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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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Inconsiderate driving offence - overtaking & going through a RED light reported by dash-cam footage


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I have been given the option to plead guilty under single justice procedure or

plead guilty in court or 

plead not guilty

my question is

there is video evidence

I am going to plead guilty

if I decide not to go to court under the single justice can I still appeal their decision and will it be best to get a lawyer

thanks for any reply’s  

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A lawyer will be a waste of money.

if you are happy you are 100% at fault then sometimes its better to appear in person to show your genuine remorse.

 

Dx

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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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As far as appeals go, decisions made under the Single Justice Procedure are subject to the same rules as those made in the ordinary Magistrates' Court. In fact, apart from the defendant being unable to attend an SJ hearing, there is virtually no difference between the two.

 

If you plead guilty (whether under the SJ procedure or in the normal court) you cannot appeal against your conviction. You can, however, appeal against your sentence. Your appeal must be lodged within 21 days of your conviction and it will be heard in the Crown Court before a judge and two Magistrates (from a different Bench to the one which originally sentenced you). You should bear in mind that the sentencing exercise is conducted afresh and you can be handed a more severe penalty than the one imposed in the lower court. If your appeal fails you will be ordered to pay costs.

 

As an aside, you mention that you have been charged with "inconsiderate driving."  For a prosecution for that offence to succeed there must be evidence that another person has actually  been inconvenienced by your driving. This is covered by RTA S3ZA(4):

 

"A person is to be regarded as driving without reasonable consideration for other persons only if those persons are inconvenienced by his driving." [my emphasis]

 

The CPS charging practice guidelines for the offence says this about the difference between careless driving and inconsiderate driving:

 

"in cases of careless driving the prosecution need not show that any other person was inconvenienced. In cases of inconsiderate driving, there must be evidence that some other user of the road or public place was actually inconvenienced."

 

So does the evidence you have show that some other person was inconvenienced by your driving?

Edited by Man in the middle
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The charge was overtaking at a red light and going through on red someone reported it by dash-cam footage  

 

My main concern is if I get a ban this would mean I  have no way to get to work and I have a child and a mortgage  

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I was approaching the T junction where there are traffic lights the car in front braked on a orange light I overtook them turned right at junction on doing that the lights had gone to red the car behind me captured it on dash-cam and reported it to police 

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oppss!

 

you wont be doing that again 

i think you are lucky you only got inconsiderate driving.

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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Before we go into likely the likely sentence, it's important to establish whether you have a defence to this charge. Have you been served with the evidence the police have against you? If so, does it provide any proof of who was inconvenienced by your driving? Is it the person who submitted the dashcam footage?

 

As to the likely sentence, the offence carries between three and nine penalty points or a ban. However, a ban would only be considered for the most serious cases and from your brief description, whilst your driving seems quite bad, I don't think it reaches the top end of seriousness. If you want to see them, the sentencing guidelines are here:

 

 

Those guidelines are for careless driving, but they are used for inconsiderate driving as well. You can see there are three bands of seriousness and from what you have told us I believe your incident fits with the middle band, meaning the court might consider 5 or 6 points. You should note, however, that although the court will listen to anything you have to say (or read what you have submitted if you do not appear in person), if a ban is being considered you have no right to argue about the hardship you may suffer if you are banned. That argument is only available for "totting up" bans.

 

But before you worry about that, it is most important that you look at the evidence to see if it supports the "inconsiderate driving" charge.

 

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47 minutes ago, mantis shrimp said:

"inconvenienced" by the OP. Is that an essential element of this offence? 

 

Yes. See my earlier reply quoting the legislation and the CPS charging practice.

 

Indeed the driving behaviour does not look good. But if the OP has been charged with inconsiderate driving, the prosecution must prove that somebody was inconvenienced. It's insufficient to prove that  they might have been or they could have been. They have to prove that they were.

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Has the OP edited? I cannot see that he has specified the actual charge. 

I forgot to include overtaking a vehicle in front that had stopped to respect the changing light. Add that to jumping the light to turn right. He should be looking at disqualification. Having a child and a mortgage is not licence to be a danger on the roads. 

Maybe dx is wrong again: the OP needs Mr Loophole. 

Edited by mantis shrimp
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Quote

Has the OP edited? I cannot see that he has specified the actual charge

 

Heading:" Inconsiderate driving offence"

 

I would have thought that had the charge been "Careless Driving" (which does seem the most appropriate) the OP would have said so. Not many people mention "Inconsiderate Driving" unless they are prompted by something on their paperwork.

 

Quote

He should be looking at disqualification

.

Looking at the sentencing guidelines and using the limited information we have, I would suggest not. For a disqualification to be considered there has to be both "Higher Culpability" and "Greater Harm." There's certainly higher culpability present (in the form of aggressive driving, though that's somewhat arguable, depending on the exact circumstances). The only possibility of the court finding "greater harm" is if there was a high level of traffic or pedestrians in the vicinity. If they only find one or the other then the offence sits in Category 2, for which the recommended penalty is 5-6 points. As always, it's impossible to say what the court will find because we only have very limited details and we will not see the video evidence. But that's my "educated guess."

