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    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'Β  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.Β  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday. Β  Β 
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this: Β 
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate. Β  Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future. Β  How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignoredΒ  Β  By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx Β 
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Bizarre Letter including a cheque received from HSBC....Scam ?or dangling a carrot for fishing? confused...


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Hi AgainΒ  every one,
here im again asking for advice, im not sure where to post this thread so i created this under the bank name, did search CAG & google didnt come across this exact situation.


I Received a letter fom HSBC today first one ever so suprised what it was about it goesΒ  a below, apologies for the spelling mistakes in advance.

Dear MR *****,
our Reference ****Β  "quite long"

Relavant acount number(s)*****

Β 

Β 

we recognise that you may no longer me a customer with us , however we are writing to you because we've undertaken a reviewof the above account(s),

we've determine that the quality of service you received rom us did not meet the standard...etc...... you should be compensated for your experience.


the address information we hold on file may no longer be up to date ,thereforwe the information included in this letter is limited for confidentiality reasons.further details can be provided upon reqeust..

the payment due to you is Β£25.00Β  a cheque for this amount is attched .

what we need you to do

simply bank the attched cheque....etcccc. goes on to say if this is not possible ( it isnt now) they direct you to a website , hsbc.co.uk/mydetailsΒ  which will ask you for all sorts of details and documentaionΒ  for verification( suspicious to me ).

i am stumped by this .as i mentioned in my previous thread i only returned to the country and went on the electoral roll at my current address last year.

Β 

Β 

this is the first letter i have received from HSBC

i, used to have a CC with them ( default when in 09/20009 .last payment 06/2009) no acknowledgement since ever .Β 

have checked saved credit file from 2014/2015Β  they dont seemΒ to have updated it since 2012 obviously this fellΒ i guess somewhere in 2015.

they dont seem to have assigned it to any one either(not sure)

Β 

there is a GAIN marker in the old file.

i didnt know they kept records over 11 years anyway


come to the present day no CCJ's ,

checked registry trust for CCJ's no records,

even during those days i dont remember receiving manyΒ  collection letters from these before i left ,

definitly didnt make a complaint either.

Google serach says they automatically review accounts with HFC & john lewis accounts for compensation .

only had a 1 HFC finance account but that was before my illness & financial troubles and i definitely paid that off with out a missed payment ,

it does not appear in the old CRA file i guess its because its so old ,

no JL finance accounts ,

so im really confused about this.

Β oh most importantly the last digits of the account number they give doesn'tΒ match my old CC number , dont know about old HFC dont have any records, but i never complaint about that i dont think , think it was only small monthly payment .

apologies about the length of the post , any thoughts welcome, is this a fishing expedition by dangling a Β£25Β  carrot i have no intention to bank it anyway even if it was possible,

Thnaks

Β 

Β 

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cant harm you bank it

Β 

dx

Β 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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thanks dx like your thinking , but its so bizarreand out of the blue it too good to be true even if its Β£25 πŸ˜…πŸ˜…Β  and add to it they ask me to bank it in 3 differnt places too eager , cant find anything on a websearch either so thought id like to know more details too many sharks aboutΒ  , 2nd time i declined a handout this year :p

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i wouldn't be refusing any handout at all

there is no reason

it cant reset anything

and most certainly can never be used as acking any debt.

Β 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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But - if there are any problems - don't give any personal details

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Thanks for the replies ,yes went to the link stated on the letter definitly asking for a lot of document copiesΒ  and other data..πŸ€”, just google the number on the letter and came up with this,one mentions they had geniuine acc numbers but not so in mine completley wrong, even in part .
https://scam-numbers.co.uk/Number/03455873533/

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GobbledegookΒ 

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🀣 i just read my reply back

Β 

ooops i used quote 😐

Β 

cant edit my reply , meant to say above ,

i googled theΒ  contact NumberΒ on the HSBC letterΒ 03455873533 and came up with the above link

seems like im not the only one who got the exact letter , all seems to have received it within the past few days.


one comment mentions that the letter had their correct account numbers ,but the letter i got hasΒ  a completely different account number no part of the account number matches the genuine number .

Β 

apologies for the GobbledegookΒ 

Edited by listless
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Just to update this thread for the op.

Β 

I have received the same letter with a cheque for Β£25, the letter had my correct A/C Numbers on as well.

Β 

The letter is vague as all it states is that they have reviewed their collections and recoveries departments and that it did not meet the standard that they expect.

The letter does not say what had gone wrong or where, what standards had failed and I will now be following up on this.

Β 

This stems from our Accounts from 2008 btw and we continuously thought with HSBCΒ before it got to the collections stage so they have now opened up more questions that I want answers to.

Β 

HSBC found my new address, I did not give HSBC my latest address as I had postal redirection and the Accounts have beenΒ statute barred for nearly 6Β years now.

Β 

Stigman

Β 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

Β 

If I have helped you, click on the star & say thank you

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Just as update to Stigman,

the letter I receivedΒ does not mention collections and recoveriesΒ at all .

the account number is definitely wrong .

