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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
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Speeding ticket and improvement course.


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Ok heres my dilemma.

 

I recently got flashed on a dual carraigeway doing 40mph. Now usually this would be fine as it was signposted as a dual carraige way but there is a 30mph sign about a hundred yards after the speed camera that you obviously arent going to see until youve already been busted.

 

I got the notice and decided I couldnt be arsed fighting it so duly sent off a cheque for £60 and agreed to go on a 4 hour speed awareness course in order to avoid 3 points. The date of the course came an went and in all fairness, I hold my hands up I forgot about it.

 

I since had a huge falling out with my ex partner and she chicked me out of our flat.

 

All my documents etc to do with this are there, and although I have my licence, Im worried that I will get in serious ****e for not going on this course.

 

Only problem is everything to do with it, the notice, my logbook, etc is in my old flat and my ex will not permit me to have anything back s she is intent on causing me as much trouble as possible, she wont even give me my post so I have no idea if anything has come through because of it.

 

I havent yet changed the address on my licence, but will I be able to rearrange the course (bearing in mind this is maybe 2 months old now) and still sit being that I did pay the £60 in good faith? Or should I just sit tight and see if anything comes of it?

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You need to contact the organisers if possible, surely you must remember the location or their name, and explain what happened although I'd make up a better excuse than 'just forgot'. They will then contact the Police who will decide if you can rearrange or if you will get the points.

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After two months I think one of the things your Ex is not letting you have back is a new FPN. I done the course but somehow they thought I had not, the new FPN was here within two weeks! Luckily I had the certificate to prove I had indeed done it and the FPN was cancelled.

 

You may be lucky but two months may be too long!

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You might also care to contact your local Postmaster, [Postmistresses may also be available!], to have your post re-directed to your present address.

 

It would also be worth reporting that your mail is being withheld; I think that this is a criminal offence, and they may take it up on your behalf, it's worth asking.

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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  • 4 weeks later...

Ok I got a bog standard fixed penalty ticket for doing 40 in a 30 zone. (although it was on a sign posted dual carriageway that I thought was national speed limit and the 30 sign was long after the camera sneaky)

 

I took the offer of a drivesafe speed awareness course and duly sent off payment off £60.

 

Heres where it gets a bit tricky.

 

My ex chucked me out of the flat we were sharing and kept ALL my possessions. My tv blu rays worth up wards of a grand, dvds, ps3, tools, car documents driving licence the works.

I have had my solicitor on the case to get access to my daughter and to attempt to recover my stuff.

This was toward the end of last year.

 

Last week I recieved a letter from the enforcement office saying I had a fine of £275 due so I went to the court and had it looked into.

 

Apparently I missed a letter to my old address to do the course, then a summons to court, and then the outcome of the case all to my old address.

My solicitor had told my ex to give me all my documents and post etc but so far she has point blank refused.

 

I made a statutory declaration to the court and to his credit the clerk of the court who advises the magistrates was pretty good about it and has had it squashed to be reopened and for me to be summoned again at a later date and has also instructed hte court to contact my solicitor to look into what my ex is doing about my stuff as my licence will need to be returned in case I am allowed to actually sit the improvement course.

 

What do you think the odds are that Ill be allowed to have the option of doing the course rather than being slapped with the points as my job is dependant on my clean licence and it genuinely wasnt my fault that I didnt know about the other court summons or process and paperwork from my solicitor confirms this.

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I suppose i wouldnt do any harm to make an application to the court asking could they place you on another course as you nver recieved notification of the previous cone due to circumstances out of your control. Possibly offer to pay again ??

 

Would extra points loose you your job ???

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Id arranged to sort it out but before I could wait for the rescheduled time etc she did what she did. Like I said in that post I didnt know what was going to happen from it all, but I wasnt expecting to just get slapped with a whacking great fine when I didnt know anything about it. As I said to the court, Ive always told all official bodies like the council etc where I was so its not as if they wouldnt have known where I was before it went to court.

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  • 1 month later...

HI guys,

 

I asked for some advice a while back regarding a speeding ticket I got.

 

I got flashed doing 40 on a dual carraigeway that was only a 30 limit. There was no signs other a sign saying dual carraigeway between where I pulled on to the carraigeway and where the camera was. There were also no measuring lines on the road to measure speed.

 

I thought sod it, duly accepte responsibilty and sent off £60 to cover a 'speed awareness' course as opposed to copping for 3 points.

 

I was then turfed out by my ex and never got my post or licence back until recently from her.