 

But more important than that at this stage is for the OP to confirm what the actual charge is and, if it is "inconsiderate driving", whether there is evidence to support that.

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I made a post a couple of days ago but I didn't really provide much information so I've made a new post. I've uploaded a few screenshots of the papers I've been sent. There is two photos that I've been sent which are bad quality, I've edited my car out in blue.

This is my version of what happened.

I came to a set of traffic lights which was on green, the car in front braked (hard, not that it matters) as the lights started to change to orange and at that moment I quickly overtook the car in front just as the light turned red

I did go on the opposite side of the road obviously to pass the car in front but on the video it looks like I'm on the wrong side for longer than I should be, but when you turn right at these traffic lights, you do have to cross over slightly if that makes sense.

I was in the wrong.

if I'm banned I will lose my house as I need to drive for work and I have a 3 year old child.

I've been very worried for what the outcome will be for months and I've encountered depression like never before.

My main question is should I pay a solicitor (quoted £680) or should I plead guilty and go to court/not attend court?

Your advice is most appreciated, thank you.

I've uploaded photos of the letters I've received and images of the dash cam footage I was sent although they are bad quality and I've edited my car in blue. 

Would I be better off paying a solicitor?

Man in the middle.

The person who sent their dash cam footage was the car behind me and he left a description of what he saw.

The charge is inconsiderate driving and the proof is the dash cam footage.

I haven't seen the footage myself but have been sent bad quality photos printed on a letter.

SJP+Incicent photos.pdf

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6 minutes ago, Hippylife said:

Would I be better off paying a solicitor?

Your choice. None of the evidence you have posted here shows who was inconvenienced by your alleged inconsiderate driving and it does not show how they were inconvenienced (unless that inconvenience stretches to having to submit the footage, which the court should not entertain). In my earlier post (#3) I explained the difference between Careless Driving and Inconsiderate Driving and explained that to secure a conviction for the latter the prosecution must prove that somebody was indeed inconvenienced. I don't see how they can do that from what you've posted here.

 

The danger you face is that at some point, if a prosecution lawyer who knows what he or she is doing gets hold of the papers, they may see fit to amend the charge (probably to one of Careless Driving, of which I'm sure you would be convicted). They can do this right up to the closure of their case at the trial.  You should then be given the opportunity to change your plea (as the offences are materially different) and, if you plead guilty, receive full credit for making that plea at the first opportunity.

 

If it was me I would plead not guilty and opt for a trial. But if you are not confident enough to do that and see it through yourself you may be better off consulting a solicitor. At the very least it might be an idea to have a consultation to get an opinion on how the evidence might support the charge, because to me it doesn't.

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Thread tidied

Explanation text with your pdf now showing

 

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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BazzaS. No one had to slow down or speed up, I was in no ones way.

 

The other car you can just see is the car that went through the green light before the car in front braked for the orange light. I wasn't anywhere near that car, I didn't get close to it.

 

Its one of those traffic lights where it changes quickly and because I actually live there I'm used to people rushing through them and that's what I was doing.

 

The car in front kind of put their brakes on hard as soon as the orange light came on and stupidly I quickly went round him.

 

There was no cars moving at any other direction as the lights hadn't changed at their side from what I remember. I'm certain no cars had to slow down or speed up though and the car in front of me was already braking to a stop.

 

Just had another look at the photo. You can see two cars turning left and one turning right. Those are the two cars that went through the green light before the one in front of me braked for the orange light

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2 hours ago, Hippylife said:

The car in front kind of put their brakes on hard as soon as the orange light came on and stupidly I quickly went round him.

this should be obv from dashcam footage and is useful to your case. imho.

 

 

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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Honeybee13.

Yes a lane for each direction.

I crossed over to the other lane to overtake but no cars would be using the lane I went into as it was on red for all other directions.

It stays red on other sides because If someone turns right at the junction they have to cross over the road.

As I was going through the red light I think the other directions were still on red, if not then I know no cars were near me or had to brake/change directions as they were still stationary until I reached the other side.

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Was there a car to your right?

 

If so, offence made out.

 

(As your light was red, and you can’t be sure their light wasn’t green / you said you “think the light there was red” and they could have been delayed, even momentarily….. but inconvenienced none the less!)

Edited by BazzaS
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Yes there were cars to my right waiting at the lights. No car started driving from any direction though, I know it's still an offence.

 

If I get a ban I'll lose my job as I use a work van. I won't be able to pay my mortgage etc. Would I be able to plead hardship?

 

I was on holiday when this letter was sent out to me so its been about 10 days now as i only got back on Saturday. I'm going to ring a solicitor after work today.

Edited by Hippylife
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