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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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      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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Thinking of Doing Own DMP - Help!!


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if you are paying Barclays it MUST still be active

so they MUST hold documents

 

 

something smell here - badly!

 

 

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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look in the Barclays forum stickies

 

 

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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  • 2 weeks later...

Hi thanks - now getting some extra stuff from Barclays

 

Is there a template letter to send for non-compliance of CCA1974 request - thought from some threads there was but can't find anything - pehaps things have changed ?

 

Tescos still have not provided a proper reconstituted agreement - did write to them a couple of times and said the agreement they provided did not comply with the CCA1974 but they have never replied to those letterrs - all I have had is chasing letters (I've stopped paying) and now threats of DCA/doorstep visit

 

Any advice please - not sure of best next step

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its current wisdom not to chase no or un-en CCA returns.

 

 

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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Share on other sites

Hi thanks - did wonder about that

Assume I'm getting computer generated letters at the moment and that someone will eventually look at my letters and check what they have sent to me or pehaps not!

 

Just been reading up a bit more on enforceability/unenforceability and some of the court cases threads and am now even more confused than before - think I'll just wait and see what happens next Thanks!

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Hi thanks - did wonder about that

Assume I'm getting computer generated letters at the moment and that someone will eventually look at my letters and check what they have sent to me or pehaps not!

 

Just been reading up a bit more on enforceability/unenforceability and some of the court cases threads and am now even more confused than before - think I'll just wait and see what happens next Thanks!

 

 

Sadly yes, now you are in their "system", every so often the computer thinks to itself.. send letter 2 or 3 or 4 ?

 

It is very unlikely a "human" will look at your letters any time soon. As dx has said, it is not wise to continue asking for the CCA - once you have sent the request and perhaps one follow up or response to a letter of theirs, then it is probably best left.

 

How did you send the statutory fee ? Postal order/Cheque - have you confirmed if they have been cashed ?

 

Did you send your requests by tracked mail ? If so and it is confirmed they were received, then I guess you could send something like..

 

Dear Sir or Madam,

 

I am in receipt of your letter dated XYZ.

 

It would appear you have chosen to ignore my s78 request dated XYZ, which I know you have received as it was sent by tracked mail. Currently you are in breach of that request.

 

Yours etc,

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  • 3 months later...

Hi

 

 

due to lack of computer access and lack of know how I have a lot of trouble trying to get stuff uploaded

so am just putting this Cap1 page on to see if is legible

 

Hope to start new Cap1 thread later

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Hi All just wondered if anyone could give me some advice on doing income/expenditure forms as it will soon be time to do some

When I started own DMP I just followed what I did with payplan - list of income/expenditure + list of creditors & apportioned amount due to each

 

But since some are enforceable I have stopped paying - do I still show them as being owed? but not being paid? (but possibly might be in the future if enforceable agreement turns up)

 

If I don't show them - will that cause problems as it might look like they have been paid off

 

Just a bit confused about how to deal with this so would be grateful for any advice Thanks!

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  • 1 month later...

Hi just a couple of queries - can you claim back credit card charges more than 6 years ago - it's MBNA and the charges date back to around 1999/2000 - I am a bit confused about this - think perhaps too long ago?

 

Other thing is how often can you do a SAR - I seem to have lost some stuff I received - just wondered if I can get it again

 

Thanks very much

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  • 3 months later...

Hi got a thread going on Barclays defaulted loan back on credit file

 

Would be grateful for any advice on that thread Thanks!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?452065-Barclays-Defaulted-Loan-Back-On-Credit-File

Edited by citizenB
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Hi All have been reading around trying to get to understand enforceability a bit more but just getting more muddled - been looking at s127, s61, s65 etc now really confused

 

What I am trying to work out for pre 2007 agreements is whether if creditor can't provide true copy reconstituted agreement and if it goes to court can't provide original agreement then is it automatically unenforceable (provided you defend) or does it depend on the judge on the day

 

Grateful for any help on how this works Thanks!

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you've got the essence of it all

yes they'll need to signed agreement if they stand a chance in court

 

 

but the whole thing can be stuffed by the judge lottery game.

 

 

 

 

but to be honest that is quite rare

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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Share on other sites

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