 

In the meantime I was summonsed, and convicted in my abscence and got 3 points and a £275 fine.

 

Ive now been to court, made a stat dec and had it squashed and reopened.

 

I now have received the re summons and am intending to plead guilty in person at court and request that I be permitted to sit the course I originally paid for as I had no way of knowing what had happened.

 

I also have letters from my solicitor who is handling my case for access to my daughter confirm what happened.

 

I have an interesting thought tho, the date of the offence and the date of the ORIGINAL notice of prosecution is a month apart. Ie the offence was on the 31st, and the notice was issued the following 30th. I was under the impression that ITP notices had to be issued withing 14 days?

 

If I plead guilty in person can I still point out that the ITP notice is invalid? or will I have to go not guilty and risk having my bottom smacked?

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From the link it is a

 

TREVELO CAMERA

 

The forward facing Truvelo camera system is designed to take photographs of the front of a passing vehicle, this allows the picture taken to show the driver of the vehicle as well.

 

To avoid the 'flash' which is given out by a rear facing Gatso camera the Truvelo system uses an infra red flash which produces no visible 'flash' to the approaching driver.

These rely on 3 white-lines in the road, painted just before the camera (which are shown on the link), and are triggered by strips in the road, used to gain the vehicles speed.

As for the NIP I am sure someone with a bit more knowledge will hep.

 

 

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I always thought that they had to have a way of measuring speed over an average distance? hence the markings? how on earth can they gauge speed when the markings here are little more than a couple of inches apart?

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Gatso cameras are activated as vehicle crosses radar beam & takes 2 photos 0.5 secs apart,

 

Whilst Truvelo cameras work as follows:

  • Sensors in the road record the time at which the vehicle crosses them.
  • The time difference between sensors 1 and 3, and between sensors 2 and 4, is calculated. These measurements are used to calculate the speed of the vehicle.
  • If the vehicle's speed is above a preset threshold (eg. 30 mph) then a photo is taken.
  • There are three white lines painted on the road surface. The photo is taken when the vehicle crosses the middle white line. The other two white lines are set at +/-10%. This is the legal required accuracy

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Firstly, the law requires that a Notice of Intended Prosecution must be served on the driver or, where this is not possible the, registered keeper within 14 days of the alleged offence where the day of the offence counts as Day 0 when counting forward. Any subsequent NIP is not subject of the same time limit. There are other circumstances, when the 14 days would not apply - for example because there has been a change in ownership or registered address and the DVLA records were being update at the time the police made their initial enquiries. Might any of these apply in the OP's case?

 

Now that a summons has been issued there is no way for you to retrace your steps and to attend the course you originally applied for. In any event the course is not offered by the court but by the police as a means of avoiding process and ther court simply has no means of retrieving that. There are also conditions attached such as completing the course within a set time frame and you've probably stumbled over one of them and the offer has been withdrawn. Additionally, one suspects that if you were to attempt to argue that it is the fault of the police/your ex/the court you would not win any brownie points and are likely to receive the retort "Why didn't you make any enquiries yourself? But, I do understand the point.

 

Aside from the issue of the possible out-of-time NIP all is not necessarily lost. Had you not been eligible for the offer of the course then you would almost certainly (and very much so at the speed you say was alleged) have been entitled to a fixed penalty notice. Assuming for the moment that the NIP issue is a dead duck, you would be quite entitled to ask the court to impose nothing more than the penalty you would otherwise have received from the police (in the absence of the course) i.e. £60 and 3 points. You may still pick up costs and the inescapable Victim Support Levy (£15) but you could still ask that as this is in effect an extra penalty that they waive that as well.

 

As far as the head-on Truvelo camera is concerned I have no idea where the notion originated that they have an "infra-red" flash. They most certainly do not and as I can personally attest it is bright and very visible but to reduce the otherwise blinding effect of it the flash is fitted with a magenta filter - apparently this has less impact on the retina. The road sensors then activate a timer and if all has operated correctly a photo will be taken as the vehicle's front wheel hits the centre, broader white line. If the tyre is not touching this line and is either behind or in front of the outer markers then it is deemed out of sync and no prosecution should ensue.

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My argument as to not making enquiries was I simply had no way of doing so. I literally had the clothes I stood up in and nothing else and nowhere to live. My ex had ALL of my possessions and has only recently given me some of them back.

 

The NIP literally says as Ive said it does, offence on the 31st, and the NIP is dated on the 30th of the following month.

