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    • Just circling back with a thanks and an apology.   Apologies because, I honestly thought I'd replied to thank everyone and update, but turns out I hadn't. Sorry. So first of all, a big big thanks to the Forum and all those that helped me on this thread, especially @dx100uk and @AndyOrch. The work you do is awesome and I'm sure I'm only one of many who are extremely grateful for your support. So, in terms of a belated update, Moriarty withdrew, well they said ADCB did. So that's a result. Whilst that was a few years back, I still get emails from odd 'agents' locally in UAE - usually at a weekend - or reminders from ADCB. The sums offered by the agents for a settlement are a fraction of the sums that were claimed - like 75% less - so one would presume if one wished to settle, dealing direct with ADCB may be even less. If it helps anyone, what I would say is this. 1) Listen to the advice from the trusted sources on here. They know their onions. 2) It can seem overwhelming to a layman with all this legal jargon, but don't let it scare you. Just take it a step at a time, listen and learn as much as you can from other threads, and trust the process. 3) I was surprised how shambolic Moriarty appeared to be in my case. Don't ever think the other party is above you in terms of knowledge, experience or how they will conduct themselves. Whilst it was during the pandemic, even on the remote calls with the court, in one instance Moriarty didn't even bother attending the call. In other instances, they didn't reply to certain requests I made via court process. Finally, they just give up the ghost, and a few years later I received confirmation of discontinuance. I'm not saying my experience is/was/may be typical, but what I took from it was it simply came down to brinksmanship and them playing the percentages on their part. Play the long game, take good advice, there's nothing to be scared off and if it's anything like my situation, you may well win the day. The longer things went on, the more you will feel you're on the right side. Especially once it gets into all the process, form submission and involvement of the court, stick to your guns and follow the advice.  It's nothing scientific, but if every case was like mine, it seems like these folks have the view that at some point, the defendant will crumble and give in, through fear or otherwise, so it's important to stay brave and keep pushing forward because the further you go, the more it will tilt in your favour. Play a straight bat and the long game. I've now come back to post due to another situation, different debt, and will start a new thread in due course.   So keep your chins up, fight the good fight and good luck to all, and sincere thanks for all the help.  
    • The NTK needs to be redacted, your VRN is still showing.
    • Hi, yes they swapped over after a brief period when the bank were sending something over.
    • Fair enough. But I don't understand why they send these letters. Do people really get scared and end up paying them?
    • That's a blessed relief. They would have been withdrawn because, as I said, they have no evidence that you were driving. That comes from the responses to the requests for driver's details which you failed to send. The important thing is that the speeding charges were laid. That makes life much easier (and far more likely to see a successful outcome). You need to make your SD and serve it on the court where you were convicted. The next you should hear is by way of a "Single Justice Procedure Notice" laying the four charges against you again. You will have three options (for each charge): Plead Guilty and do not attend court Plead guilty and attend court Plead not guilty You must plead Not Guilty to all charges. In the section headed “reason for not guilty plea” you can state that you will offer to plead guilty to the speeding charging providing, and only providing, the FtP charges are dropped. This is a procedure well known to all court users (prosecutors, magistrates and their legal advisors) and is carried out up and down the land daily. I’ll refer to it as “the deal”. Before the pandemic it was necessary to attend court to undertake this deal and speak to the prosecutor (the agreement of the prosecutor is required as the court cannot accept it without that agreement).  However, during the pandemic courts aimed to reduce the numbers of people required to attend to an absolute minimum and most courts accepted a written request to do the deal. Local police prosecutors made an agreement with their courts that the magistrates’ legal advisors could accept the deal. In some areas this arrangement has carried on. In others they have reverted to the old process where attendance was required. So your offer of the “deal” with either be accepted in writing and dealt with under the Single Justice procedure or you may have to attend court. In either event it is important to emphasise that you will plead guilty to speeding only if the FtP charges are dropped.  There may be slight variations to the process depending on how the individual area works but there is no reason why this should not be successful.    
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Lyn V Hsbc


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Have claimed on line on 22/12/2006 as i had not heard nothing from our wonderful bank

Hsbc acknowledged my claim om the 29/12/2006

Nice to know they at last realise i am here

Yesterday received a letter from Colin Langdale in reply to my LBA

He said he would look into the matters that i have raised and will contact me when he has completed his investigations!!!!

Do I inform him that i have already started court action or would he already know?

Also today have send my schedule of charges off to Deborah D'Aubney at DG solicitors as it was her name on my notice of acknowlegment

(by recorded delivery of course)

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no, if everyone who got a letter from the good colin responded to his newest stalling tactics with a response - he wouldn't be able to move around his undoubtedly huge office - which, although gives me pleasant daydreams, is totally unnecessary. just stick to the timetable. you seem to be on top of it all - 3 copies to the court too, referencing your claim number as with the one to dg as well.

