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    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
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Halifax Charge Of £21.85 For Visit-LOL.


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Following Halifax terminating my account in the middle of the 14 day period to remedy my default notice and on receiving a demand from their IH collectors,Albion,I wrote to them pointing out the errors of their ways and that I know consider the account to have a zero balance.

 

This letter to me from Halifax crossed in the post...

 

Our records show that you still haven't brought your account up to date. Even if I had wanted to,you've terminated the account!

We have not been able to contact you about this.Well you've written and phoned,doesn't that count?

An agent may call at your home so that we can discuss your account.Look forward to a chat-I'll get the tea & biscuits ready.

This will result in a fee of £21.85 being taken from your account.Mmm-that's the tea & biscuits off the menu then and not sure as to how you're going to take money off a terminated account unless you really mean that you'll take it off . If that's the case then with a few more visits the non existing account will have a credit balance!Whilst I put the kettle on for tea I'll ask my 'visitor' to point out in the T & C's where this £21.85 is mentioned.

To prevent this from happening,please phone us on 0845 300 0580 within 30 days. Looks like I've got at least 30 days of peace then!!

If you cannot make full payment now, we will try to agree a payment arrangement with you.:) Yeah,right.

 

 

 

 

 

 

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Have you asked them how they plan to compensate you for an unlawful recission of contract ?

 

I sent my letter pointing out the error of their ways by Special Delivery which they signed for yesterday so I'm awaiting to read what convoluted response they come up with before referring to the unlawful recission.

 

Terminating midway through the time allowed to remedy the default notice would seem to be a new avenue of of idiocy that Halifax are subscribing to as I read a thread by Summerbreeze yesterday where they have done the same thing.

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  • 1 month later...

The journey continues...

 

After several lengthy phone calls and a visit from Power To Connect---[i wonder if they will send me the bill of £21.85 for this:lol:??]--- I might be getting somewhere.

 

I phoned ''Customer Care' or whatever it's mis-named...

 

'We haven't terminated the account'

 

'Oh yes you have'

 

'We haven't'

 

'I'll read the letter to you then...'

 

I read it to them..

 

Silence.

 

'I'll have to place this matter with 'X' and he'll write and explain..'

 

'And will he address the letter I sent by SD 5 weeks ago?'

 

'Yes'

 

Just had another phone call.

 

'Now you've had a chance to read our letters..'

 

'What letters?'

 

'Let me check.............................................Oh!'

 

'Apologies as we've sent the copies of the letters [that I requested to be sent by Recorded delivery to replace those that I haven't received]

to the wrong post code-we'll send them again.'

 

The conversation continued in a friendly frame and I suggested that Halifax would have less problems if all of their staff dealt with customers in a civil and professional manner to which he had no alternative but to agree. saying he had been on the receiving end some years ago.

 

 

I await the letters..

 

Will they address the issues....?

Will they admit their errors.....?

Will it just be the usual drivel...?

Am I an ex-customer in their eyes...?

 

To be continued....

~

 

But in the meantime, perhaps [with tongue firmly in cheek]..

 

.... an undercover member of CAG has infiltrated into employment with Halifax and even as I type is sat at their desk in a windowless room sending out as many ineffective default notices with follow up unlawful termination letters as is possible to do in each working day?:D ----and then at the end of their shift,goes home each evening with a smile on their face,the epitome of a contented worker,pleased with their day's toil!

 

~

 

PS. When querying the 'lost' letters,I asked them to send me copies by email ..

 

'We can't do that'

 

'Why?'

 

'It's not considered to be a secure method of communication'

 

'But posting out my private details and business in a letter to the incorrect address is?

 

'Mmm'

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Sounds like they have been taking lessons from A&L as they did the same to me and are still trashing my credit file 2 years on.

 

I had the account has been terminated but when the CAB phoned them they said that it was still open but they had restricted my access!

 

I went to the FOS and got compo off them but it didn't solve the problem.

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An envelope was popped through my letterbox by the postman today.

 

 

I picked it up and saw that it had been sent by Halifax----ah,at last.

 

I took it through to the dining room,placed it on the table while I went to make a cup of tea as I wanted to relax and savour the moment.

 

Tea made,I settled down into my chair,slit open the envelope and prepared to digest the long awaited response.

