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    • I'm after some advice before I fill in and return the section 172 "request for driver name and address".  I am the registered keeper of the vehicle stated . The alleged offence (Exceeding variable Motorway speed limit 68mph in a 60mph zone) was committed on 29/07/2020, the NIP is dated 31/07/2020.  On Wednesday the 29th July 2020 a friend and I were driving for a much needed break from South Wales to spend a few days in Yorkshire, we shared the driving for the 4.5 hour journey at just over an hour at a time each.  My problem is this, 1.I have no idea of the location or recollection of the place to which the police refer (M1 Northbound Duckmanton Derbyshire?)  and 2. I cannot say with any accuracy which of us were the driver at that particular time.  I have a clean driving licence and am usually very speed aware using the cruise control at most times. an offence for a mere 8mph on a motorway with everything that is going on at the moment seems extremely harsh IMO.   I would much appreciate if anyone could offer help / advice at what I should do next? Many thanks  🙁
    • Hello just asking,? I purchased a discount new cooker as it had cosmetic damage, paid £250 After a few days I noticed the fan never went off, I contacted the company and they finally collected the cooker and took it away, ( for 7 days) And fixed it,   It never seamt right? It steamed up in the clock panel and the oven door was mis-lined It had multiple dints in the sides Top panel missing on the door to stop food dropping in, Shelving didn’t fit well Then main fan started to rattle and tap   I put up with all this as it was *discounted Then one day whilst cooking we could smell a funny smell Turns out the wires had melted on the back of cooker I contacted the company again and it took a lot of phone calls to try and get the problem dealt with, speaking to several different staff....I wanted a refund or replacement I had had the cooker 6 months just! I asked for a refund or replacement    I contacted trading standards and citizens advice and they advised me what steps to take! Finally the company offered to replace the cooker, then later changed! As they explained that nothing came in to replace it they were too damaged! ( been told they buy at auction damaged) They wanted to look at the cooker and inspect the damage themselves, so I agreed they collected the cooker, No update, or communication I had to constantly chase them up Nothing was sorted out with 7 days we had no cooker, I threatened Trading standards were now involved Last thing on a Friday in June they rang to say I can collect the cooker it’s fixed!!!! I had expressed all along I didn’t feel safe using this cooker anymore with my family I didn’t want this cooker fixing again ( by whom) They started to blame me and said I should be grateful they aren’t charging me for the repair!   Still today in August this is not resolved  Trading standards have been useless  Citizens advice have told me to take them to small claims court!???? I have had to purchase another cooker  As I’ve been left without one.   I am in a vulnerable situation in life, Im a carer for my husband and have children and have no one to help me sort this mess out! I am struggling with making the county court claim ? What shall I do?   ( sorry for long message) ✨
    • The committee's report is pretty damning, isn't it? The Home Office refused to supply the scientific evidence it said its decisions were based on and you can possibly see Demonic's hand in this - he has form for ignoring select committees.
    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
    • You can pay on the day of travel or by midnight the next charging day..   Appeal to TfL on the grounds that you have already paid within the allowed time and enclose proof of payment.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
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      I feel terrible. I have to declare this to my employer and NMC.
       
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      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
cliffc

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Hi

 

I have a debit that i have been paying at £10 per month to one of there subsidurys now for a few years my financial situation has not chainged infact my pay as come down due to accpting a pay cut to save jobs.

 

I got a letter off them a few weeks ago so i called them to let them know i was paying this debit allready.

 

Any way the person i got on the phone started saying that that wanted more even asked me if i could get a loan of cash from some one to pay the loan off ( I thought this was illigal under OFT guidelines) any way thay sent me a income sheet that i filled in showing i had £83 per month left after paying all my other stuff so thay then sent another sheet asking for more infomation on how i get to my figures but right at the end thay ask for my full bank infomation (thay must think i came off the last banana boat if thay think i am going to give them that).

 

Effectivly it seems thay are going to attempt to try and bully me into increasing my payment even though i cannot afford to.

 

Can any one here offer advice on what i can do to get them off my back and continue to pay as i am now, obvioulsy i dont want them to start taking out CCJ's allthough as i have been paying them i would think thay may have a problem getting a judgement to sitck.

 

REgards

 

Cliff c

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This has worked in the past - They are not entitled to any of your financial information even the one you have already sent. I would advise not to send any further info:

 

This is what I always send:

 

 

Dear 'good friend'

 

I acknowledge receipt of your letter of *************** with enclosed form.

 

I have been advised that this 'personal' information is just that - personal. However, following your request, I obtained a Court orientated Income and Expenditure Form which I understand only a Court and/or Judge can legally have access to, and filled in the details required therein.

 

Following the revelations about my financial status that completing this form brought to light, I would like to thank you for pointing me in the right direction.

 

From this information it is obvious that I have no disposable income at this present time. It has been suggested that following discovery of this situation that a County Court Judge, would, in all probability Order that I can afford no more that £1 per month to each and all debtors, which of course includes yourselves.

 

If you would now kindly send me details in order that I can set up a Standing Order in this amount, I would be grateful.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Have you requested your copy of your CCA yet to prove that they are entitled to collect this debt? If not, I would do that first.

 

What type of debt is it?


:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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Have you requested your copy of your CCA yet to prove that they are entitled to collect this debt? If not, I would do that first.

 

What type of debt is it?

 

 

Hi

 

The debit is a genunie debit if i remember correctly its a credit card debit i have not got the paper work here with me at work, and I have been paying the sum of £10 per month to Rockwell which I beleve is one of there subsidury outfits since oct 2007, but now it seems thay are trying to get me to increase the amount i pay as thay seem to think £10 pm is not enough however its as much as i can afford.

 

After posting last night i went and looked at the guidelines on Debit Collection on the OFT website and it would seem that thay have allready broken one of these guidelines as when i spoke to there agent on the phone he was encorageing me to get a loan or take out more debit to pay them off and this is a no no.

 

Regards

 

Cliff c

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Hi

 

The debit is a genunie debit if i remember correctly its a credit card debit i have not got the paper work here with me at work, and I have been paying the sum of £10 per month to Rockwell which I beleve is one of there subsidury outfits since oct 2007, but now it seems thay are trying to get me to increase the amount i pay as thay seem to think £10 pm is not enough however its as much as i can afford.

 

After posting last night i went and looked at the guidelines on Debit Collection on the OFT website and it would seem that thay have allready broken one of these guidelines as when i spoke to there agent on the phone he was encorageing me to get a loan or take out more debit to pay them off and this is a no no.

 

Regards

 

Cliff c

 

hi, the debt may indeed be genuine, but have they got the correct paperwork! you should send them a cca request.

in the meantime just continue to pay them what you can afford, dont phone these muppets, if you must contact them

send a letter.

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Don't speak to these people on the telephone, all they will do is try to bully you. They have targets to meet and don't care how they do it.

 

Have they stopped putting charges onto the account? If not, it may be an idea sending them a request for a copy of your CCA.

 

I doubt very much if they will take you to court as you are paying them.

 

As for them breaking one of the rules, that's not unusual.


:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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