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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • 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 the 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 and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  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 heard nohing, 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 in these circumstances  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.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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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.

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Studio Debt Passed To Debt Collector


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std threat-o-gram

 

read is properly

 

it says every word but WILL.

 

if, might, could, instruct. etc etc

 

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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std threat-o-gram

 

read is properly

 

it says every word but WILL.

 

if, might, could, instruct. etc etc

 

dx

 

Thank you, it does say they will be doing the solicitor thing but seems a bit harsh for a catalogue debt in my humble opinion, I'm just sitting right at the moment as they said they would send collectors round if I ignored a previous letter. They haven't knocked yet ..

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hehe the old solicitor gag.

 

that'll be the bloke at the next desk in a diff a diff skirt.

 

fake/tame solicitor.

 

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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  • 1 month later...

Update.

Hi all! Today I've received a letter from gpb solicitors, legal action pending. Full payment is expected within 10 days. It says a county court judgment MAY be obtained and if awarded further costs will be added. Also says if judgement is obtained they may have my personal belongings seized by a county court bailiff? Really?

This is doing my head in now :0/

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Ha ha ha ha ha ha, they still farming those immature letters out eh!

 

Full payment won't be forthcoming, so they can stop willy waving, oh and as for bailiffs??? If they have put that in writing then a copy of that defo needs to be sent to the OFT&TS, for bailiffs to attend and steal a persons property, first you have to go to court, there you will put in a defence, IF the judge decides that you should be subject to a CCJ, then the Judge will order you to pay a set amount each month.

 

Then IF you fail to pay said amount, they have to go back to court, which you can attend and defend, where they will ask the judge to look at other options to recover the money, ONE of these options is to instruct 'court certified' bailiffs.

 

So until then they can put up or shut up, your a million miles away from bailiffs.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hows this going?

 

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...
hows this going?

 

dx

 

Hi!

I've heard nothing else yet since the last letter saying the above. This seems to be a pattern, it goes quiet for a few weeks then I get a letter through .. So still none the wiser or further on it seems

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Ha ha ha ha ha ha, they still farming those immature letters out eh!

 

Full payment won't be forthcoming, so they can stop willy waving, oh and as for bailiffs??? If they have put that in writing then a copy of that defo needs to be sent to the OFT&TS, for bailiffs to attend and steal a persons property, first you have to go to court, there you will put in a defence, IF the judge decides that you should be subject to a CCJ, then the Judge will order you to pay a set amount each month.

 

Then IF you fail to pay said amount, they have to go back to court, which you can attend and defend, where they will ask the judge to look at other options to recover the money, ONE of these options is to instruct 'court certified' bailiffs.

 

So until then they can put up or shut up, your a million miles away from bailiffs.

 

Thank you for the advice, as yet I have heard nothing else from them ..

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did you ever look for PENALTY charges

 

bet there are loads

 

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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did you ever look for PENALTY charges

 

bet there are loads

 

dx

Yes, I saved the statements once I told them I couldn't afford the monthly payments. Without checking there was either 3 or 4 lots of £20.00 charged as default sums

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  • 5 weeks later...

laugh!

 

discount letter is next

 

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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laugh!

 

discount letter is next

 

dx

 

I have been offered a reduction twice via letter from this company but I'm not happy about a man calling at my home. I'm in the process of seeing if I can do a debt plan so the company can deal with them, I'm at a loss as to what else I can do

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did you ever get your CRAfile?

 

and WHEN did you take this cat out?

 

lastly DO NOT ENTER INTO A DMP.

 

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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did you ever get your CRAfile?

 

and WHEN did you take this cat out?

 

lastly DO NOT ENTER INTO A DMP.

 

dx

 

What's a CRA file? I had the catalogue maybe 5/6 years. A friend is using a DMP and she has had no hassle at all (touch wood) can't remember the company name off hand but they dealt with it and she pays so much a month which is split up

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What's a CRA file? I had the catalogue maybe 5/6 years. A friend is using a DMP and she has had no hassle at all (touch wood) can't remember the company name off hand but they dealt with it and she pays so much a month which is split up

 

i hope it NOT a fee paying one!!

 

the trouble with DMP's is they rarely CHECK the debt IS enforceable esp the fee paying companies.

 

they DONT CARE if you REALLY do owe the money or not

as

9/10 they are FUNDED by the DCA's and i many cases the DIRECTORS are the sme people or inthe same bed.

 

then they come along a few months later going on about PPI & PENALTY charges reclaiming

 

then the company they fwd you too, ALSO take a large cut of your reclaim

 

IF it is NECESSARY to do a DMP

you can do it YOURSELF FOR FREE

 

same as RECLAIMING...di it YOURSELF FOR FREE.

 

 

now your CRA FILE....

 

again you are taking it AS READ that you OWE this money.

 

if its NOT on your CRA FILE.

 

odds on - ITS NO OWED.

 

and NEEDS INVESTIGATING.

 

please DO YOUR HOMEWORK FIRST.

 

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 hope it NOT a fee paying one!!

 

the trouble with DMP's is they rarely CHECK the debt IS enforceable esp the fee paying companies.

 

they DONT CARE if you REALLY do owe the money or not

as

9/10 they are FUNDED by the DCA's and i many cases the DIRECTORS are the sme people or inthe same bed.

 

then they come along a few months later going on about PPI & PENALTY charges reclaiming

 

then the company they fwd you too, ALSO take a large cut of your reclaim

 

IF it is NECESSARY to do a DMP

you can do it YOURSELF FOR FREE

 

same as RECLAIMING...di it YOURSELF FOR FREE.

 

 

now your CRA FILE....

 

again you are taking it AS READ that you OWE this money.

 

if its NOT on your CRA FILE.

 

odds on - ITS NO OWED.

 

and NEEDS INVESTIGATING.

 

please DO YOUR HOMEWORK FIRST.

 

dx

 

Hi!

No I have not checked CRA but I know I bought items so therefore want to pay, just cannot afford the payments no more. I realise they are probably not enforceable so I do see your point, it's frustrating I must say.

As far as I'm aware the management plan she took didn't charge her, it's something I'm going to look at tonight and see what I should do. I just hate that a collector has been to my home, makes me feel rubbish.

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dirty man in old bomber jacket with clipboard

has NO legal powers and are NOT BAILIFFS

 

you should NEVER EVER pay a doorstepper

 

time for a CRA file look me thinks

 

see below.

 

 

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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