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    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
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    • Would this be OK to send or is it too much detail already ?   "In response to your letter dated  xxx Intention of Prosecution reference xxxxxx I would like to advise that no collision / accident took place at the given date / time / location. There was however an altercation with the driver of a commercial vehicle who punched and kicked my car, verbally abused me when I stopped and acted in a distinctive threatening and aggressive manner. I advised I would be reporting him to his company for threatening behaviour and vandalism for punching and kicking my car whilst driving past in the road. When I tried to take a photo of his number plate, he came towards me in a further aggressive and threatening manner, so I decided to retreat into my car and lock the doors before he could reach me, as I was frightened he may assault me. I drove off and when I checked my phone later , the photo was regrettably unusable, as the camera couldn’t focus properly when I rushed back to my car. So I decided not to report him for his threatening behaviour and actions, as at the time I believed he would be untraceable anyway. So I am not sure if the accusations against me are in relation to this altercation, but no actual collision took place at this time , date and location as alleged in your letter"  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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.
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Claimform Arrows - HSBC Account card/cheque fraud***Claim Discontinued***


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Along the lines but its still requires further work......did you ever get a crime reference number?

We could do with some help from you.

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If you could......has their default caused any damage/distress to your credit rating and you?

We could do with some help from you.

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Hi Andy,

 

My Wife and I never actually noticed a problem with our credit rating. It's always been fine for as long as I can remember.

 

Managed to get a crime reference number today and the name and collar number of the officer who dealt with the case.

 

 

Will also be looking to request details of the investigation etc and been advised to contact the Freedom of Information team;

although told this could take quite some time as it's been around 11 years since the incident occurred.

 

How else could I develop the defence?

 

 

I'm just wary of time frames and want to ensure I get our defence in before the deadline.

 

Thank you for your help.

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I will draft you a suitable defence....just give me a nudge a few days before.

 

Andy

We could do with some help from you.

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Yes sure but will be in the morning now...long day...defence head is tired:sad:

We could do with some help from you.

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Would have preferred this morning as per my last post not 4.00pm in the afternoon.What date is it due?

We could do with some help from you.

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Particulars of Claim

 

1. The claimant clams payment of the overdue balance due from the Defendant under a contract between the defendant and HSBC dated on or about 17/11/1997

and assigned to the claimant on 13/05/11 in the sum of 9509.00

 

PARTICUALRS a/c NO: XXXXXXXXXX

 

DATE ITEM VALUE

03/07/14 Default Balance 9509.00

Post Refrl Cr NIL

 

TOTAL - 9509.00

 

Defence.

 

It is denied that I am indebted to the claimant for the amount claimed.It is admitted that I did hold a current account with HSBC in 1997.

I was a victim of account fraud which was brought to HSBC attention dated xxxxxx and also reported to my Local Police.

 

The crime number is xxxxxxx dated xxxxxxxx.

 

HSBC ignored my complaint, failed to investigate the matter or offer any compensation to rectify the fraud.

 

It is therefore denied that I am indebted to any amount or any responsibility of the account number in question.

 

I ask the Court to dismiss the claim in its entirety for the above reasons.

 

 

 

 

Edit to suit add anything relevant I have missed...copy and paste into MCOL.

 

Regards

 

Andy

We could do with some help from you.

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Sorry Andy, I was out at 4am this morning and on the road all day. Thank you very much for this. I really appreciate your help.

 

I believe the due date is the 3rd or so I worked out but not sure if it needs to be in before this date or by the end of the date.

 

I'll edit it with the crime reference number and send it tonight.

 

Thank you once again.

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Sorry Andy, I was out at 4am this morning and on the road all day. Thank you very much for this. I really appreciate your help.

 

I believe the due date is the 3rd or so I worked out but not sure if it needs to be in before this date or by the end of the date.

 

I'll edit it with the crime reference number and send it tonight.

 

Thank you once again.

 

Not a problem ...I understand if you are working so hard.

 

Regards

 

Andy

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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  • 2 weeks later...

Hello,

 

 

Just a quick update. Received the attached letter today from Reston's who are asking for more information (also attached) as part of their 'clients procedure'.

 

 

They were provided with the crime reference number and the year in which the incident took place as per the defence but not smaller details such as the date it was reported, officer who dealt with case or the police station it was reported to etc.

 

 

Should I need to respond to this or ignore it?

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You are not at liberty to comply with that at this stage.. Arrow are not party to the fraud..it was HSBC so it is pointless as the Police will not deal with them.

 

Andy

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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  • 1 month later...

don't forget to use PDF

 

 

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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Just complete it Trans...its of no use to them.

 

Andy

We could do with some help from you.

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You're not under any obligation (unless it comes from a court) as the claim is stayed...its not going anywhere anyway.

We could do with some help from you.

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  • 2 months later...

Hi Andy,

 

 

How should I proceed with Restons?

 

 

We received a few letters from them asking to complete Arrow's fraud form which we have ignored.

 

 

Today we receive a letter (attached) threatening to Strike out the Defence and suggesting we complete a N9A as a consequence of a transaction log (also attached) which they enclose showing payments made to Tessera.

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so, arrows [Tessera] spoofed her into paying

so what

then flogged the debt to 1st credit

 

 

still doesn't explain the fraud.

 

 

IMHO ignore them still

 

 

see what andy says

 

 

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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