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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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Court for no tax or SORN


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Last September a friend was stopped by police for driving a car with no tax. This was an oversight due to other problems and DVLA not sending a reminder to renew.

 

My friend expected court action but heard nothing until last week and the case is due in court on Monday 20 miles from my friends home. As the car is now SORN my friend can't get there.

 

Is there a way of getting the case transferred to their local court, and if so what is the process?

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Maybe but there have been other issues with DVLA so my friend wants to be able to make their case in person. They've already had far more money than the road tax which they weren't entitled to.

 

My friend has a defence but wants to make it in court for a judge to decide but the location is likely to be the stumbling block.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Is this at a Magistrates' Court? That's usually where DVLA prosecute. The best thing would be to phone the Court in question and ask them.

 

I agree that she should make her case in person. I had a run in with DVLA and they wouldn't back down so I went to Court and their lawyer backed down outside Court.

 

I was so pleased I had gone in person. :-)

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what court is your friends nearest court and what court is 20 miles away, being that a lot of magistrates courts have closed with cut backs, the court 20 miles away may be your nearest anyways

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Thanks for the responses. I understand that the local mags court is still operating but that traffic offences are being heard in specific courts.

 

http://www.bbc.co.uk/news/uk-politics-22563657

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The new courts will only have jurisdiction in the 90% of cases where motorists admit their guilt; if they contest the offence, it will be dealt with by magistrate courts as at present.

 

As I understand it these will only deal with uncontested cases with a guilty plea. Most likely the defendant will not even be expected to be at court and may well be a "paper exercise" only court. If the defendant needs to appear with a not guilty plea then it goes to the "normal" mags court

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Trouble is they don't give much time to deal with it. It takes them nearly 9 months before hearing anything and you don't hear anything until about 2 weeks before a court date.

 

Seems like they just want to rubber stamp them like they do with things like council tax summons.

 

I wonder how many people who feel they have a valid case will just let it go because they don't have time to deal with it.

 

Kerching!!

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Trouble is they don't give much time to deal with it. It takes them nearly 9 months before hearing anything and you don't hear anything until about 2 weeks before a court date.

 

Seems like they just want to rubber stamp them like they do with things like council tax summons.

 

I wonder how many people who feel they have a valid case will just let it go because they don't have time to deal with it.

 

Kerching!!

 

Or when you do turn up to contest with a valid argument they are able to drop the case there and then, leaving you a day out of pocket.

 

On other forums there is the suggestion that you make absolutely certain to turn up at the court door with seconds to spare, only speak to the usher to give your name, nothing more, and hide your carefully documented gamechanging bundle until you are in front of the magistrate.

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Thanks Maisy. :-)

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Not sure but they don't have to attend although there is that option.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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