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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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RBS say I owe them money, my account/s are in balance.


shakuri
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If you intend to use the Durkin case, you obviously have to wait for the judgement on that to be handed down, and dissected.

 

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Hi been absent for a while but have some recent developments on this one.

 

I sent off a LBA in the middle of March(no response) and I had intended to file the claim soon, however I have since received a couple of interesting letters.

 

They both arrived on the same day, the first one explaining that my overdraft agreement was being terminated as I hadn't responded to a notice they sent under CCA. The second one was similar and for my loan and explaining that I hadn't responded to a default notice under section 87 of the CCA and so they were asking for the full amount by 25th April. Both of these letters received on the 23rd April.

 

The funny thing is that I didn't receive any such notices and it looks like they are terminating the loan and overdraft without actually sending me them.

 

Should I continue with court action or wait for confirmation of termination and SAR them to ask for any DN?

 

Thanks in advance

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  • 1 month later...

An update on the situation for those still interested.

 

Having received the letters mentioned in my previous post I have since received one letter from RBS stating that my overdraft account would be passed over to Wescot, who would be in touch. Soon after they placed a default on my CRA file for this account.

 

Nothing else received regarding loan.

 

Been receiving automated message phone calls everyday for well over a week now from Wescot and today received a letter stating that I owed nearly £5000 which I take must include overdraft and loan. This is interesting considering RBS have done nothing regarding my loan account and it is still on 6 late payments on my credit report.

 

What are they playing at? Ignore or write back?

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Hi Shakuri,

 

Sorry to repeat this but can you confirm re. the FOS decision above - did you get the decision in post #48 above from an Adjudicator, or was this from an Ombudsman following the appeal of an earlier adjudication.

 

With your payments now in arrears, your case against the bank grows weaker.

 

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The decision was from the ombudsman following appeal. I've since received £500 compensation from the Independent Assessor however.

 

There is very good reason why it's in arrears all down to RBS's mistakes which they haven't admitted to yet, although have commented on internally through information gained from FOS SAR.

 

As explained previously however the accounts have not been terminated properly either.

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Hi Shakuri,

 

I know what you're saying about the arrears being down to RBS mistakes. However, you still acknowledge you owe money to the bank and you could, or you should have been doing something to maintain payments whilst the matter was being investigated.

 

Alternatively, if you withheld payments during the investigations, can you now catch up with the missed payments and enter an agreement to repay the balance owed.

 

Taking the bank to court means you have to prove your case to the judges satisfaction and this may be a harder task than defending against a claim they make against you. If they take court action, you can argue about defective DN, etc. You can also counterclaim using BCOBs etc.

 

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