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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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Notice of Assignment received 5 years after debt sold Citicard


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Just when I thought they'd got the hint,

 

I have today received a letter from Connaught saying they have passed my account onto their solicitors Judge & Priestley.

 

From my records this becomes statute barred at beginning of August,

 

really don't want them taking me to court so near to that date..

 

any ideas what I should do?

 

Quite confident that what they have sent me is not the correct t&cs

 

but may need to get a copy in order to cover myself...

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J&P

not seen then in court in years...

 

threat-o-grams to follow.

 

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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don't forget conault are 1st credit are J&P

so all in all just another trick to make you panic

 

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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no idea on the ipad

 

do it on a pc in the notifications tab

 

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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no idea on the ipad

 

do it on a pc in the notifications tab

 

dx

switch to full version of site?? on ipad

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Just when I thought they'd got the hint,

 

I have today received a letter from Connaught saying they have passed my account onto their solicitors Judge & Priestley.

 

From my records this becomes statute barred at beginning of August,

 

really don't want them taking me to court so near to that date..

 

any ideas what I should do?

 

Quite confident that what they have sent me is not the correct t&cs

 

but may need to get a copy in order to cover myself...

 

Is this the same account that the Stat Demand was issued on ?

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I will post when I get the letter from the "solicitors" so I can get an idea of how to respond..the one I received today from Connaught said they are disappointed I haven't responded to them despite their letters and telephone calls! They haven't called me they don't have my number and they only sent a couple of letters....

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I will post when I get the letter from the "solicitors" so I can get an idea of how to respond..the one I received today from Connaught said they are disappointed I haven't responded to them despite their letters and telephone calls! They haven't called me they don't have my number and they only sent a couple of letters....

 

 

Judge & Priestly of Bromley Kent, all though not actually part of 1st Credit have had a long association with them.

 

 

Dealing with them in the past and attempting to speak to a "a solicitor" was an impossible task,.

1st Credit at the time has an in house legal department head by a solicitor not registered with the SRA as "principal solicitor" and 1 paralegal who then passed on cases to J & P.

 

 

Then they disappeared of the scene until recently.

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Wish they would disappear of my scene :(

 

 

J & P used to love sending threatening letters but when challenged referred everything back to 1st Credit.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I am obviously expecting some form of communication from judge and priestly. Should I respond or just ignore in the first instance?

 

 

Much will depend on the content of any letter from J&P in the past it was often on the line of " recommending court action to their client" often files passed back to 1st Cruds legal department (1 paralegal and an absentee " principal solicitor" !)

 

 

Certainly do not attempt to converse with J&P by phone I tried the a few times in the past when assisting others with cases assigned to J&P for "legal action".

 

 

You may get a letter listing what MAY happen IF they get a judgement.

 

 

All the usual we may apply of an attachment of earnings order.

We May instruct bailiffs etc.,

We May refer the matter back to our client for a doorstep visit.

 

 

All the major threats and then referred back for the last one.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok..would now be a good time to do a SAR to the original creditor? Would that buy me time or would that admit liability? Just thinking as it's only a couple,of months until it's SB.

Yes certainly send a SAR, if J&P make contact send a reply on the lines of:

 

 

I do not acknowledge any debt to your client. I have made a Subject Access Request to the Original Creditor to retrieve all data relating to the alleged debt, no further communication will be entered into until the data is received.

 

 

At the same time send CCA request to J&P.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have already done a cca request and received about 3 different lots of t&c's..I'm pretty confident they are not correct and more alone the lines of a recon..so i guess it's pointless sending off another one,min was just going to tell them that my request remains outstanding because what they have sent is not correct..would that be correct?

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I have already done a cca request and received about 3 different lots of t&c's..I'm pretty confident they are not correct and more alone the lines of a recon..so i guess it's pointless sending off another one,min was just going to tell them that my request remains outstanding because what they have sent is not correct..would that be correct?

These "reconstituted" agreements must consist of:

 

 

Your name and address at the inception of the agreement.

The Creditors name and address at inception of the agreement.

True copies of the Ts & Cs at inception of the agreement

" " " " at closure of the agreement.

Any variations/amendments made during the life of the agreement.

Any other document mentioned in the Ts & Cs ( many card issuers refer to a "booklet" enclosed with the card at issue).

A current statement of the account.

 

 

All must be included and must have the original "financial" information.

 

 

If you believe that the "recons" are not compliant yes tell 1st Crud that you reject them non compliant.

 

 

If the card / agreement was prior to April 2007 they will need the actual original signed agreement to attempt to get and enforce a judgement.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It was definitely prior to 2007. If they had the original I guess they would have sent it 😉

 

And I have told 1st credit on numerous occasions that it's non compliant but they just ignore this fact! Have done SAR will send off later..might just give me enough time to get to the SB date, well that and the non compliant agreement, no copy of original and a couple of other things which I haven't mentioned yet in case of prying eyes!

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It was definitely prior to 2007. If they had the original I guess they would have sent it 😉

 

And I have told 1st credit on numerous occasions that it's non compliant but they just ignore this fact! Have done SAR will send off later..might just give me enough time to get to the SB date, well that and the non compliant agreement, no copy of original and a couple of other things which I haven't mentioned yet in case of prying eyes!

Ok. I guess it's wait & see what J&P come up with and the results of the SAR.

 

 

If/when J&P write, you could mention the non compliant " recons".

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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