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    • Dear Man in The Middle   Actually I should be thanking you   I have been impressed by your kindness your professionalism and your prompt reply   I very much thankyou for your thorough reading through my case and pin pointing every point   I was thinking of appealing the fine aspect of the sentence but you have made everything much clearer and it makes me feel better     Cant thank you enough for being so helpful and may you be blessed
    • HB.    What's wrong with" Girl done good"?  Not tripped over one of those politically correctness bumps have I.    We say, " boy done well or good", dont we? perhaps, well I do. Oh dear.   Apologies wherever necessary.
    • Hi    yes i already have -    the agreement  Notice of assignment  statement - but not fo complete period  2006-2016, and this is just printed on plain paper      So i will just request the Default notice and full statement on the CPR Form 
    • Thanks for the feedback. A couple of comments:   1. Before Magistrates arrive at court they have no idea what sort of offences they will be dealing with or who they will be dealing with.  They are given a list of defendants and the charges against them on arrival and that's it. Their Legal Advisor (the person sitting in front of them and facing the court) runs through that list before the court begins, but only to point out anything unusual or anything in particular they need to know. In a traffic court there is not usually anything to tell them. They have no papers given to them about any of their cases (except occasionally when dealing with trials or probation reports) until the case is called on. They rely on being provided with any papers they need by either the prosecutor or their Legal Advisor..   2. Your fine is based on your weekly net income and no account of expenditure is normally taken. It is asked for so that, should the defendant ask to pay in instalments, some idea of how much per week or month he can realistically afford can be gained. Actually, your fine was not harsh. On the contrary you were treated rather leniently. The guideline fine for 76 in a 50 is one and a half week's net income. £6,200 pcm is £1,430 pw. So your fine should have been £2,145. Your guilty plea would knock it back to £1,430 - one week's net income, as I mentioned in an earlier post. In addition to that you would pay £143 in the form of a "Victim Surcharge" and £85 towards prosecution costs - so £1,658 in total. Had you pleaded Not Guilty and been found guilty at trial (a near certainty from what I remember you told us) not only would you have lost the discount on your fine but you would also have paid £620 prosecution costs. A conviction following a trial should have cost you £2,145 (Fine) + £170 (VS) + £620 (Costs) which equals £2,935 (the maximum Victim Surcharge for offences committed before 28/6/19 is £170).   Other than that I'm not surprised they asked why you would prefer a ban instead of points and even less surprised that they chose points over a ban. I doubt your presence made any difference at all (which, again, I suggested earlier that it probably would not). Sentencing for speeding is very prescriptive and there is rarely any mitigation or other factors surrounding the offence or the offender which would significantly influence the outcome. Speeding becomes a very expensive business when cases come to court, especially for those on high incomes and very often a "view" is taken by the Magistrates that the calculated fine is a "bit steep". That's probably why you were cut some slack.   One other point which will probably upset you more than help (but which I think it is important you are aware of). Had your recorded speed been just one mph lower you would almost certainly have been offered a fixed penalty (FP) of £100 and three points. FPs are normally offered up to 49mph in a 30 limit, 65 in a 40, 75 in a 50, 85 in a 60 and 95 in a 70.   Thanks again for the feedback.
    • Thanks, they have just emailed this to her.   IMPORTANT - YOU SHOULD READ THIS CAREFULLY   DEFAULT NOTICE under Section 87 (I) of the Consumer Credit Act 1974   This is a Default Notice served under Section 87(1) of the Consumer Credit Act 1974.   In breach of clause [3] of the Agreement, reference XXXX, you have failed to pay the monthly instalments which fell due on 31-10-2019 on time and in accordance with the terms of the Agreement.   To avoid further action, please pay the arrears to us, which total XXXX by 04-12-2019.   If the action required by this notice is taken before the date shown no further enforcement action will be taken in respect of the breach.   If you do not take the action required by this notice before the date shown then the further action set out below may be taken against you.   If you fail to pay XXXX on or before 04-12-2019, we will enforce our rights and: Send you a letter terminating your Agreement; Demand you pay the balance due under the Agreement to us; Report your default and non-payment to credit reference agencies; and Issue legal proceedings and request Judgment for the balance due under the Agreement. If the arrears are not discharged and the Agreement is terminated, you must make payment of the balance referred to above as a lump sum. If that lump sum payment is not made on 04-12-2019 balance will be recalculated as at the date when such payment is actually made or to be made. In your own interests, you are strongly urged to contact us by telephone on 0203 757 1933.   If you have difficulty in paying any sum owing under the Agreement or taking any other action required by this Notice, you can apply to the Court which may make an order allowing you more time. You should be aware that if we take you to Court and get a Judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the Judgment and interest under the agreement on all the sums owed by you at the date of the Judgment until you have paid these in full.    If you are not sure what to do, you should get help as soon as possible. For example you should contact a solicitor or your local Citizens' Advice Bureau.   This notice should include a copy of the current FCA's information sheet on default. This contains important information about your rights and where to go for support and advice. If it is not included, you should contact us to get one. If you would like to speak to us to discuss your arrears or the content of this notice, please contact us on 0203 757 1933   We look forward to hearing from you. Yours Sincerely,
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Chris2332

