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    • Please see below for an extract from the letter more about my case.    You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
    • Hi,    I will look over your case shortly.   I am sorry for the delay.
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Friends LLoyds credit card CRA file entry question


nunnyrose
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account was defaulted in nov 2010,

token payments made until early last year then stopped paying as no CCA.

 

Just received letter from Lloyds saying default registered on file in 2010 is to be backdated to 2008

and as this is more than 6 years ago the default no longer applies.

 

Does this mean they can no longer enforce even if they produce CCA?

 

is it SB even though token payments were made up until last year?

 

Thanks in advance

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no

sb date runs from your last payment

nothing to do with defaulted date.

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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what type of account by the way was it?

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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blimey you must have loans of cards

as this cant be the 2 already litigated on?

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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lol, this ones not my card....it's a friend who's asking. I don't mind helping out a few friends as it's all practice and learning for me. (mind you, I do think they should donate to CAG!)

.....and the others are mine and Mr Nunny's so thankfully not all my debt!

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ah ok great - lets answer the questions properly then..

 

 

account was defaulted in nov 2010,

token payments made until early last year then stopped paying as no CCA.

 

Just received letter from Lloyds saying default registered on file in 2010 is to be backdated to 2008

and as this is more than 6 years ago the default no longer applies.

 

Does this mean they can no longer enforce even if they produce CCA? they can upto SB date

is it SB even though token payments were made up until last year? - no

Thanks in advance

 

 

is this still owned by Lloyds or does a DCA have it?

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

no chance of court then

they'll flog it on.

 

 

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

Well I'm really surprised lloyds haven't sold it on so far,

my friend started making token payments of £5 pm for about 5 years.

 

 

This time last year I suggested she requested cca, wetcloths couldn't provide so she stopped paying.

They write to her once a month to say account remains on hold.

 

Lloyds haven't contacted her at all until recently,

firstly to say they had refunded to the account an overcharge of interest from 2 months in 2010 (£80)

 

She (me) wrote back asking for more information.

They replied with the details and offered a £75 goodwill payment.

 

We wrote back as the amount of the overcharged interest was wrong...should have been £86.

 

They have now replied saying they will refund to the account the correct amount,

+ a further £12 to the account for a late payment charge

and a goodwill payment of £150 by cheque direct to her.

And backdating the default date as above.

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brill

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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