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    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Vanquis Credit Card - accepted


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Gay_guy1986

Don't get buying any T shirt with it :lol:

 

Serious

 

Be carefully with a CC ....

 

Capital One upped by credit limit to £10,000 with in the space of 5 years or so,nice to have it mind you the most I ever used on it was 400 quid for a new telly ...

 

Always pay the minimum balance or more and by the due date !

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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Despite whats happened over the past 5 years or so with the banks and so on

 

Credit is Still far too easy to obtain and folk will just end up in debt when they realizes it's too late and they can't even afford to pay the minimum balance back !

 

One thing I would never do with a CC is "Withdraw Cash" and how fast and expensive the interest mounts up :mad2:

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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  • 4 months later...

Just install a shredder on your letter box so that it disposes of the card before you get the chance to spend on it, Vanquis are not the answer to repairing a credit rating, they will more than likely trap you into something so you end up in financial troubles.

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Just install a shredder on your letter box so that it disposes of the card before you get the chance to spend on it, Vanquis are not the answer to repairing a credit rating, they will more than likely trap you into something so you end up in financial troubles.

 

here here!:-)

:mad2::-x:jaw::sad:
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  • 1 month later...

My husband was accepted and got the card through etc. Now he cannot speak (due to an operation on his throat for cancer) so he thought he could just activate either online or by touch phone (neither of which they offer).

 

So i phoned up, explained the situation and they said i could speak on his behalf providing he filled out a consent form. Duly did this and returned it. Phoned and phoned to which they said, oh it can take up to 14 days to process as the department is very busy!

 

Now more than a month on, they are still saying that they need to speak to him (despite what i've told them) so am now returning the card back to them with a letter of complaint.

 

Not trying to be clever, but what was to stop him getting a neighbour or family member to speak for him over the phone (obvs him providing them with the details)? I mean, how would they know it was him or not?

 

Anyone else had this experience?

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