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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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Sainsbury's petrol issue


Daz1979
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I could not pay petrol at Sainsbury's petrol station as I did not have enough money in my bank

(despite checking the night before that I did have more than enough)

as a few direct debits went out that I was unaware of.

 

Now I've had some money cleared

 

I went to pay them today but they said it was passed on to a debt collection agency

(something they never told me when I tried to pay the first time)

as a week had passed

(something they also conveniently never told me)

and the DCA would put 1 £50 charge on it.

 

I have complained to Sainsbury's customer service about this

as the staff in the petrol station were also extremely rude and unprofessional.

 

I'm really stressed now as I can not afford and am in urgent need of help as I suffer mental health issues.

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pay Sainsbury's what you can directly

the DCA can do nothing to you

neither add anything [legally] to the debt

as that is deemed a penalty charges which is unlawful.

 

a DCA is NOT A BAILIFF

 

they have

 

NOT SUCH LEGAL BAILIFF POWERS.

 

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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go see the manager

 

this dca stuff is just utter rubbish.

 

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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Got a letter from DWF or whatever they're called) today and they want £70 so I've sent it to Stepchange and asked them to negotiate them down.

 

I am boycotting Sainsbury's for everything except the free air to pump my tyres up as their management have been as much use as a chocolate teapot! I'll still be using Nectar but only at Argos...

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Hi Daz1979

 

Write a Formal Letter of Complaint , mark it as such. Explain what's happened, explain that your a long time customer, family and friends shop there, explain how they have let you down and what you want them to do.

 

Send it to:-

 

Sainsbury

Mr. Justin King

Chief Executive

[email protected]

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Ignore the DCA TOTALLY. Sainsburys are not allowed to refuse payment towards the debt. That is a very big 'no no'.

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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Ignore the DCA TOTALLY. Sainsburys are not allowed to refuse payment towards the debt. That is a very big 'no no'.

 

Not quite right.

 

 

Cost of debt recovery via proceedings in the County Court will often exceed the amount owed for the fuel. However, fuel retailers have a scheme operated by the British Oil Security Syndicate (BOSS) and this indicates that debts can be sold on to debt collection agencies.

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Yea but HAS it actually been sold. It sounds liek they simply passed it on. Plus i didnt mention anything about the DCA's charges. I simply said that a creditor cannot refuse payment towards a debt. Granted, i should have stated "if the OC still owns it".

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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I'd send a cheque covering payment for the fuel only addressed to the store manager with a letter detailing what it is for (including the car reg number) and you apologise for the inconvenience and now consider the matter settled.

 

The ball is then in their court.

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DWF are sainsburys!!

 

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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  • 3 weeks later...

Well Mr King was about as much help as a chocolate fireguard, they're still standing by the decision and believe their lying scumbags of staff. I'm feeling really down now and can't cope with this...

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I'd send a cheque covering payment for the fuel only addressed to the store manager with a letter detailing what it is for (including the car reg number) and you apologise for the inconvenience and now consider the matter settled.

 

The ball is then in their court.

 

I can't do cheques as my bank stopped them as I'm on a DRO

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Hi Daz1979

 

That is a disappointing response from Sainsbury's Executive Team.

 

Just as a matter of interest, was that their Final Response and did they say you could complain to the FOS?

 

Also, from what you have said in your opening post, page 14 of the Debt Collection Guidance applies to you, you need to make Sainsbury's aware of your mental health issues.

 

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

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I have told Sainsbury's they basically just don't give a flying **** about it. Sorry about the language btw but I am stressed out big time. Sainsbury's have not said anything about the FOS though I don't have a very good relationship with the FOS. I have reported this to trading standards though.

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Hi Daz1979

 

Don't worry about the type of relationship you have with the FOS, it's like millions of others, they need to be watched like a hawk.

 

It will cost Sainsbury's £500 if the FOS look into your complaint, that's something for Sainsbury to consider.

 

I have told Sainsbury's they basically just don't give a flying **** about it. Sorry about the language btw but I am stressed out big time. Sainsbury's have not said anything about the FOS though I don't have a very good relationship with the FOS. I have reported this to trading standards though.
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Dont just tell them. You MUST report them. Sainsurys and other companies get legal and random threats ALL the time. Unless you are going to follow it up immediately with a report, dont make the statement as youll make it harder for the next person. Thats why these companies are so complacent and ignore everything.

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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Ombudsman wont get involved until the complaint has been exhausted. The only time theyll jump in earlier is if its a very serious issue.

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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