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    • 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.
    • Looks similar to you original email to their Complaints team. I dont rate copypasta for a CEO complaint. Rewrite it with emotion involved as to how badly this is affecting you and make them feel embarrassed for their actions... 
    • Well, not quite the trouncing they deserve, and Andy Street suffering - despite distancing himself from the poops and being a good mayor (and despite the rather ridiculous muslim voter labour boycott across regions - did they really want the tories to stay in power?) - But not bad at all The Reformatory goons managed two council seats didn't it - out of over 300 they tried for ..     
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    • We have finally managed to obtain the transcript of this case.

      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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Lloyds/TSB Trustcard CC from 1988


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So what you're saying is that the 7 entries that i have from line 20 to line 131 should be added up and divided to give a value for all blank entries up to line 131.

 

So; £4.77 + £6.17 + £5.81 + £6.50 + £4.92 + £4.88 + £4.52 = £37.77

then divide it by 7 to get

 

£5.40 as an average value

 

OR

 

Should it be £37.77 / 111 Lines to give £0.34 per line

 

HELP !!!!!

 

Thanks

Kholo

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https://www.consumeractiongroup.co.uk/forum/profile.php?do=editpassword

 

Make sure that it's not an email service which is blocking us or directing us to your spam folders. We are having problems with Gmail and with Hotmail at the moment

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Managed to change my email address ok - got a confirmation email ok - but i don't get emails when replies are posted to this topic. Any ideas?? I'm not on Hotmail or Gmail.

 

Thanks

Kholo

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£5.40

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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Replied to your email BF

 

good. At least it works but I have no idea why you're not getting notification emails. You need to check it with some IT person but start off with your spam folder. Do you have any filters which lead to immediate deletion rather than going into your deleted folder

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I'll double-check m8 - it's not a huge problem but just easier to know when to check the thread as opposed to just logging in and looking.

 

Thanks for looking into it for me

 

Cheers

Kholo

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£5.40

 

What i've done is only enter the averaged PPI amount of £5.40 back to 08/89.

It's the earliest date that we have any evidence for.

 

Short of trailing through all the old bank account statements and looking for payments to the credit card via cheque.

That could be massively time consuming and I don't know if in the end it would be an acceptable level of proof for either the Bank or the adjudicator.

 

I don't know what IS and ISN'T permissible - but i'm learning :)

Edited by dx100uk
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good. At least it works but I have no idea why you're not getting notification emails. You need to check it with some IT person but start off with your spam folder. Do you have any filters which lead to immediate deletion rather than going into your deleted folder

 

OK - sussed it - it was my Everycloud spam filter. CAG is now whitelisted :)

 

Thanks

Kholo

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On the spreadsheet StatIntSheet v101 - can i clarify a few things?

 

The claim from date is the first date i have PPI charges - is this right?

The claim to - it the running date (ie today) until the claim is established

 

What is the 'date of charge date' ?

 

Thanks Kholo

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On the spreadsheet StatIntSheet v101 - can i clarify a few things?

 

The claim from date is the first date i have PPI charges - is this right? - no day after claim to date on CIsheet

The claim to - it the running date (ie today) until the claim is established - you leave alone it auto increments

 

What is the 'date of charge date' ? - same as claim from

Thanks Kholo

 

 

you are entitled to 8% statint until they settle

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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you are entitled to 8% on the reclaimed total sum as you've been prevented from investing it and you cant claim their int to settle 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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Share on other sites

post your sheets up

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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no private advice allowed

+ it helps others which is what cag is about if they are here

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 it will harm anything

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

Totally understandable. My wife was just a little concerned that the Banks watch this forum and might somehow get the upper hand.

 

we don't get into skulduggery here.

We try to act openly, transparently, honestly. By coincidence these are the qualities that all of the banks are unable to demonstrate – including many of their staff, unfortunately.

 

If you have a good case which will win on its merits then it doesn't matter who knows about it.

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hi all. can anyone help. I had a 3000 loan with ulster bank (rbs dealing with it) of which 435 they say was ppi. the loan was from 2003-2006 and i think the interest rate was around 13%. Can anyone work it out.

 

Also i had a burtons card (santander dealing) were they offered 406.90. the ppi paid was 174.06 and was from sept 2004 to to 2006. they have reconstructed the account from 2004-aug 2005 as they said they have no transaction history. but they do have the transactions from 2005 onwards. I have sent of a SAR. Can anyone help. Thanks.

I'm sure that we can help but I'm afraid that you are in danger of hijacking somebody else's thread.

 

The way to deal with this is to start a new thread so that your story is clear and the thread belongs to you and you will get lots of help and advice.

 

Please don't be offended but I shall be deleting your post in the next 10 minutes or so once you have read this.

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  • 4 months later...

Hi all,

 

Apologies if i'm posting this in the wrong area (i seem to do that alot).

 

Quick question.

I have a Lloyds Bank Trustcard CC going back to 1988.

I've been recently educated by the brilliant CAG membership that in 2009 the OFT (defunct) ruled on charges prima facie unfair and capped them at £12.

 

Are there any useful spreadsheets for calculating and claiming back these overcharges.

 

That's all folks

 

Thanks

Kholo

Edited by dx100uk
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Even if they are over not £12 you can reclaim all of them.

 

See the shelley threads or the martin2006 threads is the best way

Explain s everything

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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Use the search cag box top red toolbar

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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