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    • In the very first claim thread it mentions contacting the claimant is encouraged by the court etc. I was thinking about contacting them and asking about a Tomlin order to put an end to all this, at least I'd be able to stop worrying and maybe get some sleep (currently 4.52am) 😴
    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. The defendant has failed to remedy the breach in accordance with a default notice issued pursuant to ss. 87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes   Did you inform the claimant of your change of address? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.' Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer. I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved. I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
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scaniaman

Road Traffic Act?...drivers MUST use dipped headlights in poor weather conditions

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It is my understanding that there is a law, part of RTA, which states that drivers MUST drive on dipped headlights in poor weather conditions. I have just been advised that this rule is only when visibility is less than 1/4 mile.

Can anyone quote which section of rta this comes under?

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The relevant law is The Road Vehicles Lighting Regulations 1989 Regulation 24(1)(a)(ii). It forbids any moving vehicle being used without lights "in seriously reduced visibility between sunrise and sunset".

http://www.legislation.gov.uk/uksi/1989/1796/regulation/24/made

 

The Highway Code further explains that this is generally when visibility is reduced to 100m (328 feet) or less.

https://www.gov.uk/driving-adverse-weather-conditions-226-to-237

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All modern cars are now fitted with daytime running lights as a safety feature.


PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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All modern cars are now fitted with daytime running lights as a safety feature.

 

But they are only at the front. Tail lights only come on when side/tail is switched on. Personally, I don't like daytime running lights. Good drivers don't need them.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.


Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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All modern cars are now fitted with daytime running lights as a safety feature.

 

And vans :)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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But they are only at the front. Tail lights only come on when side/tail is switched on. Personally, I don't like daytime running lights. Good drivers don't need them.

 

 

My view it's not for good drives it's for the idiot coming the other way.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Good drivers do need them to alert other drivers as to their presence----especially dark coloured vehicles as opposed to a white van or truck.

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The point i'm trying to make is that a good driver will know when to use his dipped headlights so he doesn't need day time running lights. DRL's have their drawbacks... for example when a car fitted with them travels over a hump in the road, some of them are that bright that they can dazzle on-coming drivers. In bright, sunny conditions they are completely unnecessary in my opinion.

 

But in any event, it is an offence to drive in poor visibility without using dipped (or normal low beam) headlights.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.


Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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Those day running lights are a pain in the butt. Especially when not correctly adjusted. Blinding the heck out of you. Any driver maintaining good observations, should not be needing extra help from other drivers in the form of these awful lights.

 

If anybody seriously, has problems spotting other cars in good visibility conditions, then they seriously need to question whether there eyesight needs to be checked, or need to improve their observational skills.

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I had collected a new van at work and could not get the lights to turn off, took it to our garage and was told they are always on :|


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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All modern cars are now fitted with daytime running lights as a safety feature.

 

The Volvo mentality, known about in the 70's but not understood to be a medical condition until a few years ago.

 

Apparently these lights when installed, gives the driver the the superhuman power to be totally devoid of blame, by deft use of the oneliner 'Sorry mate, I didn't see you'

at the scene of any RTA.

 

The downside of these lights , especially on smaller vehicles including motorcycles, is the premature demise of the battery and/or charging circuit, and is directly responsible for the increased number callouts by the main vehicle emergency services usually on cold mornings around this time of year..

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Thanks for all replies, but there is gross ignorance amongst drivers as to whether they use side lights or dipped head.

Now, a very controversial subject, and one you can all do your own checks on ------lady drivers!!!! (my flight to south america already booked. )

For some time i had the idea that burds did not put lights on when they should, so one day in p-s---g rain i stopped in a lay by on our local dual carriageway to carry out my own little survey.

Results after 1/2hour :- 69% unlit vehicles driven by burds. 29% unlit vehicles driven by blokes (mostly white vans) 2% unlit vehicles driven by HGV drivers, who should have known better.

What will your checks reveal????

At the end of the day, it is vitally important to BE SEEN as well as seeing don't you think.

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Thanks for all replies, but there is gross ignorance amongst drivers as to whether they use side lights or dipped head.

Now, a very controversial subject, and one you can all do your own checks on ------lady drivers!!!! (my flight to south america already booked. )

For some time i had the idea that burds did not put lights on when they should, so one day in p-s---g rain i stopped in a lay by on our local dual carriageway to carry out my own little survey.

