days if they choose to use first class post.

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Thanks Iain,

 

I am waiting for the termination notice to come through then I have a rather nice letter already printed and ready to go to them and what you state is part of that letter.

 

Thanks for that and the PM - greatly appreciated!

 

BB

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