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    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
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lowells/barclaycard debt


jones2788
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Hi Jones,

 

You mention PPI but say nothing about penalty charges. Do you think you paid any of these during the history of the card ?

 

:-)

We could do with some help from you

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We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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Im using my phone at the min,but pics are just the application form from barclaycard,and a letter from them saying theyv fullfilled their obligation by providing that and a photocopy of t and c's no actual cca!theyv also sent a statement of the month of default and thats it?since theres no cca with my signature on and the debts from 2004 im guessing they cant do anything?cheers

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As said at the min i have to use my phone as pc is not working as it should,i know its not a guessing game,just asking for suggestions on general enforcability until i can post the application up on here,what dictates whether or not it is enforcable as it states clearly at the top of the form its an application for a barclaycard not an agreement of t and c's that are signed?

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Im no expert on enforceability but there are a lot of diffrerent things that dictate cpmpliance with the CCA hense why people are asking you to put it up. They are not asking for the sake of it. I hope you get your pc fixed quickly :D

 

In meantime basic things like all personal details must be correct, rate of interest etc

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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As for PPI and Penalty charges, you should definitely look into this. 900 worth of charges may equate to refunds in the 1000's People have had success with BC within the last few weeks.

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First off, do a full subject access request to the original lender will cost you £10

As for all data including transaction lists :)

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Guidance about reclaiming PPI is in the PPI forum.

 

First move is to get your statements and check for PPI and penalty charges which could be worth FAR more than just the charges alone (due to compound interest).

 

Re the enforceability of the a/c, the signed credit card application may not comply with strict requirements but a judge may not see it that way if it went as far as court.

 

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We could do with some help from you

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hi im going down the route of claiming the ppi/charges of the Barclaycard debt now,as said im going to SAR them but what am I looking for exactly when I receive the statements?also can I claim for a bank account that has had charges on it?thanks I really don't know where to start lol

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hi im going down the route of claiming the ppi/charges of the Barclaycard debt now,as said im going to SAR them but what am I looking for exactly when I receive the statements?also can I claim for a bank account that has had charges on it?thanks I really don't know where to start lol

 

 

You are looking for any insurances. Card guards. Protection.

 

overlimit fees. Late payment charges. Returned item fees.

 

Current account charges are a different matter

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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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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