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    • I think my post is too long so I've split it ino two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I think my post is too long so I've split it into two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good.
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further. It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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Chalkitup v MBNA Loan / Equidebt


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Hello All,

 

As some of you know by following my Chalkitup v DCA's thread I have been in a DMP (debt management plan) with CCCS for quite a time now.

All was going well until a few creditors decided in their wisdom that they should involve DCAs. This thread and others which I will soon start for each individual creditor will reveal the up to date happenings.

 

So here we go ..... MBNA (Loan) / Equidebt

 

Was going quite nicely with MBNA in DMP ... then late 2008 MBNA decide to change things.

 

Nov 2008 ..... MBNA send me letter .... We will write off as bad debt and you will be liable for balance or refer account to DCA.

 

Dec 2008 .... receive Default Notice dated 03/12/08 and I am given to 19/12/08 to remedy by paying arrears. Sent by 2nd class post ... I have the envelope.

 

20/12/2008 ..... receive Closing Statement from MBNA dated 17/12/08 and saying account has now been sold to a third party and MBNA are no longer dealing with this account. Arrears shown are approx half the amount of arrears shown in Default Notice received two weeks earlier??

 

22/12/2008 .... receive letter from MBNA dated 16/12/08 confirming outstanding balance has been sold to Equidebt.

 

Am I correct in saying MBNA should not have sold the account until after the 19/12/08 which was the Default Notice remedy date?

 

Onwards and Upwards

 

Chalkitup

 

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http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/200901-anatomy-default-notice.html

 

can you post up the DN, with the dates you have certainly makes it invalid and well done keeping the envelope ;)

 

20/12/2008 i take this as your termination notice?

 

ida x

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Hello Chalkitup!

 

Many thanks for the PM.

 

I think play the waiting game now, and while waiting, send MBNA another SAR just to get all that you can on them.

 

Wait for EquiDebt to appear for their first Toot, and hit them with a s78(1) Request and the usual No Harassment, No Trespass, No Visitors, No Calling, Keep It In Writing letter.

 

Wait a little while longer, then SAR EquiDebt as well, to get a peek at things from their side.

 

Then let battle commence if EquiDebt want to push the issue, or see if they run away to go bother someone else that is a softer target.

 

Complain about MBNA anyway, as I suspect they have made a few mistakes. The SAR may help you to spot most of them. Let the world and his dog know what they have done, if only to give yourself some satisfaction that you are hitting back.

 

Not much more to add at the moment, as we'll just have to see where this one goes.

 

Hope you are getting better now, do not let this lot grind you down.

 

Cheers,

BRW

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Hello IdaInFife,

 

Thanks for your reply .... the link was very helpful and now copied to my database.

The letter I received from MBNA on 20/12/08 and dated 17/12/08 is just entitled Closing Statement and lists the last seven transactions plus says account has been sold. No mention at all of termination.

Infact on now looking at the small print it actually says "You can settle this agreement at any time by giving us notice in writing and paying off the amount you owe" ??

 

Hello BRW,

 

Thanks for looking in .... I have read the posts you suggested in your PM and it has got me back on track .... I think!

I will send SAR to MBNA ...... have not actually done that yet on this loan account ..... Just a thought but I also have a credit card with MBNA which is of course also in my DMP (and now in dispute) ....... can I demand all details for both the MBNA loan and MBNA credit card under the one £10 SAR as I did with my two Nat West bank accounts?

Funnily enough .... I am at present waiting the reply to my recent CCA request to Equidebt. I have read the riot act to them regarding phone calls ... which have ceased ..... and as soon as I have their CCA reply or their time limit is up I will send the normal In Dispute letter adding all the no callers etc etc stuff.

 

Thank you once again both,

 

Onwards and Upwards

 

Chalkitup

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Hello C!

 

can I demand all details for both the MBNA loan and MBNA credit card under the one £10
Yes, indeed.

 

It's a Data Subject Access Request, and you are the Data Subject.