Results after 1/2hour :- 69% unlit vehicles driven by burds. 29% unlit vehicles driven by blokes (mostly white vans) 2% unlit vehicles driven by HGV drivers, who should have known better.

What will your checks reveal????

At the end of the day, it is vitally important to BE SEEN as well as seeing don't you think.

 

100% with you on this but how often do we see or hear the police ever taking any action on this?

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.


Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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Well thank heavens I'm a bird who has a teeny bit of intelligence and never fails to use lights according to conditions. If the rain was so heavy as to cause loss of visibility, then without doubt, I'd use dipped lights. Most times I can get away with side lights. My car being pillarbox red is hard to miss, but yes, some coloured cars in poor conditions are harder to see, but I curse the ones who regularly use full beams when the sun is starting to fade, or who forego any lights when the conditions are poorer. I see far too many drivers each day that are using the incorrect level of lighting according to the conditions.

 

The incorrect use of lights is most certainly not a gender issue though. I have lost count of the number of guys I have passed driving at night with no lights on at all.

 

I see absolutely no point whatsoever to driving in good conditions with good visibility with sidelights on. It serves absolutely no positive purpose but to dazzle. Ain't no fun when you have an Audi or a BMW tailgating with it's damn lights blinding you everytime you look in your rear view mirror.

 

And don't get me started on the guys who think it's cool to drive during the day and night, with all their fog lights a glowing, lit up like a Christmas tree. Or the ones at night who sit with their foot on the brake, blinding the person behind, instead of having a bit of consideration and use the handbrake when stationary.

 

Incorrect light use certainly isn't gender specific, not in my own personal experience anyway. Those awful xenon lights used during the day have caused me to near collide with parked cars on 3 seperate occasions due to their blinding effects. Whereas on many other occasions, drivers exiting junctions at night with no lights, I have been able to avoid issues with due to good observations.

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The incorrect use of lights is most certainly not a gender issue though. I have lost count of the number of guys I have passed driving at night with no lights on at all.

 

 

 

I'll be honest, I see a 50/50 mix of people who see the light from their stupid DRLs and don't remember to turn the headlights on!

 

The amount of times I see people driving about in the dark of night with a dozen white LED's on the front and nothing on the back bemuses me! As do people who manage to drive with no lights at all - I hate the fact that without the lights on, I can't see my instruments at night... So, why can't everyone else make this association?

 

Ahh yes, because the fools that produce these vehicles with DRL's fitted also make the instrument panel lighting come on all the time too, with only a small green light to tell you when your lights are actually on.

 

Absolutely sodding riduculous. We went 100 years with lights being operated the same way, save for the ellipsoid units BMW and Vauxhall started using in the 90's... It's never been an issue until now, where we're told we have to have 20w of light shining from the front of our cars because people are getting slowly more ignorant to the dangers of traffic!

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Well last night reminded me that another big issue driving at night is cyclists with no lights. I was pulling out of my street onto a hill when I noticed 3 fast approaching shadows to my right. Had my observations not been up to scratch, the 3 idiot unlit youngsters would of ploughed straight into me as it would of been impossible for them to stop in time. They simply carried on as if nothing had happened but of course I suppose it would of been my fault had I just simply pulled out in front of them.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.


Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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Not just unlit cyclists, what about the pedestrian wearing dark clothes walking along an unlit road. Can scare the bejeezus out of you.


Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

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Not just unlit cyclists, what about the pedestrian wearing dark clothes walking along an unlit road. Can scare the bejeezus out of you.

 

Yes but you don't often get pedestrians coming towards you in the road doing about 20 mph when your'e turning out of a side road.

 

In my opinion, if you are riding a bike at night without lights, it should be seized by the police (assuming they catch you of course).

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.


Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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It certainly would. It`s always the car drivers fault for not being observant enough. In Oxford where I am the number of stupid cyclists with no lights is unbelivable! Thet also cycle on the pavement, cycle the wrong way down the street, don`t stop for red lights or pedestrian crossings.

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The police in my area inform me that they have NO records of convictions/ charges for this offence!!!!

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Excellent reply Liverbird. Political correctness!!!! bird is feathery animal---Burd is human female. LOL LOL.

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I must say that i find daytime use of headlights on motorbikes a godsend. These lights give that little bit of extra warning by following high speed bikes.

Ump ha cough---i'm just away to order "Blue" headlamp bulbs for my car!!!!!!!!!!!!!!!!!!

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