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    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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    • Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Response from Minicredit about FOS complaint


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OK I heard back from the FOS who basically said that Minicredits charges were fair & I have to pay them everything they ask me for as they have their rates & charges written in their terms & conditions.

Not happy basically :-(

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You can appeal against it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I would try and clear the debt with OPOS if you can Daz. You say they are happy to settle at £230 - did you get a response from them as to whether this could be split over a few months? Does this £230 reflect your original loan/interest because it sounds like they have dropped the additional Mini Credit charges.

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OK I heard back from the FOS who basically said that Minicredits charges were fair & I have to pay them everything they ask me for as they have their rates & charges written in their terms & conditions.

Not happy basically :-(

 

Not good. I'm currently waiting for the fos to come to a decision regarding my Minicredit loan.

Not very confident that they will find in my favour now:|

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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FOS dont seem to be following the rules lately. They seem to be simply rushing the cases throiugh as fast as possible to hit targets.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If its still with OPOS get in touch with them to make a settlement payment plan and it's likely they will wipe the extra charges.

Should I do that or should I be waiting for the Fos?

If they rule against me I will land up having to pay Minicredit the full amount? No?

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Youve made my mind up! Im gonna make an offer of repayment to opos,not waiting to get bombed out by fos!

 

Original loan was £400 plus £100 interest less £50 that they managed to rape from my old account so £450 is the amount im due! I'll offer them £50 a month,no more no less!!!

Wish me luck!

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Youve made my mind up! Im gonna make an offer of repayment to opos,not waiting to get bombed out by fos!

 

Original loan was £400 plus £100 interest less £50 that they managed to rape from my old account so £450 is the amount im due! I'll offer them £50 a month,no more no less!!!

Wish me luck!

 

They should accept that since my loan amount was similar and they accepted £20 per month.

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  • 3 weeks later...

I've noticed that Minicredit have placed a default on my account which shouldnt have happened if they had actually accepted a payment plan with me - is there any way I can get this removed?

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Only by negotiation unfortunately. They are well within their rights to add one as you did default on the original agreement. You can contest the default by stating that if they had come to an agreement, there would only be late payment markers. Unfortunately with minicredit, you are unlikely to get anywhere with them short of a court case.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

Just received the judgement from fos and low and behold they have agreed with my complaint!!!!:whoo:

 

They have even awarded me a sum of money that Minicredit should pay me or reduce the debt.

They have basically said that I owe them the initial loan +1 months interest + the 1st default fee less the payments that have already been made! They also go on to say that an appropriate repayment plan should be agreed to if needed!

 

However Minicredit have disagreed with the decision and it will now be passed onto another adjudicator to make the final decision.

 

Is this normal? How likely is it that the second adjudicator will agree with Minicredit?

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Depends on the reasons minicredit put forward. Theyre basically pushing their luck with them, as theyve added on a ton of false charges, and if they admit they are wrong, there could be further repercussions.

 

If the adjudicator decides to side with minicredit, you need to demand full and complete reasoning why they sided with Minicredit when they have openly, and willingly broken multiple laws and regulations. Since the FOS upholds the complaint, they are party to this la\w breaking and allowing violation of regulation/guidance to go unabated.

 

Never be scared or ashamed to call them out on their failings. As with anything, its the only way theyll learn.

 

Chances are that your complaint will be upheld anyway. but if it isnt and minicredit do win, make sure you complain as loud as you can to as many outlets as you possibly can, because as ive said above, the FOS would be seen as complicit in the breaking of guidance, regulation and law.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thats kinda what I thought.Someone else at fos wouldnt go against a fellow college very often.

 

They did ask if theres anything else I wanting to add I should do by a certain date.

Should I? I mean should I thank them for their decision?

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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If its the FOS that said that, they mean to simply send documents if you have them, telephone recordings, things like that. The last thing you want to do is berate them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

fos back in touch saying that minicredit emailed asking them if they could try and come to an arrangement directly with me!

The nice man at fos said he has no objections to this and went on to say I might even want to get in touch with them! pfft FAT CHANCE!!!

Cant wait for the begging letters/emails to start,shoe on the other foot comes to mind! lol

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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I would email back the FOS stating that you have already tried this, and wish to keep everything in writing, so email is your preferred format. Tell the FOS that Minicredit (include some of the threads on this post in the email) have a history of making an arrangement and going back on it.

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