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    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since their only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept their offer. If he declines or ignores it they will take option (3). Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still not heard anything, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me. 
    • Looks similar to you original email to their Complaints team. I dont rate copypasta for a CEO complaint. Rewrite it with emotion involved as to how badly this is affecting you and make them feel embarrassed for their actions... 
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    • STAT OF THE DAY $600,000 Texas Democratic Representative Henry Cuellar and his wife have been indicted by federal prosecutors on charges of conspiracy and bribery, after allegedly taking nearly $600,000 from a Azerbaijani-controlled company and a Mexican bank, according to the US Department of Justice.   Read more
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Tbi help


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Hi ,

 

I cca TBI and they supplied the paperwork within the 12 days they asked me to provide income & exp details , do i have to suplly them currently paying them a fixed amout each month and have never missed a payment , what is the score with this ,

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Was the CCA compliant?

No you are under no obligation

to supply I&E details, stick to your

payment, if they continue to press

fot the info just thank them for pointing

out the need to do anI&E and tell you

have done so an you have to reduce

your payment by 50%.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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urm TBI

 

theis lot are well lnown for spoofing people into paying old HFC debts that are already written off or sb'ed

 

please post more info and check your cra file pronto.

 

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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no they never will

 

more history

 

why have you been paying this if its not on your cra file

 

as usual with tbi

something smell bigtime here

 

cancel you payments

 

more timeline history please

 

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...

they have no legal right to know ANY of your pers financial details

 

only a JUDGE can order that.

 

have you cancelled your payments yet

if so do so.

 

.....

 

can you tell us the history please

 

TBI are well known for spoofing EX HFC debtors when the debt is already written off against tax

or

is previously SB'ed

or

is mostly penalty fees and PPI

which can be reclaimied nulling the debt.

 

 

can you scan up the agreement please:

 

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

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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When we refer to SB'd....this means statute barred, so if you haven't made any payment or acknowledged the debt in 6 years (5 in Scotland) OR if there is a gap of at least 6 years where you have not made a payment (despite you paying recently) then it will be statute barred. Is there a gap of 6 years anywhere in the payments ?

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well you've been well had for insurance

 

get reclaiming

 

£35.75PCM from your 1st payment

all the way through to today

 

nice big windfall there

 

there's rarely nowt wrong with any HFC CCA ever . so put that one to bed.

 

see the fax was 76 pages

do you have all the statements now too?

 

something is very vrey wrong if theis debt is not cleared by now

 

in total you'll pay +£11k on a £5k loan!!

 

and i notice this was a rolloover from a previous loan

 

i'd hold that PPI reclaim!!

 

your windfall has just doubled atleast!!

 

have you got any details of the old loan

 

as you'd have had PPI on that

 

so PPI on PPI & PPI int on PPI int ...bingo ...diddled blind!!

 

what are you currently paying

 

and have you now stopped?

 

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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have you all the HFC statements?

 

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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That is interesting....you mention having paid £10 per month, was this an agreed amount ? Were you paying HFC £10 per month under an agreement to pay this amount ? If this was an agreement (that you pay £10 per month) then you MUST keep paying it, as they can't take you to court due to promissiary estoppel - This is what I mean - http://www.consumeractiongroup.co.uk/forum/showthread.php?318698-Connaught-Collections-Statutory-Demand-Received-**SET-ASIDE-GRANTED**/page4&highlight=estoppel

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