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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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Mortimer/MCE - claimform very old Direct Car Finance - ***Time Order***


amac31
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WS is okay amac...if you could confirm...is it 2 claims forms same number or one with both your names as defendants?

We could do with some help from you.

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Yes thanks Andy, it is two claim forms with the same claim number so I have prepared 2 versions one with my name and one with my wifes name and I have also prepared 2 separate bundles for court and 2 separate bundles for the claimant.

Does the statement need tweaking or is it fine as is? Obviously the original has all of the relevant dates and other information correctly filled in.

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Not really...I doubt you have anything to disclose that they are not already in possession of.

We could do with some help from you.

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  • 2 weeks later...

URGENT HELP NEEDED!

 

 

We are due in court next week and today we have just received a copy of the alleged terms and conditions from Credit Acceptance Corporation.

 

 

Mortimer Clarke claim that they assumed that they were included in the previous copies of the agreement.

 

 

They say that they have been provided with a copy of the standard terms and conditions

and that they have been instructed that these would be the terms and conditions that would have been applied to our account.

 

 

Firstly

the copies they have sent have sentences missing from the bottom of each page because of the way that they have been copied

 

 

most importantly they have now issued a revised witness statement to try and disprove everything we said in our witness statements,

 

 

how can this be fair ?

 

 

they have read ours and adjusted theirs to suit.

 

 

They said that they would submit them to the court in time for the hearing

 

 

how is this legal given that the time scale for submitting statements has elapsed?

 

 

Really need help big time with this because we cannot let these muppets win.

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scan then up please

 

 

'standard' T&C's don't wash

they must have YOUR name and address on them to show they were served with the agreement

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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Ok will do tomorrow.

 

 

How are they allowed to submit another witness statement? surely this makes a mockery of the system?

 

Lorrymans case was exactly the same as ours yet his was discontinued because they could not provide any terms and conditions

 

but they miraculously find them for ours.

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it says 'the borrower named herein'

 

 

nowhere does it state your name

 

 

could have been from anywhere even a filing cabinet.

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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prove it

 

 

you cant they cant

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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not andyorch will have to answer that one

 

 

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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refer back to post #80

 

the t&cs they have sent dont match the default notices/ agreement:!:

 

as far as I can see

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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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from post #80----

 

The default notices, very helpfully refer to "Provision of agreement breached,

Clause 2 which requires you to pay instalments at the time specified in the agreement" -------

 

and of course MCs t&cs now provided describes default under clause no5

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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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Responding to your RP amac

 

On arrival at the hearing just inform the court that the claimant has served a further revised WS out of compliance time and without your agreement and assume without the courts...and that you request that only their original WS be inadmissible as you know its has been drafted after receipt of yours and places you at a disadvantage.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Ok thanks for that,

I thought it was a bit unfair given that we did not receive it until yesterday

and the hearing is in a few days.

 

 

Why would they have done this if they knew it was not allowed?

 

 

They have named it witness statement 2 and have also included a revised bundle with the alleged terms and conditions included.

 

 

They claim that they had assumed that they had sent it to us even though they send the same documents 6 times and never once included it.

 

 

How come they have suddenly come up with them when Lorrymans case was discontinued because they could not provide them?

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Keep calm...dont let your emotions run away with you...listen and ask questions.......and remain cool and polite.

 

Oh and best of luck amac...please update your thread with what transpires...good or bad.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Well I think this is a victory,

 

 

the judge would not allow a judgement as MCE could not prove their case conclusively

but as we were also unable to prove our case conclusively

the judge would not dismiss the case completely.

 

 

What he did do was to make MCE reduce the total amount by nearly half including all costs

and then he made an order ( similar to a Tomlin order but not a Tomlin order ).

 

 

He said due to the time elapsed a judgement would be inappropriate

he has allowed us to pay £1 per month and ordered that there are no entries with the CRA's

and if we do not keep up with the £1 per month MCE could get a CCJ by default.

 

 

He also added to the order that even if we default and they go for a CCJ

they can still only recover the new lesser amount less any monies paid .

 

 

The barrister for MCE even agreed with the judge in the end and hoped that MCE would just write off the debt completely

because at £1 per month it would take them nearly 1000 months just to recover the court fees and her fees.

 

 

She thinks that later down the line they will probably do this anyway.

 

 

I am a bit annoyed that as we believed we did not owe this debt that we now have a new debt for over 3k

 

 

but on the other hand I think MCE have come of worse than us as £1 per month is nothing

and no entries to our credit files is a bonus.

 

 

We would like to thank everyone on here for the advice

and a donation will be made next week on payday.

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