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    • Man in the middle
      Driving disqualification through x2 MS90 was unaware of - failure to identify but not the org speeding? sent Statutory Declaration to the court? - help

      By Man in the middle · Posted

      Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court and ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all. So you really want to exhaust every possibility of avoiding them if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
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      Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Quick Quid - calling me at work - need to stop them! **

sarahlloyd
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sarahlloyd

sarahlloyd

Posted
Posted

Hi, I'll post properly about my own little PDL mess in a moment, just frantically searching for a template...

 

I've seen it somewhere - QQ phoned me at work today. The only number for my work is a shared line - I never answer it, it goes through to the enquiries office.

 

Can I request they remove that number from their databases?

 

Having a small panic attack.

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26072004

26072004

Posted
Posted

You can request they remove it, but they can also ignore your request if previous posts are anything to go by.

 

best way to stop them phoning is to call them and try to come to some arrangement, but I understand this may be easier said than done, but if you speak to them they will have no reason to keep calling.

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sillygirl1

sillygirl1

Posted
Posted

QQ are outsourced workers on a high commission basis. You can't come to an agreement with them as they like the charges to pile up.

 

What you need to do is

 

When they phone ask who is calling and then email the company telling them that X called at X time and you wish everything in writing, due to the fact that you cannot deal with complex issues on the phone. If they call again at work tell them you are going to the police (you do have that right anyway) and also contact the following

 

http://www.consumerdirect.gov.uk for Office of Fair Trading (against OFT guidelines to call at work anyway)

http://www.tradingstandards.gov.uk for Trading Standards

 

Remember negotiation with this lot is nigh on impossible, and only stick to the original loan amount and one months interest as per Section 87 of the CCA. You may get 'we don't work with the CCA Act" and you tell them "in that case you are operating as illegal loan sharks" and report them accordingly.

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sarahlloyd

sarahlloyd

Posted
  • Author
Posted

Thanks. I've been negotiating with them for almost a month, and so far their idea of repayment plan is one payment of XXX.XX all at once.

 

Yay.

 

Being told by my boss that they rang his office for me was just awful :(

 

Also dealing with cash genie, PDE, txtloan, capital finance one and cheque centre. So far only cash genie have been helpful, which came as something of a surprise. They jumped over themselves to give me their bank details!

 

Cheque centre is an odd one as it's an in store loan, but the staff have actually been great and have frozen charges while we work something out.

 

Great advice about taking names when they call, because I'm pretty sure they are only staffed by robots at this point, judging by their emails. Or possibly convicts in a big, money making American jail.

 

Ramble over, I have anxiety issues and PDL companies get me jittery.

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sammisweetheart

sammisweetheart

Posted
Posted

Hello there!

 

I actually work in debt recovery and a customer/debtor asks you to remove their telephone number (especially a works one) we HAVE to remove it. If you've already done so but they've ignored it try and get his name (if it's the same man calling obviously). It is actually harrassment if we ignore this request so make sure it happens. If you can actually prove they are delaying a payment plan agreement so interest can be added then make a little diary of everything, make a copy and write to them (along with yet another formal request to stop the calls) and say you're going to take it further if it isn't resolved. As long as you are actually attempting to resolve this of course...

 

As for your other creditors it might be worth writing to them with a request for all correspondence to be in writing also and try work something out with them.

 

If you are struggling financially or even advice on how to send a letter to them then please go to the CAB or CCCS. All DCA'S now must cease action/interest for at least 30 days if you're dealing with a 3rd party. It's a policy called treat customer's fairly and The Lending Standards Board do regulate that.

 

Hope this helps, please don't bury your head in the sand.

 

Sammi

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Guest QuickQuidCustomerService

Guest QuickQuidCustomerService

Posted
Posted

Hi sarahlloyd,

 

You can request that we not phone your employers by contacting QuickQuid Customer Service by phone or email.

 

I can assure you that QuickQuid Customer Service representatives are friendly and helpful. Our customer service line, email address, and live chat are staffed by REAL people 24 hours a day, 7 days a week, which is one of the reasons our customer service rating is so high. I’m a real person responding to you right now, in fact! :-)

 

We do our best to negotiate with all of our valued customers in order to satisfy their needs. Of course, negotiations are on a case-by-case basis as every situation is unique and we treat it as such.

 

I hope that this info helps!

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sarahlloyd

sarahlloyd

Posted
  • Author
Posted

I spoke to soon about cash genie, even though I'm in repayment plan they "attempted" to take the entire amount today. I say attempted, as sadly my card was mysteriously stolen when my PDLs defaulted. Funny, that.

 

Now threatening to start adding charges. Sent several emails, heard nothing. Oh, and they rang my employer this morning. No, not happening.

 

QQ have gone very quiet also. No responses to my emails. I just want to get something sorted!!

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  • 1 year later...
Ceri Thomas

Ceri Thomas

Posted
Posted
QQ are outsourced workers on a high commission basis. You can't come to an agreement with them as they like the charges to pile up.

 

What you need to do is

 

When they phone ask who is calling and then email the company telling them that X called at X time and you wish everything in writing, due to the fact that you cannot deal with complex issues on the phone. If they call again at work tell them you are going to the police (you do have that right anyway) and also contact the following

 

http://www.consumerdirect.gov.uk for Office of Fair Trading (against OFT guidelines to call at work anyway)

http://www.tradingstandards.gov.uk for Trading Standards

 

Remember negotiation with this lot is nigh on impossible, and only stick to the original loan amount and one months interest as per Section 87 of the CCA. You may get 'we don't work with the CCA Act" and you tell them "in that case you are operating as illegal loan sharks" and report them accordingly.

 

I know this is an old thread but thanks sillygirl for providing this info! I've had similar issues with payday express so will follow what your recommend here also... sounds like quickquid are equally as bad... although from what I've been reading there are know good payday loan companies out there.

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  • 1 month later...
Jimmy99

Jimmy99

Posted
Posted

Thanks Ceri , it was more of a rhetorical question ...i.e isn't it to do with Defaults and nothing to do with loan+1months interest

 

Nothing makes a debtor (how i hate that word) look more foolish than quoting inaccurate regulations. It's a bit like saying that an agreement dated 2010 is UE due to S127(3) as that had been long repealed at that time

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