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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
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    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
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Vanquis Bank CCA request


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Hi all, I'm new here so please bear with me if I post something wrong. Fabulous site by the way!!

 

Anyway down to business:

 

Back in February of this year I did a CCA request on Vanquis. They sent me back a letter containing a copy of some statements and what they said was "a copy of the executed agreement being the Vanquis terms and conditions" and also "a copy of the latest notice of variation relating to agreement". Basically a photocopy of their terms and conditions, but didn't even mention my name, address or have my signature on it.

(For information purposes I opened the account in January 2007 and I think it was over the internet)

Since doing the CCA on them, I also managed to reclaim about £300 worth of charges. Since then they've clobbered me for a load more charges and jacked up the interest rate to above 54%.

I've not made any payments into the account since February as they didn't reply to my letter about ratejacking.

I've also received three or four letters from Impact collections (Vanquis in house collection team) offering me over 50% off my balance if I repay in full before certain dates. All of which I ignored as they didn't reply to any of my letters requesting them to cease all charges and interest on the account and to set up a repayment plan with them!!

Then back in June LCS solicitors (I think they're in house solicitors) sent a letter requesting payment in 14 days on behalf of 1st Credit. I ignored this as well.

A couple of days ago I received a letter from Creditlink Account Recovery Solutions C.A.R.S. I've just CCA'd them and told them I don't acknowledge a debt to them.

What should I do now? Send another letter to Vanquis stateing they have not fulfilled a CCA request.

Any suggestions would be gratefully appreciated. I'm more than willing to fight them all the way!!!

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi guys, I sent off the "in dispute" letter to C.A.R.S. on the 27th July. Just received a letter from them today saying they're going to send an agent round to the house "to establish a reason for non payment". Their letter is dated 28th July.

Is it worth sending them another letter or should I just ignore them. Would it be worth sending a copy of the trespass letter to them? Is it worth getting a video camera set up, just in case they do pop round. Any advice will be greatly received. I have no problem with calling the police round to remove them from my property.:D

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Send them this:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

IF they turn up, which is doubtful, ask them to leave. If they don't then phone the police on 999

 

Plus what HS said - sorry HS, crossed posts :D

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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  • 2 weeks later...

Just got a letter from C.A.R.S today saying they have received my correspondence, but unfortunatley it contained insufficient information for them to resolve the matter. It also adds that they have decided to suspend proceedings against me for 7 days so that they can collate further information and that they require me to cantact one of their recovery specialists on a nice highly pricey 0844 number.

Any suggestions on the next course of action? Do nothing? Report them to the information commisioner? Any suggestions greatly received!!

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Bloody plonkers....the letter you sent them was telling them the account was in dispute yes?

 

Well what other info do they need? Ignore them, irritating imbeciles, another outfit drawing wages under false pretemces.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 9 months later...

Well almost nine months have passed and i've had peace and quiet! Untill last Saturday morning when a notice of assignment dropped through the door. Apparently they've sold the debt to Arrow global, who in turn have got wescot working for them. Now call me stupid but if the account is in dispute surely it's illegal to sell it and pass on information to a third party. Anyway i fired off the old account in dispute letter to Wetclothes a couple of days ago telling them to return it to Vanquis. Is that all I need do, or should i go and report Vanquis to the OFT, Information commisioner etc etc?

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No No No! You MUST ALWAYS complain about DCA's to the OFT&TS, the FOS, BBC Watchdog your local MP and even the local press!

 

Any one you can think deserves to get the complaint also...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Vanquis Wetcloths, they're all the same, miserable low life puerile tin pot outfits feeding off other peoples misery to live a deluded materialistic existence.....I'll check and see if I haven't got the Pope's address too!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The Vatican,Vatican City, Rome, Italy.:madgrin::!:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

Just to keep everyone updated, got a letter from Wetclothes the other day saying there client had sent them instructions to withdraw the account and that I would not be hearing from them again!

I think I might be up for a bit of peace and quiet at last.

Thanks everyone for your help in this matter:whoo:

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Great, but please don't be shocked or worried if this crops up again these

banks etc. will shut up for a while then sell the debt to some other lowlife further down the food chain.

If it shows up just qoute what you have been told by Wetcloths, no proof no pay.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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