Banking Solutions Bureau

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Hi guys,

 

A couple of months ago I received a phone call from Banking Solutions Bureau. To make the long story short, I paid them for 2 applications without thinking too much (total £100). I realised that I did a terrible mistake and called them back literally 5 minutes later.

 

Anyway, they said they would cancel the applications and I will received my money in 5 working days. As you can understand this never happened and they did send the applications. I called them back and they said that I need to return the applications in order to refund me and this will take up to 30 days.

 

So, I returned the applications and they confirmed over the phone that they received them. Its been over 50 days now and I haven't received my money yet. I am trying to contact them but the phone does not work and the website is down for maintenance.

 

Guys, can you please help? Is there any way I can get my money back???

 

Thanks,

Chris.

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They are a [problem] company, report them to https://secure.consumerdirect.gov.uk/reportascam.aspx contact your bank and cancel any DD authorisation you have given.

 

See; http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/216665-banking-solutions-bureau.html


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hi cerberusalert,

 

Unfortunatelly there is no direct debit involved... I gave them my debit card details and they got the money straight away (literally within the 5 minutes that I called to cancel).

 

Do you reckon if I contact my bank I will have any luck in getting my money back?

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Because they've got your debit card details they can still take money from your a/c.

 

You should try to reclaim from your bank yes.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Right, so I called my bank (RBS) and they said they can't refund me or do anything else since I gave my card details willingly to the company.

 

They said this is a "Retailer's Dispute" and I will need to either sort it out with the company itself or through the Trading Standars something...

 

What do it do? So ****ed off at the moment, 5 minutes of stupidity cost me £100!!!

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Get in touch with Trading Standards to make a complaint both about BSB and your bank. It is a known [problem] and your bank should cancel any future debits & possibly refund what you've paid. Consumer Direct - Contact us

 

Also make a complaint through the other link I gave you.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I have already made a complaint through the first link you provided.

 

I will get in touch with the Trading Standard as well...

 

Thanks for your help...

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Interesting this web site is owned by...

 

Domain name:

bankingsolutionsbureau.co.uk

 

Registrant:

reclaim 2 gain ltd

 

Registrant type:

UK Limited Company, (Company number: 6219028)

 

Registrant's address:

15 caunce st

blackpool

FY1 3DT

United Kingdom

 

Registrar:

Webfusion Ltd t/a 123-Reg.co.uk [Tag = 123-REG]

URL: 123-reg | Domain names | Domain name registration

 

Relevant dates:

Registered on: 07-May-2009

Renewal date: 07-May-2011

Last updated: 08-May-2009

 

Registration status:

Registered until renewal date.

 

Name servers:

ns1.jellymedia.com

ns2.jellymedia.com

ns3.jellymedia.com

 

WHOIS lookup made at 12:30:04 03-Dec-2009

 

--

This WHOIS information is provided for free by Nominet UK the c

entral registry

for .uk domain names. This information and the .uk WHOIS are:

 

Copyright Nominet UK 1996 - 2009.

 

You may not access the .uk WHOIS or use any data from it except

as permitted

by the terms of use available in full at Nominet UK

.uk/whois, which

includes restrictions on: (A) use of the data for advertising,

or its

repackaging, recompilation, redistribution or reuse (B) obscuri

ng, removing

or hiding any or all of this notice and © exceeding query rat

e or volume

limits. The data is provided on an 'as-is' basis and may lag be

hind the

register. Access may be withdrawn or restricted at any time.


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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