 

I paid to do the improvement course, but had absolutely no opportunity to get any communication, post, documents, anything. This can be proved as a police officer attended my address and was there when she refused to return my stuff. He didnt do anything to help, but he was there at least.

 

As to the photo, I havent been given a copy yet so I have no idea.

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As already set out in my initial reply, the Speed Awareness Course is now a dead duck and there simply is no way of retrieving it. You failed to comply with the conditions of the offer and as inadvertent as that may have been that aspect is now firmly closed off. One could envisage the question "You might not have had any paperwork but could you not have telephoned the police or called in at your local station?" Specifically, there is nothing the court can do in respect of it as the course are not a part of the justice process in the first place. They are organised and offered solely by the police as an alternative to the judicial route.

 

There may well be an issue with the NIP but you will need to confirm a number of matters before that becomes a viable approach (If indeed no NIP was served on you - assuming you were the registered keeper at the time - then no prosecution can succeed where there is no evidence that a NIP was served on the registered keeper and/or driver within 14 days of the alleged offence. This would stop the prosecution). It would be unusual, though not unheard of, for matters to have progressed to this point in the absence of evidence of timely service of a NIP or an explanation for its having been delayed - if indeed it was.

 

So, were you the registered keeper of the vehicle at the time of the offence? Had you been so for the preceding 3 months? Had you notified DVLA of a change of address during the 3 months preceding the alleged offence? Was the vehicle a company, hire car or one owned by your partner/colleague and lent to you at the time?

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I did read somewhere that the lens in some cameras have calibrated lines etched onto to glass so removes the requirement for lines to be painted on the road surface. I may be wrong.

 

Sadly, another urban myth.

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There is no requirement whatsoever for lines on the road for a Gatso; there is for a Truevelo.

 

Gatso requires a secondary check to be performed before prosecution. This was originally done by using size of vehicle in the photographs; latterly and for ease of use, white lines are painted a known distance apart. If the lines are non-existent or covered, then it reverts to the earlier measuring system.

 

Truvelo, when used in front facing mode, takes the single picture of the vehicle (and driver) as the car is on the three closely spaced lines just before the device. This is the secondary check If the device gets the primary speed wrong, then the camera will trigger at the wrong time.

 

And Old Snowy is absolutely correct about the colour of the flash...

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The car was a hire car hired for the weekend. and before you ask, the notification sent to them, and them passed on to me was dated exactly the same.

 

Im guessing that they have reprinted the orginal summons etc and just put my details on it as the accepted driver, but it still has the same dates as were sent to the fire firm, ie 30 or so days apart.

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It's really not too clear what actually happened. Could you explain in a little more detail the sequence of events in terms of the issuing of NIP's? As explained above, the 14 day limit applies only to the first NIP in any sequence and as yours was the second then the time limit does not apply to it. However, If you are suggesting that the hire company did not receive their NIP within the 14 days then there may still be something that can be run with here.

 

IMO at this stage the likelihood is that at worst - provided you don't royally p*ss off the magistrates - you'll end up with 3 points and £60. If there is an issue with the NIP (the hire company's that is) then the whole case could end up in the long grass.

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Ok, I hired the car, got flashed by the camera.

 

Heard nothing for about two months until I got a letter from the hire firm. (No sign of the NIP)

 

They obviously gave my details to the Police.

 

I then got a NIP with the described dates on it. I went to the hire firm and got a copy of the NIP that they got with exactlty the same dates.

 

I sent off payment for the speed awareness course, accepted responsibilty yadda yadda.

 

Then got chucked out by my ex who kept all my post, documents, driving licence etc and she would give me any of it.

 

Ive since had proof that shes been opening my post to find out whats been going on without my permission but thats another matter.

 

I got a notice of further action from the DVLA or whoever saying Id been fined £275 nd been given 3 points.

 

I went to court and did a stat dec, the mags wanted to know what had happened so I explained to them about my ex and I had solicitors letters etc to prove I was telling the truth.

 

The clerk asked what it was I wanted from them and I explained that I felt as I had taken responsibilty for what had happened and hadnt denied that anything, I should be allowed to take the course as well as other mitigating circumstances.

 

The clerk advised the magistrates to squash the repeal the conviction but advised me that I would be summonsed again and it would be up to the mags in question as to what course of action to take.

 

Thats pretty much it.

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Problem is as Ive just got into the community team for the fire service, a clean driving licence is quite an important thing. Its not compulsory at all, but its defintily better to have no points rather than 3.

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