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    • Thank you honeybee if you would my head is mashed now. You guys our savers.  H
    • You can edit the answers to be in red or would you like me to do it? HB
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    • Which Court have you received the claim from ? Northampton  Name of the Claimant ? Overdales solicitors  How many defendant's  joint or self ?  Self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  13 may 2024 What is the claim for – the reason they have issued the claim? the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account 4546384809766042. The defendant faild to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. The dbt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?   Not to my knowledge. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  Online but it was for a smaller amount they kept on increasing this with me asking Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  It was assigned to a debt collection agency  Were you aware the account had been assigned – did you receive a Notice of Assignment? yes  Did you receive a Default Notice from the original creditor?  Yes I also made offers to pay original creditor a smaller amount but was not replied to Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No Why did you cease payments? I was made redundant and got a less paid job I also spent some time on furlough during covid and spent some 3 months on ssp off work. What was the date of your last payment?  May 2021 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes at the time I communicated with all my creditor's that I was running out of funds to pay the original agreements once my redundancy money ran out that was when my accounts defaulted. I then wrote to all my creditor's with pro rata offers of payments but debt collectors took over the accounts.
    • Just an update for all. I received about a letter every other week, increasing in threat levels. Then I hadn't had one for a about two weeks, then Saturday received a carbon copy of the very first letter they sent me in February. Made me laugh, rinse and repeat. 
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speeding fine /no proof of speed


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im writing this for a friend he is a lorry driver

and was driving away from work in his car at 2am [roads empty] on the m4 through roadworks

he was then pulled over by a plain police car and was issued with a ticket for speeding ,

 

when my friend asked what speed he was doing the officer said over 50 becuase he had followed him for a mile

,the police car was not fitted with any speed recording device or cameras .

 

my friend challenged the ticket and went to court where upon the judge gave him a £400 fine and 4 points on the word of the officer,

because he had been a police officer for 15 years and was reliable .

 

surely this cant be fair justice, he is going to see a soliciter to see where he stands

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That doesn`t sound right? But I am sure others will be along soon. Thought they had to have real evidence these days...

 

I believe that on a motorway the opinion of one officer that a vehicle is speeding is all that is required. Even so, the car may have a calibrated speedo fitted in which case that officer can corraborate his judgement with hard facts.

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.my friend challenged the ticket and went to court where upon the judge gave him a £400 fine and 4 points on the word of the officer, because he had been a police officer for 15 years and was reliable .

surely this cant be fair justice, he is going to see a soliciter to see where he stands

 

What evidence did your friend have (other than his denial) that he was not speeding? If he didn't have any, it would have been better to have consulted a solicitor before the hearing, who no doubt would have advised him not to bother and accept the fixed penalty. Consulting a solicitor after the event is pointless and a waste of time and money.

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In the case of alleged speeding on a motorway the opinion of a single police officer is sufficient to obtain a conviction. Elsewhere the opinion would require a degree of corrobration either from a suitable device (laser, calibrated speedo) or from a second officer. Unfortunately, on the basis of the OP's post, there was good grounds for the conviction. The OP's friend would have been well advised to accept the ticket as he would now have 1 point less on his licence and be £340 better off.

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all wrong in this day and age, they should have proof.

I got accused of doing 70 in what was then 50 and I was doing 40ish

shouted at them and told them what I think and they went all calm and let me go, I was actually below the limit

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at the end of the day

 

if he was speeding - end of!

 

CAG are not here to assist in avoiding just deserves!

 

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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at the end of the day

 

if he was speeding - end of!

 

CAG are not here to assist in avoiding just deserves!

 

dx

 

but we don't know if he was speeding or not dx. The OP has denied it, the police officer said he was. How do we know who was right?

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which is why i said if.........

 

it does happen

 

only the op's friend knows the truth.

 

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

my friend challenged the ticket and went to court where upon the judge gave him a £400 fine and 4 points on the word of the officer,

because he had been a police officer for 15 years and was reliable .

 

surely this cant be fair justice, he is going to see a soliciter to see where he stands

 

If you got mugged and the only evidence was that it was seen by a Police Officer who identified the attacker in Court would you expect him to be convicted on that evidence or let off because the PC may be lying?

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Yeah but IF he wasn`t speeding then would there be anything you could do???

 

Isn't that the point of going to Court? You go to Court, the Magistrate/Jury hears the evidence and comes to a verdict. No doubt the magistrate listened to both sides and considered the PC more persuasive.

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In the case of alleged speeding on a motorway the opinion of a single police officer is sufficient to obtain a conviction.

I think this point is sometimes overstated. The absolute requirement for corroboration doesn't apply, but the officer's opinion would still have to be sufficiently convincing for the court to find beyond reasonable doubt that the defendant was speeding. If it was generally enough then the police wouldn't bother with expensive speed detection equipment; they'd just send a plod to stand on a flyover and write down the numbers of the cars that he thought were speeding. In fact, when I asked a traffic cop of many years experience about this he told me that he'd never heard of an actual case where someone had been charged, let alone convicted, on the strength of an uncorroborated opinion.

 

All of this is academic in this case of course as the officer presumably checked the OP's friend's speed against his own speedo, which would generally be enough to secure a conviction even on a non-motorway.

 

As for the original question - the OP's friend can appeal to the Crown Court within 21 days of the conviction if he wants to, but he would risk extra costs if he lost, which is very likely by the sound of it.

Edited by Aretnap
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I think this point is sometimes overstated. The absolute requirement for corroboration doesn't apply, but the officer's opinion would still have to be sufficiently convincing for the court to find beyond reasonable doubt that the defendant was speeding. If it was generally enough then the police wouldn't bother with expensive speed detection equipment; they'd just send a plod to stand on a flyover and write down the numbers of the cars that he thought were speeding. In fact, when I asked a traffic cop of many years experience about this he told me that he'd never heard of an actual case where someone had been charged, let alone convicted, on the strength of an uncorroborated opinion.

 

All of this is academic in this case of course as the officer presumably checked the OP's friend's speed against his own speedo, which would generally be enough to secure a conviction even on a non-motorway.

 

As for the original question - the OP's friend can appeal to the Crown Court within 21 days of the conviction if he wants to, but he would risk extra costs if he lost, which is very likely by the sound of it.

 

The PCs opinion that the driver was speeding is corroborated by the speedo of his car, if he was just standing on a flyover he would have no way of knowing how fast traffic was moving.

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The PCs opinion that the driver was speeding is corroborated by the speedo of his car, if he was just standing on a flyover he would have no way of knowing how fast traffic was moving.

Yes, that's what I said. Except that it's not that difficult to spot a car which is going too fast, especially for an experienced observer. On a motorway the court would in theory be free to convict based solely on his opinion with no corroboration at all, but the fact that they could does not mean that they would or should.

 

Graham confirmed the right of the courts to convict someone of speeding based solely on the opinion of officers standing by the roadside - in that case it was two officers standing next to a non-motorway.

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If he wasn't speeding, then what is the significance of explicitly pointing out that the motorway was empty? Isn't that normally a way of saying 'well yeah I was, but I wasn't doing any harm, was I?'

I understand your logic but were the prevailing traffic conditions heavy, for example, then wthat would be viewed as an indicator of greater harm and may result in a greater sentence.

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If he wasn't speeding, then what is the significance of explicitly pointing out that the motorway was empty? Isn't that normally a way of saying 'well yeah I was, but I wasn't doing any harm, was I?'

I understand your logic but were the prevailing traffic conditions heavy, for example, then wthat would be viewed as an indicator of greater harm and may result in a greater sentence.

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