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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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    • We have finally managed to obtain the transcript of this case.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi Paul

Who are you PDL's with ?

Give them a basic income and outgoing.

I have only ever given them

 

Income £****

Outgoing £****

Available for creditors £***

Available for repayment to yourselves £**

5 out of 6 have accepted this, Minicredit being the only one to demand more. But I have never given any further info.

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Ahh. The usual three. as frugal said, give them a very basic income form, but do not give them ANY specific creditor information such as reference numbers or even names of creditors.

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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Paul

PDUK were okay to deal with, PDE were stubborn but rene's advice was bang on and I just kept on and on emailing, eventually they gave in to a repayment plan. Minicredit as you know are ongoing.

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Thank you. I owe PDUK about £80. Not a lot I know, but I could still do with spreading it over 3 to 4 months. PDE I owe £360. Not sure how I am going to pay that. Can't really say what I owe Minicredit because It seems to increase daily. About £530 so far not including the £60 quid they managed to loot from my account.(Original loan was only £100!!!). FrugalJo, I have been following your saga with Minicredit with much interest....

I will send them all a basic I&E first thing. Thanks for your advice. Have a good weekend guys!

Paul

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With minicredit, work on the basis you only owe the original loan plus interest. They LOVE to add on random charges for anything and everything, and none of them are legally enforceable.

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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Whatever was on your agreement is what you owe.

 

A creditor is allowed an I&E form if you want them to consider a repayment plan. However, they are not allowed any specific details and they are not allowed to inflate your proposal for repayment. They can either say yes or no. They arent allowed to suggest a higher rate.

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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A creditor is allowed an I&E form if you want them to consider a repayment plan. However, they are not allowed any specific details and they are not allowed to inflate your proposal for repayment. They can either say yes or no. They arent allowed to suggest a higher rate.

 

Actually, for the best chance of getting any creditor to accept a repayment proposal is to send a comprehensive I&E complete with info about other creditors. This way the creditors can all see that an offer is fair and reasonable. They could suggest a higher rate if the figures listed within the outgoings are over recommended guideline figures - and such figures are quite generous.

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What i meant was that specific names/references shouldnt be given. You can list it as "credit card 1: " Personally i wouldnt give them more details, as you never know what a PDL would do with the info. Remember Andrew Hart? The guy who actively went looking for people who had access to the NI database, so he could get peoples employment details in order to contact the employer? He was posting on linkedin and i think twitter as well.

 

I think that thread is still around somewhere.

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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The reason i mentioned ref numbers was because a while ago we had a report or two that some PDL's were asking for a reference number to ensure the debt was real.

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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The reason i mentioned ref numbers was because a while ago we had a report or two that some PDL's were asking for a reference number to ensure the debt was real.

 

Don't give that info out. It's not necessary.

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  • 2 weeks later...

Minicredit sent me a letter today. I owe over £600 now on a £100 loan and they say they are sending a doorstep collector. I couldn't care less about the collector. I just wish they'd communicate properly. They still havn't sent me a breakdown of the account despite me asking three times. It's almost as if they are delaying things on purpose so they can add the charges...:| Does anyone have any advice on my next step with these clowns?

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  • 2 months later...

Minicredit have finally emailed me a breakdown of the account...

1. Loan principal GBP 100.00

2. Interest in total GBP 145.00 (1% of the Principal per day)

3. Overdue penalty GBP 25 (was added on the 1st day overdue)

4. Overdue penalty GBP 55 (was added on the 3rd day overdue)

5. Debit Attempt fees in total GBP 640.00 (every unsuccessful attempt to receive the repayment costs up to GBP5)

6. Debt Recovery fee GBP 100 (was added on the 30th day overdue)

They go on to say I have payed £90 which leaves the total outstanding at £975. I don't know wether to laugh or cry!

They also say 'According to the Loan Agreement You have to make all payments with a debit card and the only possibility to make payments is available on Your MiniCredit.co.uk online account.' Although my account is now blocked!? Can anyone advise me how to handle this as it seems to be getting out of hand. Thank you.

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Ok. I'm going to reply to minicredit to tell them that the penalty charges and debit attempt fees are unenforcable but that I am prepared to make payments to the original loan amount and the interest to date. I think this is fair and it would reduce what I owe by about £800. Im not really expecting them to accept but I'm going to try!

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Dont say theyre unenforceable. Say that you consider them unfair and you are placing the account into serious dispute until the charges are removed in full or they can justify the amounts they are applying.

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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Unless.opos own the debt, just deal woth minicredit.

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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