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    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court and ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all. So you really want to exhaust every possibility of avoiding them if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
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P&J old barclays OD 'debt **WRITTEN OFF**'


Everett
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My Wife has a very old debt through Barclays that was sold to P&J years ago.

 

Just recently they have started a lot of stick waving,

 

 

getting their in house solicitors Foulds to threaten her with a CCJ if she didn't pay the outstanding amount with seven days.

 

we sent them a CCA request.

 

Today they have returned the Postal Order saying that they do not have a copy of the CCA at their office

and it may take some time to retrieve the original documentation from Barclays.

 

I know Barclays have an uncanny knack of obtaining old micro film

( the last one we got via Link was a credit application and totally ineligible )

 

What is her next move ?

 

 

Are P&J in breach of her CCA request ?

 

Should she continue to pay them ?

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More info on this debt please.

 

Rough Date of agreement signing

Original Creditor

Current OWNER of debt

Rough Amount

TYPE of Debt (EG credit card overdraft loan?)

 

With the above information your question can be answered more accuratly.

But on a side note if it is an agreement where a CCA is present they will be able to reconstruct an agreement.

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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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they have most certainly not complied with the cca request

 

I would certainly cease any payments until/unless they comply

 

please give further info as requested

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?436197-Rules-about-the-duty-to-provide-a-CCA-agreement-and-the-consquences-of-not-doing-so

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Ok debt as far as we can remember is for an Overdraft.

P&J have owned the debt since 1996 ( purchased from Barclays OC)

The amount outstanding is approx. £3k.

Should I send them a non compliance to my CCA request letter and put it into dispute ?

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ah right no ,cca request not really applicable for od

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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When was the last payment/activity/ acknowledgement on this account, please ?

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OK

neve rmissed a payment yet its been passed to DCA?

 

This doesnt sound right.

 

We need to know if its a OD or a LOAN

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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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Done some digging and actually it's for a personal loan.

Last payment last week ( never missed a payment to them )

 

back to post #3 then

 

stop payments, do nothing

 

they know what is required

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Hi Everett,

 

Have you checked YW's CRA file recently to see if this is still showing.

 

It would also be good if you know when this a/c was formally defaulted.

 

Do you have the old data for this a/c to check if there was any PPI on the loan, or if YW suffered penalty charges when she fell behind with payments. These could still be reclaimed to reduce the balance that's owed.

 

:-)

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.

 

Thanks !:-)

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Not on CRF.

 

When I say not missed a payment, that is to P&j.

 

My wife has been making low payments since 1996 to them.

 

They have just started using bully boy tactics and demanding she clears the balance.

 

What is her next move or can anyone point us to what letter we should send ?

 

They have returned the CCA fee and said they don't have a copy of the CCA.

 

But they also said, it may take some time to retrieve the original CCA from Barclays.

 

So what if, say in a months time they get hold of the original agreement , will it be valid ?

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Yes, but they cant legally take any action until they do so you can in theory stop paying them until they comply. I would be continuing with the current arrangement and let them know that they can do nothing until they do comply.

You also need to find out what charges they have added on to the debt, if any. They should have sent you annual statements of account so again, you can halt payments until the comply on this point as well.

To find out about charges and fees from barclays you will need to send Barclays a SAR

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Hi Everett,

 

There's little point in speculating about whether the bank or DCA will produce a credit agreement. Worry about what to do IF they produce a valid agreement.

 

Until that happens, the DCA cannot take collection or enforcement action.

 

As per Eric's post above, please let us know about penalty charges and/or PPI as requested in my last post.

 

:-)

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.

 

Thanks !:-)

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  • 1 year later...

Last year on the advice of this forum we sent a CCA request to P&J.

 

They returned the postal order saying that they did not hold a copy at their office and it would take some time to produce.

 

It is now 13 months later and still no CCA.

 

On Friday we had another letter from Foulds solicitors demanding payment in full and threatening court action

( regular payments have been made but the debt is very old, around 20 years from my wife's from a previous marriage )

 

Should I send them another CCA request or a Dispute letter ?

 

Or are CCAs no longer valid ?

 

 

What is a CPR ?

 

Thanks

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old and new threads merged.

 

 

so theres been no payments since nov 2014?

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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why?

you were told more than a year ago to stop

 

 

cash cowed or what!!

 

 

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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they've failed the CCA request

no need for anything more legally to be done than to stop payments

and remove their cash cow from the milking parlour

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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Hi Everett,

 

CPR are the Civil Procedural Rules. They govern all aspects of litigation and set rules that should be followed before, during and after court action.

 

Unless YW is prepared to challenge the DCA by stopping paying, nothing will change. YW will keep paying for as long as this outfit keeps threatening her.

 

1. Have you been sent annual statements showing how the payments are reducing the amount owed on the loan a/c.

 

2. Is any interest being added to the balance.

 

3. Approx how much is owed now.

 

4. How much is being paid each month.

 

I'd ignore the sol'rs until you give us more info.

 

:-)

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.

 

Thanks !:-)

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  • 1 month later...

ruddy fleecers!!

 

 

well done.

 

 

dx

 

 

The Consumer Action Group needs help to cover its expenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

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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well done, shame about the extra payments made

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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it is current wisdom

once the CCA fails

 

 

you go quiet

they are quite well aware that they have no legs after a CCa fail.

however in your case

the CCJ trumps the need for a compliant reply

 

 

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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  • dx100uk changed the title to P&J old barclays OD 'debt **WRITTEN OFF**'
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