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    • Hello I hope someone can give me some advice here, as I am at a bit of a loss on how to proceed. This relates to alleged offences under the RTA. Yesterday I received a notification from the local police of intention to prosecute for the following offences: 1 driving without due care and attention 2 failing to stop at a road traffic accident 3 failing to report a road traffic accident At this stage they have only asked me to say whether I was the driver at the time or not and provided a blank sheet of paper to give information about the incident. Going by the location (just round the corner from where I live) I can only imagine this relating to one recent incident, which wasn't actually an accident but more of a road rage event. I was driving past someone unloading or working next to his lorry which had stopped in the road. I wasn't going fast or anything, while I went by lorry man turned around and punched and kicked my car whilst going past him. I stopped and got out and wanted to know what he thought he was doing punching and kicking my car. He then hurled some verbal abuse at me, swearing and he was quite aggressive. I still didn't know what his problem was and said I would report him to his company for threatening behaviour and vandalism for punching my car. I got my phone and tried to take a photo of his lorry and number plate but at that moment he came right at me, still shouting and swearing, so I was worried he may hit me next, as he already punched my car. I thought if the guy hits me I will come off second best, so I decided to retreat. I quickly got back into my car and left. When I checked my phone later the photo I tried to take was blurred and useless, so I thought it was pointless to report the incident to the police, as the guy would not be traceable. Over that I forgot about it until I got the letter yesterday in the post. This is the only thing I believe this can relate to, but I have no idea based on what the three above allegations come from There was no road traffic accident, more of a road rage incident. So I am at a loss what to do. I have 28 days to respond. Should I just say yes I was the driver and was there and see what happens next, or should I already make a written statement on the attached piece of paper they sent me and send that with it ? Is there anyone here who would have a rough idea what to do next ? I tried my legal advice line through my Union, but they have sent me from pillar to post, now say it needs to go to a different department again and that would be chargeable as the RTA comes under Criminal Law. So any advice would be appreciated Many Thanks
    • So a quick update got bounced around two different departments and managed to speak to a DVLA bod , explained the situation and they could see the overlap and that DD payments had been made from Feb , also no formal remiders prior , they gave me a number for the legal dept who I am calling this morning to see what they can do in terms of the SJP notice , still have time to submit this online.  Will update after my chat this morning 
    • filed the defence at same time as suggested @dx100uk
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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.

      Frankly I don't think that is any accident.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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

Barclays Loan


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Hey guys just a quick question,

 

My partner has a Barclays loan which she is repaying via a DMP. The current balance is around the £8200 mark and at the rate she's paying on the DMP it'll take her 11 years to repay the amount owed.

 

I recently made a Full and Final on an old debt of mine for £440 to clear a £1500 debt and was quite chuffed :D

 

My question is I currently have a little over £1500 in savings and was wondering if realistically Barclays would accept an offer of this amount in Full and Final to clear her debt? Especially considering that at around £50 per month Barclays will still be receiving payments from her for the next 10 years.

 

I know it's only a small amount but I didn't really want to get in contact with them and embarrass myself if they blatantly refused and jumped up closer to £4-5000 for me then have to tell them I can't afford it and close the door on any chance of an F&F in the near future!

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any reclaiming to do first? PPI/PENALTY charges?

 

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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Hi. no PPI or charges involved,pity, is the DMP direct with Barclays or an outside DMC such as CCCS?

 

In general the best financial settlement deals happen when the Original Creditor has sold the debt to one of the numerous leaches in this market.so how long has the DMP been running?

 

Regards FS

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The DMP is with CCCS and has been running for two years and will still potentially run for another 11.

 

Unfortunately though the debt is still with Barclays and not an outside DCA as I would prefer. Barclays have accepted the low DMP offer and have been receiving a minimal amount for just over two years.

 

It was actually my partner calling Barclays 2 years ago to tell them that she couldn't afford the payment due to losing her job that a Barclays advisor told her to go to CCS go a DMP

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Not the answer you are seeking,from my own experience Barclays have a tendency to hang onto the debts rather then sell them on.This is not engraved in stone however..

 

On the brighter side CCCS have set up a new division for Final Settlements ,it is very new, so to date no track record,however you can ask CCCS without having to commit to anything

 

Regards FS

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Ok guys need some advice on how to follow.

 

I contacted Barclays today as a third party and spoke with the collections dept. they've told me the full balance and the only settlement offer they are willing to listen to is 50% which is just over double of the maximum limit of funds I have to offer. I explained our situation and told them unless they were willing to accept my offer then they will be receiving minimal payments for the next 11-12 years but they still wouldn't budge from 50%

 

So, is this the end of it and that's what I have to raise or does anyone have any tips and tricks on how to get them to budge a little lower?

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there is a reason they are offering 50% i bet

 

pers i'd sar them.

 

and def check they are not upto anything.

 

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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Ok and if I send a sar template request what do I need to look for in the information?

 

The loan was only taken out in Jul 09 and as the debt has never left Barclays I can't imagine they would have "Lost" any information.

 

What exactly will I be able to do with this information when I receive it?

 

Sorry I've never done this before as I've never had a loan of this size and never really had problems getting an acceptable F&F figure on the 3-4 loans I've personally had as I've only had to do this twice.

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to get a copy of all the statements.

 

unless you already have them?

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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time to sar then.

 

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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Ah I see, sorry - 2009. I would continue to pay the £50 then and try again in a year or so or after it has been sold on. Barcalys are now more reasonable to negotiate with than the DCA's in my experience. Make sure the interst remains frozen and try again another time.

 

It's cool, my father in Law just gave me the difference and I've just got back from paying it at the Bank.

 

It's all done now and finished and we are now:

 

DEBT FREE!!!!!!!

 

Woooooohooooooo!!!!!!!!!!!!!!!

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ok well when the sar comes back

the reclaiming will go to your pocket then

 

i really do hope they are going to mark your debt as settled and not PARTIAL settlement

 

else it'll comeback and bite you.

 

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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I made sure I received it in writing from Barclays first before I made payment.

 

Told them I wasn't paying a penny unless they did. I have confirmation that they payment was made as well as I went into my bank and got the cashier to make the payment so I could get a receipt for it as well as the transaction on my Bank statement.

 

Just waiting for them to send a letter to confirm payment received and acc closed.

 

Also wrote notes of all dates and times of telephone conversations and full names of persons spoke to.

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