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    • Apologies if this has already been covered elsewhere but I haven't found a direct answer so here's my question.   Both my daughter and my partner have today each received a Letter of Claim from NPS. Both refer to 'incidents' in 2017 - my daughter's in March and my partner's in April. I remember these only vaguely but can't remember what (if any) action we took.   I remember my partner's more clearly because in their PCN where they claimed she'd overstayed (Cross Street, Long Eaton) there was something drastically wrong with their 'evidence'. I can't remember exactly but either their stated times contradicted or -and this is more likely from conversation today - they only provided one photo which was of her car leaving but nothing showing her entering the car park.   I have a feeling my daughter just chose to ignore hers, based on 'urban myth' from friends.   So anyway, today - more than two years on - both suddenly receive these letters from NPS with the usual rhetoric. I want to make sure these are both managed appropriately so I'm not sure what to do next and would appreciate any advice. I'm also particularly interested to read elsewhere on this forum that another case from said car park was rejected by POPLA in May 2017 due to insufficient signage and lack of planning permission for the relevant equipment:     This being the case, the same would have to apply to both our cases since this rejected case occurred just weeks after both of ours.   Not sure how much bearing this may have but I'm hopeful and your advice will be both very welcome and much appreciated.        
    • There will be no issues with a course offer if the dates are as you say. The usual cut off is four months from the date of the offence. This is so as to give the driver the time to accept the offer and take the course before prosecution becomes "timed out" at six months.   However, if the NIPs really were the first to be issued and there are no issues with the address details then both have a cast iron defence to the speeding allegation. The first is dated 20 days after the alleged offence and the second 23 days after the alleged offence. The Road Traffic Offenders' Act makes it quite clear that if a NIP is not served within 14 days of the alleged offence then no prosecution can take place. But as I said, late first NIPs are very rare and both need to check all the details I have mentioned before they decline any out of court offers of a course or Fixed Penalty.    For information, courses are normally offered for speeds up to (Limit +10% + 9mph). Only one course of any type can be taken in three years (with the date of the offences being used to calculate that period) and courses are not offered in Scotland. However, if a driver is not offered a course for any reason when he would normally qualify (including late NIPs) he has no right of appeal to have one offered. If the matter goes to court the court has no power to order a course.
    • My grievance against my manager is on Wednesday at 12.00 noon. A union officer is representing me. The representative for my manager is a product manager. I was told today that she is the Daughter or a Step-Daughter of the manager. Is this a conflict of interest? Am I correct in saying that, because the manager is the subject, the hearing has to be carried out by a person higher than the manager such as a director? if so, the product manager is not entitled to carry out the hearing. I'm pretty certain that I read this in law books. My Brother is a licensed union chairman but has since left his previous employment.  He is certain that I am correct . Any help would be gratefully appreciated.   diecastdave
    • Ok cool many thanks!  Much appreciated...I will check everything out now and answer all those questions!
    • Sorry,  its regular outgoings of payments. It’s income related they’re on, not contribution based.  Mum and applicant were totally unaware of the rules in regards to deprivation of capital.   On income related ESA but claim housing benefit and council tax support.   He hasn’t came into a huge chunk of money. It’s been spent over a duration of four years. appointee’s livid, and worried that he’ll be homeless.  
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Hi,

 

I have received a letter from Lantern requesting payment for loans I took out years ago.

 

The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years.

I think I defaulted on most of them six years ago that's why they are not on my credit record.

 

Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF.

 

I do not wish to engage with Lantern, what steps do I take to ensure I pay them or not

 

Thanks in advance.

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Then dont engage with them.......if they are statute barred anyway.

 

 

Andy


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Thanks Andy

Not sure if loans they refer to are statute barred, haven't got any of the correspondence anymore

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:bump2: The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record.


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Have you moved since taking this out?


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Mmf are masters at issuing backdoor ccj's

Even if the debt is statute barred


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Moved to the mmf forum


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Hi I hope you can help.

