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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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Catalogue Fraud


naive2345
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My flatmate,

who I didn't really know took out catalogues in my friends name.

 

 

I didn't find out until she moved out and I started seeing the mail.

 

 

I tried to find her but can't.

 

 

Problem is I tried to tell the catalogue who didn't believe it wasn't me who had done it and

 

 

therefore i panicked and decided to stay quiet and pay it hoping noone would be any the wiser,

 

 

well my friend contacted me today and said she's got a credit report

and because I'd decided to pay it when i moved i changed address.

 

 

It all points to me and I'm terrified.

 

 

I don't know this flatmate well,

 

 

didn't ask much about her and its bit me in the backside big time.

 

 

What should i do?

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I am sure others will be along at some point to advise you, but could you just clarify something:-

 

Your flat mate opened a catalogue account in your friends name; and you started to pay it? At what point did this involve you and why did you start paying for it?

 

Thanks

 

A

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It's way to easy to do this as it goes.

 

Pop online, sign up & away you go.

 

I don't get why you paid it though, as it was not your name on the account? So you would not of been chased for payment.

I don't suffer from insanity, I enjoy every single minute of it!!

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I am sure others will be along at some point to advise you, but could you just clarify something:-

 


Your flat mate opened a catalogue account in your friends name; and you started to pay it? At what point did this involve you and why did you start paying for it?


 


Thanks


 


A


 


I paid it because the catalogue did not believe that i hadn't set up the fake account and


I worried I would be done for fraud as my flatmate was never registered at the address as it was temporary.


There is nothing to connect her to this and it was one of MY friends she chose to do it with.


My friend believes me but I don't know if that will do any good.
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I paid it because the catalogue did not believe that i hadn't set up the fake account and

 

 

I worried I would be done for fraud as my flatmate was never registered at the address as it was temporary.

 

 

There is nothing to connect her to this and it was one of MY friends she chose to do it with.

 

 

My friend believes me but I don't know if that will do any good.

 

How did they get your name initially, if your flatmate set it up in your friends name?

 

Thanks

 

A

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How did they get your name initially, if your flatmate set it up in your friends name?

 


Thanks


 


A


 


They didn't get my name. I was trying to clear it without involving my friend which was stupid!
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Why would you even consider paying or even think you would be accused of fraud.

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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