Β 

like @Stigman i did not give them the current address either in fact the old credit file even has a GONE AWAY marker too,

Β 

mine has been SB'd for over 5 years now , so im in the same boat.

Β 

having looked at that old CRA file it says satisfied with a default balance , so they must have sold it on perhaps in 2013 as it wasn't updated since ,but no other records on file to who may have purchased it .

MSE has this article but it doesn't seem relevant me MSE Article & which article

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Bank the cheque.Β  No doubt it will bounce - but you never know.

When it bounces - that is when you are meant to access their website link and enter your personal details - but of course - DON'T.

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Thanks , whatΒ  I can't understand is why they would go to such elaborate scheme to try collect statue barred debts ( if that is what they are trying to do , certainly on my one I'd does seem so ,as the account number is wrong , unless some one stole my identity and opened an account in a different address and defaulted it.

Β 

AmΒ  I correct in thinking this wouldn't appear on my credit filesΒ  unless it goes on public records?

My credit score has been pretty good for a while now even though I shouldn't be approved for credit as I still hardly have an income to speak of πŸ€”Β unless someone told porkies. I hope this is not the case.

I even checked the bank address on the cheque it seems a genuine HSBC bank branch.

55 Above Bar StreetΒ 

Β Β Β Β Β Β Β Β Southampton, SO14 7DS

As I said bizarre..

Btw : they have a Q&A section on the letter where they say they might write again as the review system may not have completed. Does sound like a fleeces letter.

Β 

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no it's not a fleecers letter...

can't harm your credit file as you are not admitting to anything.

if the account is still with the original creditor then on their books its never statute barred

if it's sold, then it is and nothing can ever reset that.

Β 

its also worthy to not that if you did still have any debt with the OC, they would be sending you a cheque, they'd take it off the balance..

Β 

dx

Β 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Thanks dx,
when you sayΒ  " on their books its never statue barred "Β  by law its statue barred correct? its been 11 years since the default and never been acknowledged afterwards , i should have couple more old saved credit reports from 2013/2014 ill have a look n see if its comes up with another purchaser ,not that it matters, but will get my mind off it a but

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debts still owned by original creditors still on their books don't effectively become statute barred as they can always use offset.

in E&W the only thing SB does is removes being able to enforce a debt, so what's the point ofΒ court if it cant ever be enforced. they don't bother.

Β 

but if read things carefully again...as i said, if there was a debt to the OC they wouldn't be sending a cheque would they..think abou tit..

Β 

Β 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Just bank the chequeΒ 

100% genuineΒ 

Banked mine, cleared,

money in account ready for a bottle of something on HSBC for ChristmasΒ 

Have written to HSBC requesting details of their "failure "

and will decide on the details of their reply whether to press for further redressΒ 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Β 

Β 

Β 

Β 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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My letter and Cheque is attached.

Β 

I have searched like Listless the addresses both on the Cheque, and the Business Centre and these comes back as correct for HSBC.

Even the FCA number in the small print on page two is correct.

The pages have a good quality feel to them, not something you would expect from a scam.

Β 

Just so weird that the telephone number that they ask you to call is not only on spam lists but also not showing on HSBC's own Phonebook list in their help section.

Β 

I will be phoning HSBC tomorrow and asking them directly.

Β 

Stigman

Β 

HSBC Cheques CAG.pdf

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

Β 

If I have helped you, click on the star & say thank you

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Like @Stigman the cheque is the same but letter is not quite the same , I have attached the first page ,there is also a Q& A section.
to add to my previous comments , i have come across the HFC entry in the old Credit report , and that account number doesnt match the number ststed on the letter either , so i dont know what this account is at all !! no other dealings with HSBC in over 12 years ,in the mean time the HFC account was never over due in fact i have paid it off in 8 months with out anything being missed!!

Β 

Β 

hsbc refund letter.pdf

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if these payments are anything to do with any HFC account of any type in any of their many names.., beneficial finance, hamilton, marbles, endeavour..Β  you can bet your bottom dollar you can add atleast 1Β zeroΒ to the end of the sum they are offering ...customers were always ripped off..

Β 

try and use PDF please, images to screen force people on limited bandwidth to wait several minutes for pages to appear thatΒ they could otherwise choose not to view..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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done it for you.

Β 

whilst you are both on the same thread...

WERE these HFC accounts?

Β 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Share on other sites

Thanks dx. I cant say because the account number mentioned match neither my HFC nor my HSBC account so in my case i dont know what its about at all!!,
as i said HFC didnt fall into arreas ,but HSBCΒ  CC did and was defaulted in mid 2009.Β  i only learned about HFC & JL accounts from the MSE article i linked to from 2019.
Β 

Edited by listless
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credit card would be 16 digits

Β 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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DX . They have only mentioned the last 4 digits it doesn't match any account .Infact anyΒ  of the four blocks of numbers at all, don't have the full HFC account number,but the last 4 doesn't match.

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