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    • Any update here? MET started a court case recently against a Cagger concerning this very site and EV charging - and then bottled it and discontinued the case before the hearing. It would be useful for others to know what happened in your case.
    • 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.
    • Thank you for that, I have obviously already been convicted so I think the appeal lodged is for the previous offence? Sorry if that doesn’t make sense. I suppose my only concern is that weds I go there and they don’t let a stat dec happen. If they do then as you say and solicitor says it’s highly likely I’ll be happy with the outcome. But I’m being told there’s no guarantee for the stat dec to be hard Weds as that’s not what the hearing is proposed for. Solicitor has stated that you can put a stat dec before a magistrates at any time so it shouldn’t be a problem.   
    • 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.  
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marbles card/Restons court claim form - help new to this!!!


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pestons hate counter claims

 

which card and how old?

 

tell us the history

 

you say you've done the unlawful charges - did you hit them with compounded int?

 

and what about PPI?

 

there are several threads to read through here

 

just use restons in the advanced search top right

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx , The card is marbles taken out in november 2000

 

I had them for compound interest , there is no ppi on the card

 

the links below shows the history

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?249469-HFC-Bank-And-Restons-solictor-letter&p=3179715#post3179715

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?249469-HFC-Bank-And-Restons-solictor-letter

 

cheers

 

Jfk

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hit the triangle...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You say you had an agreement - was this on top of normal payments?

 

You have to acknowledge the claim within 14 days of service, which give you another 14 days to defend, if that's what you decide to do.

 

Did you have it in writing that they would freeze the interest?

 

Did it depend on you making the payments?

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi thank you for the reply , I will gather all info i have and reply tomorrow , the court form needs to be acknowledged by the 18th so have a little time to gather all the facts for you , please come back tomorrow

 

thanks

 

jfk

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I'm subscribed to the thread now so will see when you post.

 

To help get an idea of the bigger picture, do you have other debts and would a CCJ cause you problems, eg if you're likely to want a mortgage.

 

I'm just trying to see the best way to tackle this, because obviously they can't have what you haven't got, but you don't deny that you did borrow on the card.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You should do an income and expenditure sheet as well to hand in to the court, this will help your case. I am about tomorrow afternoon and will pop back then.

 

uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi ,

I dont appear to have a letter from them saying interest is frozen ,

 

 

I have a letter from restons saying that thier client accepts my offer of the monthly payment that i offered them .

 

 

I have done a sar with them and got late charges credited back to the account ,

I just noticed that the so called credit agreement terms which is the " priority application form "

actually has a date of feb 2001 on it ,

 

 

I took this card out in november 2000 so I have the application form from november

with terms and conditions from feb the year after ?

can that be correct ?

as they have not given me the terms in force when I made the application .

 

 

On the court form restons are claiming interest at the rate of 435.18 pence per day

to the date of judgement or sooner payment.

 

 

they are claiming this at 19.8% from feb 2010 to 28 june 11 the figures they quote are in this thread ,

 

 

can they claim this interest ??

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Should I be asking restons for a breakdown of the poc ? although I guess what i have posted at the topof this thread is just that ?

It looks like I will have to plead guilty with time required to pay as I dont think I can contest this ?

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hit the triangle then

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

IMHO I think your chances of success are at best slim. Are you in a position to start payiing again. Did you explain to them why you stopped paying?

 

I haven't seen answers to previous questions I've asked which are relevant.

 

As regards the interest being added, if they agreed to freeze interest if you paid £x per month and then you didn't pay, then I think they might be justified in adding it again.

 

As UK says, an income and expenditure form would be useful.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro , thanks for the reply much appreciated . I will be in a postion to start paying again at the end of this month , whilst I was making payments no interest was added but I cant seem to find anything to back that up , so as you say my chances look pretty slim . I will start making payments again this month after I have done a new I and E form .

one other quick question before I complete the court form saying I will need more time to pay and wont defend the claim is the card was taken out in november 2000 but the " priority application form " has terms and conditions with it dated feb 2001 , could this be relevant ?

 

thanks

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OBviously the t&cs cant be from the time you entered into the agreement if they were dated afterward. Whether this would help in a defence, I really dont know.

 

You could apply for a Time Order.. which is what it says.. time to pay. I have posted some information below for you.

 

http://www.consumeractiongroup.co.uk/forum/entry.php?186-Time-Orders-A-guide-for-the-rest-of-us

 

HTH

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Anyone else have any comments about whether t and c dated after the card was taken out has any influence on this ?

Who knows what a judge will think, but they certainly don't like people trying to avoid paying debts (and I know this isn't what you are trying to do}. I agree with CitizenB that a time order would be a good idea as it could avoid you getting a CCJ. Take a look at the link she's posted and see what you think.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks for the link caro , I will digest that , just had a quick look and it looks quite complicated on the surface but as I said I will digest . so on the court forms do i just complete the admission form for the total amount they claim or just the original amount that was outstanding ?

please advise if you are able to

 

thanks

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