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    • When you have completed your SD you will almost certainly be asked how you plead to the offence(s). Hopefully you have been "dual charged" with both Failing to provide driver's details (FtP) and Speeding. So long as you were driving at the time of the allegation you should offer to plead guilty to speeding providing the FtP charge is dropped. Do not under any circumstances plead guilty to speeding unless and until you have this agreement. You cannot be convicted of speeding unless you plead guilty as they have no evidence that you were driving. The danger in pleading guilty without the deal is that you will be convicted of speeding and they can still continue with the FtP charge. On the basis of what you have said success will not be impossible but will be problematic and the possible outcome is nine points. The "deal" is a well known procedure to prosecutors and Magistrates and is exercised in courts across England & Wales every day and is nearly always accepted. It is nearly always accepted. If you can, arrive at court early and ask to see the prosecutor. You can put your offer then. If not, make the offer when you have completed your SD. If by any chance it is not accepted, plead Not Guilty to both charges and come back on here (your case will be adjourned to a later date). We can then decide whether you have a reasonable chance of successfully defending the FtP charge. Certainly at this stage you do not need a lawyer. You probably wouldn't need one if you have to defend the FtP charge either but let's wait and see what happens on Friday. Save your money for your fines, etc.   You need to make every effort to avoid a FtP conviction. It carries six points but most importantly an endorsement code (MS90) which insurers hate and it will see your premiums increase dramatically.
    • “There is the science, and then the art”.   The science gives you verifiable facts and figures. The art is applying the science in the real world, taking human factors into account.   If I had been in Wuhan, I’d hope I’d apply the principles of Bentham utilitarianism, taking all measures I could to protect myself but without risking others (so, no lying to evade movement controls). Yet, until actually placed in that situation: would I? I don’t know what I’d actually do until I’m in the situation.   What then if (early on in the Wuhan outbreak, before the travel embargo) I am already booked on a pre-planned flight out? Do I cancel it? Not if I don't have a temperature....   What if I have a temperature? I should ‘not travel’, but what would you (or I) actually do? Public opinion (looking at the case of the ‘Michelin traveller’) says to travel would be selfish.   What if I had a temperature, but my flight (booked before the outbreak) was to visit a terminally ill relative, who had only a very short time remaining?. Things are rarely cut and dried.   What would you (anyone, not just me and HB) do? Do you believe that what you think you’d do (when considering the issues) is going to always be the same as what you do when actually in that situation?   Human factors. Eyam plague: The village of the damned http://www.bbc.co.uk/news/uk-england-35064071   Would people do the same, today?
    • To just show there is nothing adverse on it and the address is not on there, anything really to help me? I really don't know as I say i have never been through this before.
    • Thank you. We were sort of saying the same thing then, that people and human nature make controlling disease more difficult?
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Lowell Pre-Legal Assessment letter

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Hello everyone 😬 it’s my first post.

 

Have received Lowell Pre-Legal letter as title shows. It relates to 3 separate debts...

 

1. Capital 1 credit card £331.73. Last payment on the account was May 2013.

2. Vanquish credit card £725.86. Last payment on the account was September 2013.

3. Vodafone £1479.88. This one is NOT on my credit report.

 

As yet I’ve had no communication with Lowell and really would appreciate advice on my next move.

 

Thank you in advance!! 👍

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DCA's are not bailiffs and have no more legal powers than you or I.


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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

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Thank you for the replies.

 

Am I correct in thinking I should wait until a letter of claim is sent before sending a cca request then?

 

I know you’ve all answered these posts a million times previously but because I have had no contact with them since 2013 and I know we are coming up to the 6 year mark I am anxious to not suddenly get in contact if I could wait it out?!?!

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if all you've got is the pre-school letter ignore them

UNLESS you've moved since taking these debts out?

 

await the PAP letter


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Yes I have recently moved to this address (4months) and letters have started since month 2/3

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then you leave yourself open to backdoor CCJ to the old address that you'll know nothing about

hence why they are sending phishing letters to your new address.


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Ok so what should my plan of action be? Many thanks in advance!

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when did you take the cards out


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One was December 2012 and the other March 2013. With reference to the Vodafone account I have no info as it’s not on my credit report. Thanks

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ok tell us about this voda debt it might be the best one to write and state its all foreign roaming or WHY as I doubt its charges to end of term..

 

tell us the story.


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I believe it was a contract taken out with a new phone by an ex partner in my name. Payments were then stopped and I was liable for the contract.... no idea on dates or anything as I have no record of it and nothing on my credit score account. ☹️

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then simply send them the prove it letter from the debt collection section of our library

 

that'll give them your new address

and wont invite letter tennis about the others.


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Ok will do. Many thanks for taking the time to respond.

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ok thanks. I will update if/when I get a response.

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