 

I took a sip of my tea and then unfolded the letter all the while trying to guess what it contained..would they agree that they had made serious errors with the default notice,would they be putting up a fight or would the writer have ignored my complaints entirely and filled the page with cut and pasted rubbish----this was exciting!

 

~

 

~

 

~

 

~

 

Alas the letter was not about any of these things......

 

~

 

~

it was my monthly statement from June of this year!!!!!!!!!!!

 

WTF!!

 

What are these people on?

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An envelope was popped through my letterbox by the postman today.

 

 

it was my monthly statement from June of this year!!!!!!!!!!!

 

WTF!!

 

What are these people on?

 

Hi there,

 

They wanted your tea and biscuits to go down as smooth as possible..:D

 

DD:cool:

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  • 2 months later...

UPDATE

 

All quiet-no letters,no calls just monthly statements on this closed account for Dec. and Jan. adding on the £21.85 for the visit and £12 late fee and interest of course.

 

Received February's statement today and have a sum under payments and credits equivalent to the charge they made for the visit and one late fee.

 

I haven't contacted them about the charges they have made which means that someone must be monitoring the account to make this ''voluntary'' refund--strange!

 

As this refund/credit was for 'unlawful' charges it's a pity they didn't complete the exercise by also refunding the interest that they have been charging on these sums over the past few months!

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  • 2 weeks later...

ANOTHER UPDATE

 

Albion appear to have given up and passed this on to Halifax's in house ''Professional Debt Collection Agency'' as today I received communication from Blair,Oliver and Scott requesting payment of ''the balance owed by you''

 

''Our client requires payment of the full balance outstanding as soon as possible''

 

I have two dates in mind for this------

 

1] The twelth of never,

 

2]The third Sunday after the second blue moon.

 

Can others advise how this crew normally proceed please?

Edited by middenmess
Wrong name inserted
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  • 3 weeks later...

Another update.

 

I wrote again at the beginning of the month copying in the acceptance of their unlawful termination and again inviting them to send me details of the arrears owing at that point [less possible damages for the recission of course]

 

Sent by Special Delivery and I requested a response within 14 days.

 

The response came today from Blair and whatsit....

 

Formal notice ..instructed to commence legal proceedings!

 

s4hc8b64jf.jpg

 

 

 

Is this a standard Threatogram or does it require me to contact them and ask them WTF?

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If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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It will be interesting to see if they send me one as I have ignored their letters.

 

In the meantime, my complaint has been escalated to a senior colleague within Customer Relations for a final review. Then had another letter on an AA Credit Card letter heading!

 

They just have not got a clue!

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What a load of bull, before they can get a charging order you have to default on a ccj first funny how they do not mention that.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Greetings middenmess,

 

Yes I took some time out of cag as my wife and dog needed me more, but im back with a vengeance lol

:-)

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Update to my post#11 above

 

I wrote again at the beginning of the month copying in the acceptance of their unlawful termination and again inviting them to send me details of the arrears owing at that point [less possible damages for the recission of course]

 

Sent by Special Delivery and I requested a response within 14 days.

 

Received letter of response today---waffled on and then usual 'sorry can't uphold your complaint as we have never terminated your account etc.etc'

 

Couldn't be arsed to write again so phoned up the writer and got connected to the waffle writing department immediately!

 

Helpful lady asked what seems to be the problem--so I read from from the letter of termination..''We have terminated your credit account''

 

''What do you understand that to mean?'' I inquired.

''Um..we terminated your account?''

''At last we agree then--can you sort it out then?''

''Not from this department but I will immediately escalate it to Senior Management [of waffle,bluster and bullsiht I expect] which will be our final [as in final,final,final] response before referring it onto the Ombudsman.

 

So should receive a letter in a month or three with any luck.

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Well I have not sent the recission letter as yet .. maybe I should do so.

 

I am only bothered about my overdraft with Hx [ as they have lost my CCA and application form for my CC ]

 

Not sure if unlawful recission works for an overdraft as it must all be arrears anyway?? Please correct me if wrong on that .

 

But they still terminated the overdraft account before the remedy date on the DN so not sure if they can proceed further legally......?

 

I would like to write to them about the OD as they are piling on the charges but not quite sure what to say ...any ideas?

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  • 2 weeks later...
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