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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
    • Thank you for that, I have obviously already been convicted so I think the appeal lodged is for the previous offence? Sorry if that doesn’t make sense. I suppose my only concern is that weds I go there and they don’t let a stat dec happen. If they do then as you say and solicitor says it’s highly likely I’ll be happy with the outcome. But I’m being told there’s no guarantee for the stat dec to be hard Weds as that’s not what the hearing is proposed for. Solicitor has stated that you can put a stat dec before a magistrates at any time so it shouldn’t be a problem.   
    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
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      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.

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Direct debit arrears - whose responsibility?


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Hi guys - I hope you can help me.

 

I got some books from BCA book club last year in September that I could pay up by direct debit. One set was to be £4.99 for 8 months and the other set £5.99 for 9 months. I filled out the direct debit mandates when I ordered and I received the books within 2 weeks.

 

BCA didn't take the first direct debit of £4.99 until December and the £5.99 set until March. I keep getting emails and letters telling me that I'm in arrears but I have a letter from BCA saying that they'll take £5.99 from March to November so the delay is due to them not taking the debits. I can't find the letter relating to the first set.

 

I've now received notification threatening to refer the arrears to a debt collection agency and add £15 to the £27 they say I owe them. I've spoken to them on the phone four times and contacted them online but I'm still getting nowhere. It's one of those Indian call centres and they just don't seem to understand what I'm trying to tell them, which is that direct debit is BCA's responsibility and if they didn't start taking them for a few months then I can't be in arrears.

 

Am I wrong? Is my account in arrears even though they failed to start taking the direct debits?

 

Thanks in advance for your help,

Ally

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I recently went to the FOS with a similar thing and they sided with the company - they said that I should ahve checked the statements and my bank account and noticed that the money wasn't going out :(

Poppynurse :)

 

If my comments have been helpful please click my scales!!!!

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This is one of the other downsides of Direct Debit they do not tell you about. IT DOES NOT MATTER if you have given authority, and they do not take hte payment - the responsibility to pay ALWAYS remains with the customer - end of story - there is no mitigation possible, if they do not take the money, you have to find some other way of remitting.

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Thanks folks. Not what I wanted to hear, but it does clarify things for me.

 

I'm reluctant to pay the arrears since they've written to say they'll be taking direct debits until November which would mean that I'll end up paying too much if I don't cancel the direct debits on time. :-x

 

Needless to say I wouldn't recommend getting books on the direct debit scheme with BCA.

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Actually, BCA are not to be recommended with any DD, as they have been coming down hard on folk to have missed returning their 'Editor's Choice Rejection' slip by hours... - sending the book then taking the money. All legal - but giving access to ANY company is simply asking for trouble. If you cancel the DD you may have the hassle of sending them a cheque to pay for the purchases you agreed to, but that's nothing to having to chase getting your money back once they have it!

 

Also, their Book of the Month style of trading doesn;t make it easily known that their month is only 4 weeks long, which means you can never pay on the same date each month as it always creeps forward - this way, tey can squeeze 13 books into a year!

 

NALOPKT :)

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I'll be cancelling my account with them once I've paid off the books anyway. I don't want to deal with them again. I've had dealings with their Editor's Choice tactics in the past but it's possible to cancel the automatic issue of the Editor's Choice which I did as soon as I found out I could.

 

Shame their books can be such good value though ...

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DDs have advantages but also downfalls as illustrated here. But if you have online banking why bother with DDs at all? All you have to do is say ,once a week, log on are sort your bills out by direct payment, it is under your control then, you can check what has been paid in case something has been missed.

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