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no, if everyone who got a letter from the good colin responded to his newest stalling tactics with a response - he wouldn't be able to move around his undoubtedly huge office - which, although gives me pleasant daydreams, is totally unnecessary. just stick to the timetable. you seem to be on top of it all - 3 copies to the court too, referencing your claim number as with the one to dg as well.

 

 

Thanks for that

Is it 3 copies for the court I have only sent 2 (the day after issuing claim)

 

Do i need to resend?

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  • 2 weeks later...

Have today checked on the MCOL website and Hsbc have defended.

So i suppose now the allocation process starts.

Wonder if they will ever make me an offer?

Might phone DG tomorrow and ask if they have received my schedule of charges (i know they have because they signed for the letter) but it might just push them to look at my case

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Have today checked on the MCOL website and Hsbc have defended.

So i suppose now the allocation process starts.

Wonder if they will ever make me an offer?

Might phone DG tomorrow and ask if they have received my schedule of charges (i know they have because they signed for the letter) but it might just push them to look at my case

 

hi lyn

you're just ahead of me so i'll be watching your thread with interest!!

hope you don't mind me jumping on your thread

netty

If i've been helpful in any way....then tip my scales over there!

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I dont mind at all Netty

Its just nice to know we are not on our own and there are loads of people just in front of us or just behind us

Dont think the banks would agree though

It does build your confidience up just by reading the success's

And fingers crossed in a couple of weeks we will be among them

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yes, now is the time to start your active process - objective, to get an offer before the aq is due - so, monday, ring dg and ask if they have received your breakdown -

you might try asking if you will be hearing from them anytime soon.

see how it goes -

next time you call - maybe a couple of days later, tell them you will be filing your aq shortly and were hoping to avoid further costs both for them and yourself (that's if your claim is for more than 1500 - if it's less it doesn't cost to file the aq),

 

there is one thread on here - looking:

Me V Hsbc

from the point where you are he faxed a copy of his breakdown every day and got his offer quite quickly - he thinks that did it - i wouldn't disagree.

 

as for the aq - keep the date in your sites - and by all means look on the site for aq stuff - there's plenty here and maybe even fill it in - but don't send it until the last minute - but don't miss the deadline - our goal is to get an offer before it's due and you won't have to file it.

map out your attack plan and get with it - there's lots of phone no's, fax and e-mail addresses for dg floating around - i'd say fax (if you can) a breakdown today and ring on monday and take it from there.

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As I cant get access to a fax until monday decieded to send DG a short note saying

 

In respect of the above claim please find enclosed an up to date copy of my schedule of charges.

Please note that if i do not receive a full offer of settlement before the Allocation Questionnaire is filed on 03/02/2007, I will have to incur an extra £100 in costs which will be added to the current total claim of £3283.09.

 

Yours faithfully

 

I sent this letter off this morning by Royal mail special delivery which they say will be delivered before 1pm monday .

This service cost £4.10 but i read on another site that it is better than registered or recorded as business's tend to have bundles of mail so if they have a loads of registered/recorded it comes out in a bundle and they sign for the bundle while with special delivery they have to sign for the letter.

 

I will phone DG in my dinner hour monday (2-3pm)

If they have not got this letter,hopefully they confirm if they have the previous

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  • 2 weeks later...

Just to update this thread

 

have had a phone call from Julie at DG today

They have my schedule of charges but the claim is with the clients it will be another 2-3 weeks

 

Aq is due to be filed next tuesday when i will be sending DG another up to date schedule of charges which will include the £100 AQ charge

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will be sending it on saturday

 

It is all prepared and ready to go

 

Just holding on for a few more days in case HSBC & DG manage to get their acts together and somehow me send me an offer LOL

 

I can but dream (but what a nice dream)

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still no news

 

Sent my AQ off on saturday to the court and also another schedule of charges to DG will the AQ fee included

Both were sent special delivery so they should be received today

 

Whats my chance of an offer this week?

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  • 4 weeks later...

Update on my case

 

Received offer from colin offering £2442.00 two days after AQ was filed

 

Received offer from Dg for full amount plus interest plus court charges on 17th Feb

 

Accepted full amount it was paid into my account a week later

 

My advice is do not accept smaller offers from Colin & his team just play the waiting game and DG will pay you in full

Believe me I have a bulging bank balance to proof it

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most excellent news

and very good advice to those still waiting.

 

see this guys - colin still offering after the aq is filed.

 

her advice: hold out for the full amount!!!

 

 

CONGRATULATIONS!!!!!!

well deserved.

spend wisely

yeah!!!!!!!!!!!!!!

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