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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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MMF contacting me again after repaying debt - Resolved


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Kinda makes sense then Fkofilee and obiter.... never knew that obiter, thax both... Still no reply from e mail I sent, guess will take days eh.... will post when/if hear more from them, back to reading this 18 page report to check all okay....

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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UP DATE.... received E Mail timed 17.26 from MMF

 

 

Thank you for your email. Please accept our apologies, your account Is closed and no further contact will be made. should you require further information please do not hesitate to contact me. from Danielle Shearman Risk and Compliance Manager Motormile Finance UK Ltd......

 

 

Cheers all.....

Edited by shywazz
correct spelling

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Really glad I keep ALL correspondence, otherwise I would have had NO proof of there letters from years ago showing full and final paid.... e mail printed as no dough might be needed at some point... cheers

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Result

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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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MMF are still actually quite bad, but have certainly stirred away from their old persistent practices... Wonder if them expanding and bringing in Denise Crossley changed that

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  • 9 months later...

Just food for thought really,

 

 

Am repaying a debt through Motormile Finance which I started over 6 years ago, old threads are on site..

This debt although now less than 400 quid which is great, fell off my credit report this month, hurray.

.. just have to get rest paid off now.

 

 

... Got a E mail last night, they have under taken another small debt,

looks like an old pay day loan for less than 600 quid,

I will dig ALL my paperwork out to find exact debt...

 

they e mailed stating I now have two open accounts and the monthly payment that I pay,

WILL be SPLIT between repaying both debts, what woohoo, can this be done, surely not..

 

 

. The monthly remittance is to pay the debt I am aware off NOT to be split

between one I know little about and possibly arguable,

 

 

IF the next payment is split between the two debts,

then surely that would result in admitting the debt,

since my debts are now 6 plus years old,

and been paying off for same amount off time,

 

 

I think this is a very CHEEKY Tactic and will get people admitting to debts they now aware off.

 

 

I'm okay contacting them in writing etc just wondered if anyone else has had such a bare faced cheek tactic been sent to them... known or unknown....

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Youre being cash cowed. BIG time. MMF have total and complete disregard for regulation and law.

 

Have you ever CCA'd MMF

 

regarding the payment. They cannot tell you which debt it is paid towards. YOU dictate what debt the payment is for. NOT them.

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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Also, i hope you havent allowed them to add on any collection fee's, interest or charges to your debts.

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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They cant do that....thats misappropriation of payments...you must tell them that you are not authorising payment to any another alleged debt and that your payment must go direct to account xxxxxx. in reference to agreement number xxxxxxxxx

 

If they do split any payment you should cease payment immediately .

 

Regards

 

Andy

We could do with some help from you.

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Certainly looks like churning, unilaterally allocating a payment to multiple (alleged) debts.

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Certainly looks like churning, unilaterally allocating a payment to multiple (alleged) debts.

 

 

Going to be devils advocate here... Payments made by SO to said DCA, Reference is that of one account. You have 12 months worth of payments with that reference allocated to said account but DCA splits them when it isn't allowed to.

 

Would I be right in thinking that legal action Could be possible against a DCA.

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Have decided to wait for written letter to drop on mat before taking any action,

made the last payment on the debt that has now finished.

 

 

until they WRITE regarding this other debt I am going to do nothing.

 

 

Sure postie will deliver something in due course. will up date as and when I hear from them.

 

 

Looked on my credit file and it does show on they, must have been added lately as check weekly,

 

 

however was defaulted in Sept 2010 so I'm guessing they are going to chase before the 6 year dead line.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Original default must have dropped off by now, and they can't re-default it so to speak, am with sillygirl, should be SB so report to fos.

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 OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Well as a follow up, Nothing in the post has arrived about this debt, so am still going to wait before making any move myself. As for the other debts separate threads, that I have been paying, I have finally plucked up the courage and bought five £10 postal orders and am in the process of writing out the CCA's to them all. I know I have been paying these five debt's for six years now, and all drop from my credit files this year.... But am now in process of CCA's to these collection companies. Quite nervous of what the post man will bring me mind, and nervous in stopping monthly payments while I await replies. But will put monthly payments to one side for when replies received and got checked on here, then can give payments to them if all okayed by the team on here. Will keep up dated.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Sorry meant I am writing to do a SAR not CCA

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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