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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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Lowell taking me to court for JD Williams Catalogue debt


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Hello everyone,

I took out a JD Williams catalogue in 2003, I defaulted in 2009.

 

The debt was with Reliable Collections until it was sold to Lowell Portfolio in Dec 2012.

 

The original debt was £815, it is now £240.

 

I couldn't tell you when I last made a payment,

I was hoping to reclaim charges but never got round to doing it.

 

I received claim form from Northampton County Court last week and

 

I don't really know what to do.

 

The total amount they are claiming for is £326.25.

 

I don't want this to go to court.

 

The money I owe is mainly made up of charges,

which is why I was going to try and reclaim them.

 

What do I do?

 

I want to defend it but tbh I am quite scared by the whole court thing.

any thanks

 

Lisa x

Pinklisar

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Hi

I have moved your thread to the legal issues forum where more help will be available than where you were.

 

Can you post the Particulars of Claim but without any identifying data apart from the date

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thank you :) I wondered where it had gone.

 

These are the particulars of the claim.

 

The claimant's Claim is for the sum of £xxx.xx being monies due from the defendant to the Claimant

under a Mail Order agreement regulated by the Consuer credit Act 1974 between the Defendant and (Catalogue).

 

Under account reference number xxxxxxxx and assigned to the Claimant on 20/12/2012 notice of which has been given to the defendant.

 

The defendant failed to maintain the contractual payment under the terms of the agreement

and a default notice has been served and not complied with.

 

The claim also includes statuary interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8.00% per annum

(a daily rate of 0.05) from the date of issue (17/02/2014) being an amount of 21.25.

 

I don't know how relevant it it but I'm pretty sure I never signed a credit agreement and the catalogue was taken out before 2007.

 

Lisa x

Pinklisar

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yes, I want to defend, it says I can go online. I think I have a few more days before the deadline.

Issue date 18/02/2014 + 5 days (day of service) = 23/01/2014 + 14 days to respond = 09/03/2014. Is this right? than another 14 days to send in a defence?

Pinklisar

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Yes but don't leave it to the last days...we had problems last night trying to submit a defence on the very last due date.

 

Andy

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I'm a bit confused as to what to do next.

 

I want to defend this claim but what do I do next,

 

do I fill in an Acknowledgement of service,

 

Do I admit only part of the claim (I will pay for anything I purchased but not the charges and admin fees.

I'm pretty sure the admin fees and charges will amount to more than the claim id for but don't want to do anything wrong that will get me in trouble)

Pinklisar

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You acknowledge service first irrespective of how you wish to proceed.....you defend all if you do not agree or dispute...anything less will be an auto CCJ.

We could do with some help from you.

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Dont worry about that ignore

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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i've been having troulbe accessing my online claim so emailed MCOL and they have said to submit my defence by email. I am assuming I fil in the Defence form and scan it and send it back. What is my defence? Do I put down that these are mainly made up of charges and I want to claim them back? What do I do after I have submitted my defence as well? Do I SAR Lowell or JD Williams?

Pinklisar

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Might as well post it as you are doing so early...once submitted you do nothing ..wait for the courts acknowledgment.

 

With regards to the DSAR it goes to the OC but it may take up to 40 days for a response which will be way past your defence deadline.

 

Andy

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