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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.
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Gromit35

AIC - Who are they?

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Hi everyone,

 

I'm new to this forum, I'll just quickly explain how I came to be posting this thread.

 

I went through a really bad time last year, financially and emotionally, my marriage broke up after 17 years out of the blue, I lost my job and I was also ill which resulted in an operation at hospital with another one pending.

 

At the moment I am able to manange (just) all of my creditors, however on the week I thought I had started to see light at the end of the tunnel. A company called AIC started to leave automated messages on my home ansa phone, they haven't said what its about except that its something to do with 'Insurance' and that I must call them back 'immediately' quoting a reference number and ask for Mr Miller or a Mr Wilson......

 

I have no idea what this is about....so I googled them and this forum came up and it seems they are debt collectors of some description. This has now gone on for about two weeks, every day I get home there is an automated message awaiting me from AIC, each message gets a little more 'punchy' demanding that I call them.....

 

Anyone any ideas on what I should, should I just ignore them......has anyone had a dealings with this company....

 

At the moment I am under the doctor for stress and depression and I have another pending operation to go in less than a month, I am getting real worried about it and what will happen if I continue to ignore them....

 

Can anyone help?

 

Thanks

 

Gromit35

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Hi and welcome to the threads. Sorry to hear that you are having a hard time of things, I hope they improve soon.

 

People with far more knowledge and expertise will post, but I just wanted to say to you not to panic. I have had dealings with them and they may seem nasty, but once you follow the advice given by people here you will discover that they are all bark and no bite.

 

Try not to let them get to you... and good luck x


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Sorry to hear about your misfortunes. A lot of people here have similar experiences.

 

As to AIC : you are correct in that they are a firm of debt collectors. You have managed to pick a real doozy here though as AIC are renowned for their agression, hostility, rudeness and, not to put too fine a point on it, lies.

Do not ever speak to them on the phone. Do not call them. If they call you then, very politely, refuse to answer any 'security' questions and put the phone down.

It is probable they will ring back and accuse you of breaking the law by hanging up on them. This is of course a lie, but it illustrates how they work.

Do not ever become embroiled in a conversation with them - you will lose (unless you have had the length of experience some us here have had).

 

Nasty people.

 

Here quoth the voice of experience.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Ignore the phone calls. If it's important then they will write to you.

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Exactly. AIC are also known for not knowing what they're doing. Still waiting for that CCA request I sent to them nearly a year and a half ago to be fulfilled. It hasn't yet.

 

AIC have nothing constructive to say on the phone - keep any dealings with them exclusively to written format.

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If you have a BT phone line, and if the calls are becoming very annoying, you can get BT's Choose To Refuse service which allows you to block calls... not sure how much it adds to the bill per quarter. We have it and it (again fingers crossed touch wood) seems to be working x


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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