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    • Email and call your local councillor, their details should be on Google.  Just explain everything to them and they will have the bailiffs off your back in short order.   Do it now, and this could be resolved by tomorrow.  
    • Your latest ramblings make no sense in relation to the issue (which is whether a person hearing an SD can question the maker as to its truthfulness and reject the declaration if they are not satisfied as such).     It's not within 21 days of the hearing it's within 21 days of learning of the conviction of which they were unaware. I don't know what it is you are reading or are referring to but there is no "debtor" involved in an SD that is made to have a conviction set aside. When an SD is heard in court the only officers involved are the court's Legal Advisor and the Magistrates themselves.   I’ve just been looking back at the original post which started all this off to ensure I wasn’t going mad. I’m pleased to say I don’t think I am. Instead I am of the opinion that you did not properly grasp what originally happened to the OP and compounded that by providing incorrect, misleading and confusing advice whilst plucking bits of irrelevant legislation from thin air randomly when you commented. Here’s a few of your quotes and my comments for you to consider.     The OP said no such thing. She said she had moved three years earlier. For some reason unknown, her change of address was not recorded by the DVLA. She said she was happy to accept the speeding allegation. This indicated she was driving (a fact she confirmed absolutely soon afterwards). Nowhere did she ever say she was not the owner of the vehicle at the relevant time.         So, from advice to plead Not Guilty to advice to plead Guilty inside two hours, with no new or additional information provided. Still you mention somebody else being the driver.         What is an “out of time statement” and where and when was one ever mentioned?     Then from the OP:       Your response:       The cause of any confusion was your comments. She said from the outset that she did not live at her old address when the offence was committed (in fact she went to some lengths to explain that was why she did not receive the court papers). Nowhere did she suggest she was not the driver nor that she could not or would not disclose who was.     No it isn’t. A Statutory Declaration voids the original conviction as if it never happened. Section 142 of the Magistrates’ Court Act is not involved with the resurrection of proceedings following an SD. That Section grants the Magistrates powers to re-open cases to rectify mistakes, etc. There has been no mistake here, the Magistrates will not be called upon to re-open the case and could not prevent it being revisited even if they wanted to.   Then we set off into the intricacies of the Statutory Declaration process which is covered above.   I’m not surprised the OP in this particular case became confused. Her matter is straightforward enough (for those who know the law and the process). In summary: She moved; She thought the DVLA had her vehicle registered at her new address but they hadn’t; Her vehicle (with her driving) was detected speeding; She (unsurprisingly) did not receive the notification of that offence or the request for driver’s details; She obviously didn’t reply to that request, she was prosecuted for it, convicted in her absence and without her knowledge.   Happens every day and simple to deal with.   Unfortunately, not when you became involved it isn't. Firstly you grasped the wrong end of the stick by assuming she was not the owner and/or the driver. You advised her to plead Not Guilty on that basis. Then, when you had grasped some idea of what had really happened you suggested she plead guilty to the S172 offence purely on the basis she had moved and the speeding information was sent to her old address. Very poor advice. Then you scared her witless by incorrectly suggesting there was a chance her SD would be rejected if it was thought her declaration may be untruthful. There also followed discussions about the six month time limit for prosecutions and the 21 day limit for SDs to be accepted unconditionally (both totally irrelevant).   I don’t suppose you will accept any of these criticisms but whether you do or not you clearly caused the OP considerable confusion and probably distress. My comments are not based on something I've heard on the net or on barroom (sic) knowledge. They are based on my knowledge of the law and of Magistrates' Court procedures.  It's obvious you will pay no heed to me so when I see any such clearly misleading information provided to an OP by you in this section in future I will simply report it to the site's administrators.
    • Just ignore unless you receive a PAP letter.    Chances are you will run out the clock and it will become SB'd.    
    • Sure I read somewhere that PayPal MADE 2.2 billion dollars in 2018, so I guess losing out on say 10 million a year in negative balance is more cost effective than paying tax in the UK?  Dont get me wrong I’m by no means saying “sod it” they can afford it, I’m just hoping they don’t take me to the cleaners and at least give me time. 
    • I apologise profusely for my actions in this case. I pride myself on my integrity and honesty and I feel shameful for my moment of very poor judgement. As the sole income earner for the family (my wife is on maternity leave), a criminal record would be devastating for us as my employment relies upon a clean criminal record.   On the 22nd I was travelling to London Bridge and needed to connect at Three Bridges. When purchasing my ticket in the morning I only bought a ticket to Three Bridges by mistake.   I made a bad error and I am just so sorry for my actions and the inconvenience caused to all involved.   I am happy to make immediate payment of the unpaid fare and any incurred costs that my mistake have caused.   I would appreciate your consideration and I sincerely hope that you can show some leniency as an criminal conviction would impact my employment and ultimately being able to provide for my family.   Regards   I cant offer to get a monthly ir annual as I only travel a handful of times per year.
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savvysaver

gov petition link to ban advertising of payday loans on television

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Thank you for posting this link.