 

So, the request is never Account specific, they have to send you everything they have that relates to you as the Data Subject.

 

However, send them a long list of anything you do specifically want, just to make sure they don't accidentally overlook something tasty!

 

I'd ask for everything, including the kitchen sink...if it has your name on it, or that can be linked to you in any way.

 

HTH

 

Cheers,

BRW

Edited by banker_rhymes_with
Tripe-O and Clarity.
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Hello BRW,

 

I checked the figures today and found the following ........

 

08/2008 received letter from MBNA saying £xx in arrears

 

10/2008 received arrears notice from MBNA saying £xx in arrears - same figure as 08/2008

 

12/2008 received DN from MBNA saying £xxx in arrears ... this figure is 59.4% more than previous arrears figure I was given

 

12/2008 received closing statement from MBNA saying £xx in arrears - same figure as 08/2008 and 10/2008

 

12/2008 received another arrears notice from MBNA saying £xx in arrears - same figure as 08/2008 and 10/2008 and closing statement 12/2008!!!!

 

So everything shows arrears as the low figure except the DN which is 59.41% higher arrears figure

 

Surely that will be in my favour.

 

Onwards and Upwards

 

Chalkitup

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hello Chalkitup im subbing if i may please

 

wishing you luck on this mad journey take care for now 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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Hello angel_1,

 

Welcome aboard what will probably turn into another Chalkitup v MBNA epic.

 

Hello supasnooper,

 

Thank you for that info .... I am waiting till next week to send the SAR as I want to familiarise myself with my other MBNA CC account .... just need to read it all through again and list the things I require them to send me ... basically everything!! I will add MBNA Communication Log ( or MBNA Customer Information System printout ) for both accounts.

 

Onwards and Upwards

 

Chalkitup

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  • 5 months later...

Hello All,

 

I waited five months and have received a totally unreadable piece of paper that is meant to be an agreement .... so I telephoned CCCS to with hold my monthly payment to this creditor and it has resulted in CCCS wanting rid of me .........

 

See here.....

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245247-cccs-closing-dmp-re.html

 

Onwards and Upwards

 

Chalkitup

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  • 4 months later...

Update ...

 

HOLD THE PRESS ...... It is official from Equidebt ...... Chalkitup is boring!!!:D

They put in their letter to me "We are not prepared to enter into prolix correspondence". He He .... My letter was obviously replied to by the Equidebt worker who listened at school ...... for any other DCA employees reading this thread ...... the Cambridge Advanced Learner's Dictionary defintion of prolix is .... "using too many words and therefore boring or difficult to read or listen to"

 

Anyway .... After a few (BORING) letters between Equidebt and myself they have finally come up with an A4 size agreement instead of the reduced size one they kept sending. But still very hard to read unless I use a high powered magnifying glass.

 

But MBNA have goofed on this account anyway by selling the outstanding balance to Equidebt six days before the DN stated. (See previous posts).

 

Am I correct in saying the fact the DN has a 59.41% higher arrears figure than all the statements etc MBNA sent me (see Post 7) will be another nail in their coffin?

 

At present I am awaiting an answer to a (boring) complaints letter I sent to MBNA .... after they (MBNA) answered my previous complaints letter that I sent to Equidebt!!!

 

What should my next move be please ...... do I write another immensely interesting and adventurous :D letter to Equidebt or do I send a letter accepting unlawful repudiation to MBNA regarding the DN received in 2008 ...... or is it too late for that plus the fact I kept paying in a DMP after receiving DN because at the time I did not realise it was incorrect.

 

I have not sent SAR to either yet as I was waiting to see what Equidebt sent to me in reply to CCA request. Equidebt now say complaint finalised and want paying!!

 

Thanks

 

Onwards and Upwards

 

The Very Boring Chalkitup

Edited by Chalkitup
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Account was sold after a faulty DN. So legally you are only liable for the arrears that were due at the time. Is this not unlawful recission, I am sure someone more knowledgeable will confirm this.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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