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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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welcome finance nightmare plz help


cardiff27
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Hi :)

 

From looking at your statements it would seem that welcome have tried to take payments from your card. When they put the attempt through they credit your account. Now for whatever reason the payment hasn't been accepted which is why in the next line they have debited your account for the same amount of money.

 

Hope that helps.

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Get what your saying Emmilou, but if Cardiffs bank account is showing as payment made on DC, and not showing as refunded...then where has it gone??

 

Cardiff can you get your bank to clariffy that the payment has been made, for the specific ones they are saying they haven't had?

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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heyas emmilou and brassed off some of the payments which are showing as credited then debited that amount of money was taken from my bank account it shows this in my bank statement and my online bank account and also going of my bank statements a few payments that were paid by my bank welcome have put them on my account as smaller payments EG my bank statement shows a debit card payment to welcome for say £150 but on my welcome statement the corresponding date shows they only took £60 of my welcome account although i paid £150 from thr bank hmmmm sounds very dodgy to me im quite likin the idea of showing this to a judge bcos as far as im concerned thats fraud/ theft

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i have sent off the letter and the £10 fee so i can have the full statements should make some interesting readin i think and thanks both for your comments x

and yes my bank would confirm this as its on all my bank statements as cleared payments x

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keep us posted Cardiff!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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a few payments that were paid by my bank welcome have put them on my account as smaller payments EG my bank statement shows a debit card payment to welcome for say £150 but on my welcome statement the corresponding date shows they only took £60 of my welcome account

 

Hey C`mon cardiff it is Christmas. :wink: Peace and goodwill to all and the rest of that stuff.:)

 

We need to be a little more understanding of Welscum employees situation. They have got to get something behind them for when they don`t have a job.:-D LMFAO

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Also if that is the case they are going to have to have a serious look at what you still owe them. All those fees shouldn't be on there and niether should the extra capitalisation if they have recieved all your payments.

 

If your statements are not reflecting the payments you have made, then you must be (wrongly) on their records as being in serious arrears. Did Welcome never try and contact you to tell you this?

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lmao they can kiss my welsh ass b4 they get any more money of me season of goodwill or not lol x

 

 

couldnt have put it better myself lolol 8)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 1 month later...

heya ll just after some advice on what to do next i recieved my sar in the post yest well over 40 days late cheek of em an now the phone calls keep coming and coming saying they will offer me a substantial reduction to settle but im not in that position to do that they wont accept regular payments so where do i go from here im gunna go thru my bank statements to compare all these card payments and i recieved a letter of ombudsman saying they were lookin into the mis selling of the ppi etc so really just wondering now ive got this sar whats my next move if any1 has any advice would be much appreciated xxx

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bumpin again seriosly goin mental here after reading comments in the sar its a total pile of crap full of lies i dont get on with my next door neighbours and the sar says tha welcome called at my neighbours house discussing me and my situation my personal details were discussed between my next door neighbours and the welcome caller how are they allowed to do that grrrrr hate em and payments still dont match up how whats my next move really peed off at the amount of lies saying that my partners debit card was declined on numerous occassions hes never had a debit card or doesnt even have a bank account really peed of bou this any advice plz xx

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bumpin again seriosly goin mental here after reading comments in the sar its a total pile of crap full of lies i dont get on with my next door neighbours and the sar says tha welcome called at my neighbours house discussing me and my situation my personal details were discussed between my next door neighbours and the welcome caller how are they allowed to do that grrrrr hate em and payments still dont match up how whats my next move really peed off at the amount of lies saying that my partners debit card was declined on numerous occassions hes never had a debit card or doesnt even have a bank account really peed of bou this any advice plz xx

 

They can't discuss your account with anybody apart from whom the account is with under Data Protection Laws, and if im correct in saying this they cant charge you a call out fee if they made No contact with you. Lets bump this and get some advice for you.

 

Bump

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So there seems to be 2 things that have cropped up.

1. The Data Protection Act being Abused/not followed

2. Payments being taken and then debited back onto the account.

 

Ozzy/Postigjj any advice for Cardiff, seems an awful mess and so unlawful.

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CARDIFF

 

You need to contact the ICO, they can deal with the data protection issues...i would give them a ring in the morning and follow it up with a letter, provide copies of the evidence also...

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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thanks all for the comments i thought they couldnt get away with doing this and the fact that i cant stand the guy next door hes the last person in the world i would want my business discussed with they really do take the pee they rang again earlier and the woman was dpeakin to me like i was a child so i basically told her to kiss where the sun dont shine grrrrrr lol i wrote a letter to welcome sayin i wasnt payin another penny an i want a full refund and the same to the fos so im guessin thats all i can do for the mo thanks all for the comments much appreciated xxxxx

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