 

I particularly dislike the Wonga one which seems so jolly and cosy and friendly. Nothing like the real thing as you can see from threads on this forum. :evil:

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My son was in big trouble with Wonga - I got him to phone them, & give them permission to speak to me. I told them (debt management team) he owed me heaps (true!) they froze the interest & made amicable affordable plan to come out of bank each month. I am collecting so much dirt on them all!!

We need everyone to copy and paste the link onto every other link possible..it only has 500 signatures so far! yes, nasty attractive cartoon people-so deceptive. Next time I see him, he'll sign a letter saying he owes me, & they will keep it on their record so they wont give him any more loans. Likewise the Money Shop..

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I've posted a link on another payday loan thread, so hopefully some of the Caggers there will come and sign here.

 

I am glad you got Wonga sorted out. They have been really awful to some people on the forum.

 

Last year I was burgled and lost some jewellery with great sentimental value so I started visiting all the loan/buy gold companies close to me. I was absolutely staggered when waiting in one to hear a clearly very bright and obviously working young lady ask for a loan, and she confirmed that she'd had them before. She was drinking a Starbucks coffee. Why would anyone in their right mind be buying take-out coffee when they needed a payday loan? Totally crazy.

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Thanks Desperate Daniella. Just spotted your post on my thread.

Usually i keep a sharp eye out for such things.

I missed the epetition.

Nice idea Savvysaver to post on.

Will do.

I will also check the epetition thread is it on there.

Perhaps you could put it on there if it is not. Give me a shout if you need any help.

Link here.

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?357-e-Petitions

 

 

 

Signed

hm_gov.gif?1364282144

Accessibility Home Search published e-petitions

 

Thank you.

 

 

Your signature has now been added to this e-petition.

Click here to view the e-petition

Edited by tawnyowl

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Just signed the petition.

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Hi tawnyowl,

 

I'll check the petitions. Thank you for reminding me.

 

I think radio advertising should be banned too. The Wonga one is just too jolly and user-friendly. It all sounds such fun that you can't ever imagine such lovely people could turn so nasty.

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Hi tawnyowl,

 

I'll check the petitions. Thank you for reminding me.

 

I think radio advertising should be banned too. The Wonga one is just too jolly and user-friendly. It all sounds such fun that you can't ever imagine such lovely people could turn so nasty.

 

I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

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I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

 

That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

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Something even worse. They have multiple adverts running at the cinema now. Although they only seem to advertise on 12a and above.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It's ages since I've seen something 12a or above at the cinema. My cinema viewing is dictated by my nine-year-old. She'd love a payday loan. (No chance.)

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That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

 

I can't remember the first one because it was on a station I only listen to in the morning. The station though is very popular.

The other one is you have to guess an amount of money. You phone in, guess the amount between 2 amounts already given and win if you get it right. Obviously in this day and age its was quite popular.

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signed. Wonga is really getting up my nose with their ads, seems they now have the money to go from puppets to computer generated animation. Nasty

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signed! the wonga one actually upsets me, its on the radio every ad break when i work, even at work i cant get away from these people. ban ban ban

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I saw a new Wonga one last night. It actually implies that you can fix your own terms. I think I will phone them up and say I want to borrow £1,000 and I'll pay back £1,001 at the end of the month. That would be fixing my own terms, wouldn't it? I'm going to watch it again, and maybe see if they can be reported to ASA.

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Haven't seen that one - will look out for it. We so need to get them into real trouble. They want to float on the stock market, but are waiting to see what clampdowns the Gov are going to make. Joke! we know the answer, just ban advertising etc & make them all financially unviable.

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I recently had to go into the Money Shop. after speaking to them about my sons loan with them on the phone - I'd paid them money with my d card - which they had no record of, meaning my son still owed them! I took in a verified bank statement proving it, and the ref number they gave me but it still took over two hours of me being in there before they classified it as a misc. payment. I got my refund, paid a reduced amount to clear sons account ( £210 instead of 330) plus I've put in a complaint & requested compensation for my wasted time, stress etc. t.b.c...Oh, (belated reason for post lol) while in there, witnessed many customers either requesting they pay the minimum off their loan, or requesting rollover, or I heard them say they needed one to pay their bills. These were men in working clothes straight in there from work..so sad.

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