 

I have received a letter from Resolvecall to my address requesting that I contact them otherwise they will arrange a personal visit by one of their representatives, (they are acting on behalf of Lantern).

 

I think the debts they refer to are over six years old and do not show up on my noddle credit file.

I do not want them to visit my home address.

If they insist please advise most appropriate response.

I live in shared accommodation and do not want others in the accommodation made aware of their visits.

 

Thanking you in advance.

Edited by dx100uk
spacing

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old and new threads merged

please keep to one thread

 

resolvecall or snotcrawl ...sorry scotcall rarely turn up

and even if they do they are not bailiffs and have like every DCA ZERO legal powers.

 

should one appears VERY RARE.. you tell them to leave else you'll call police 101.

 

did you not resolve this in the now merged thread?

 

if your last payment was more than 6yrs ago, then send MMF our SB letter from the debt collection section of our library.


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Thanks dx100uk. Ok I am trying to get the sb letter from the library but get this message' CAG Library - you need to register to access the CAG library'

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I was logged on but did not get to the library even after several attempts. But thanks for your reply and I have got the sb letter from your link.

 

My concern then is that they can still enforce a ccj because of the following '"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4 I am not sure if they have tried to contact me during the limitation period or are doing so after.

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its statute barred you've told them

letter writing does not stop the clock!!


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You are saying Lantern can still issue the ccj even if I send the sb letter..?

 

 

Yes but your defence will be that the debt is statute barred, and if it is, the claim will be dismissed.

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no once told SB'd if they cant prove otherwise all comms should stop.


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Hi, I have received a letter from Lantern to a sb letter I sent them. The letter talks about one debt from Wageday which it says will be statute barred in January 2019. The customer reference number on the letter has a balance for multiple debts but only the wageday debt is mentioned in the letter.

 

The letter says:

'

Dear xxxx

 

We write with regard to the above reference account number and recent communication.

 

We note that you feel the Wageday Advance account should now be statute barred under the (Limitation Act 1980/Prescription and Limitation Scotland Act 1973/The limitation (Northern Ireland) order 1989). Firstly it is important to explain that an account only becomes statute barred if the last written acknowledgment or payment towards the debt is over a six year period. In this case , the original due date was on xxxx/2013 and will therefor not become statute barred until xx/01/2019.

 

If you have an queries or need to talk to us, please get in touch.

 

Yours sincerely

 

 

Lantern

Debt Purchase & Recovery Specialists '

 

 

The debts that the customer reference number refers to have not been on my credit file for several years. Ihave not responded to the letter.

 

Will Lantern now put the Wageday account on my credit file and keep it on file for the next six years?

 

Can Lantern use their letter as an opportunity to open up other debts which they have not mentioned in the letter but which I know have been included in the total debt of the balance.? ( I think the debts that have not been mentioned are statute barred).

 

 

Thanking you in advance and as always.

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They are talking rubbish!!

Sb is not from the due date!

It from your last payment

 

Typical bs from mmf


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What is significant about the date xxxx/2013, was that the date which a payment was due to the Wageday Advance account and you did not pay it?

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What is significant about the date xxxx/2013, was that the date which a payment was due to the Wageday Advance account and you did not pay it?

 

Hi. There was an idea that the COA( the date when the SB period began) was from the first missed payment. No one ever said it was the last made payment, how can making a payment be a cause of action?

See my earlier post

 

It is now established as being the date of the section 87 default notice.


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but not in every case. ….

when we start losing heeps of claims because this supposed default notice date is the cause of action

we'll start panicking

until then it means nothing.

 

dx


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Its a high court case DX, do you seriously think it wont come up.

I woul check with a solicitor, someone off the forums would be best.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi. There was an idea that the COA( the date when the SB period began) was from the first missed payment. No one ever said it was the last made payment, how can making a payment be a cause of action?

See my earlier post

 

It is now established as being the date of the section 87 default notice.

 

That is how I have always understood it. The statute barring period starts from the default date not the last payment unless a payment has been made since the default date.

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