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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.
    • Judges are now loaded and they are both deputies 😕
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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Am I on the right track?


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Hello

 

Long time reader of the forum and now my first post!

 

I have been in a DMP with Payplan since 2004 paying £200 a month  towards six debts with a  total starting balance of over £40,000.  All are long gone from my  credit file and are all with DCA either sold or managed, I don’t think any are with the original creditors, they have changed between DCAs many times I have printed off the full history for each debt  from Payplan in case I need it.

I realise I have been cash cowed and currently have an outstanding balance of £3,531 as follows:

 

Original debt                                                     now with                             current balance

Alliance and Leicester Loan                         Wescot                                  £276.12

Alliance and Leicester Credit card               Link                                        £174.89

MBNA Credit Card                                          Drydens Fairfax                    £1,165.01

First Direct                                                       Moorcroft                              £1,431.72

Co Op Loan                                                      Cabot                                     £266.10

Citi Bank                                                           Fredrickson                          £217.20

 

My original plan was to  go self managed, pay off the four smaller ones in full in January and then divide the £200 between the two larger ones and have those paid off in full within the year.

 

However having read through the forum recently I am inclined to see which if any are unenforceable.  I have my six letters and my six £1 postal orders ready to go but would appreciate any advice, anything I might have missed and no doubt further advice as the letters start to arrive!


A couple of points, I have claimed all the PPI I am able to, two years ago I received PPI from Santander for the Alliance and Leicester Loan, I supplied them with a  copy of my original credit agreement to do this.

 

First Direct were my current account bank at the time, their outstanding debt was rolled up and was current account overdraft, two loans and one credit card.  I also made a PPI claim two years ago against one of the loans and again supplied them with the original loan agreement.

 

Many thanks

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Send the CCA letters off now.  I shame it wasn't done years ago.  This advice has been available here for at least 10 yrs or so

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yes just POP.

 

1st direct will be the HSBC managed loan syndrome whereby they merge everything in to a loan the dump it back into your current account as a giant OD that you never even agreed too. totally against all banking codes.

 

just make sure you sent the CCA to the CORRECT people

Moorcroft and wetcloths are NOT DEBT BUYERs

so sent the CCA to their stated client from their letters.

 

 

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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remember don't sign 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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12+2 working days

 

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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