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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.
    • 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.  
    • 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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Santander Store card PPI NOT upheld


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BAD NEWS!

 

Got letter from Santander stating that 'the insurance was set up on my account on 20th April 2004 blah blah It was sold to you over the phone by one of our advisors who explained the main features of the product and the price. The insurance was added to your account because you chose to do so. However you had an opportunity to change your mind as once you decided to take the product, a policy summary and policy document were mailed to you for your review. blah blah I understand you believe that you are not covered by Account cover insurance, as you are now self employed.However, you are covered by the insurance as I can confirm that being self employed does not exclude you from the main benefits of the cover.

 

Since then shown on your statement blah blah

 

I can find no evidence of mis-selling this insurance; therefore I am unable to refund the premiums applied to your account.

 

blah blah

 

ref to finance & leasing Association' (who the hell are they)

 

I had no need for this insurance as the credit limit was only £400 and I only used it once in store to buy my pram as they gave me 10% off, I lived with my now husband and between us could have covered this no problems at the time and bearing in mind I'd ticked no on my MBNA form and that had a CL of £3500 I'm guessing you can see the bigger picture that I'm not really and insurance person although I understand this won't necessarily make a good arguement wink.gif

 

Any thoughts, letter back stating even if it was 'sold to me' over the phone (I have NO recolection of this however I had a 6 week old baby on 20th April) I had absolutely NO need for it?

 

thanks in advance

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Hi

I got a very similar letter from Santander and so have others.

Have a look at my thread as I was referred to FLA , which is the norm as they were not regulated before 2005 so FSA does not apply. By the way I don't really understand this issue of not being regulated!

 

However it does give Santander an excuse to pass the buck.

 

I am just a little ahead of you , so have a read of my thread. Sorry I don't know how to insert a link!

 

Regards

W

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well obv they will say that

what did you send them?

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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  • 2 weeks later...

the same letter I had sent to MBNA and Capital One who upheld. I've emailed them back stating I don't accept their decision and they need to send me my original agreement (which I know I didn't tick, I never did, never will do) and a transcript of this 'supposed' telephone conversation. I got an email back saying it had been passed to the relevant person, so i'm also wondering who the heck dealt with it in the first place:???:

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