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    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court and ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all. So you really want to exhaust every possibility of avoiding them if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
    • Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
    • I see the trial of the real criminal in the Biden Family has started rather than the sham political persecution of Trump    Biden will of course try to distance himself as far as possible to no avail  Even more votes for The Donald🤣    
    • Savings platform Raisin UK is offering a £50 bonus for new customers who sign up for an account.View the full article
    • With Farage back in the news, here's a reminder of his interview with Claire Byrne on Irish TV a few years ago.  
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Do Abbey go to court?


taylormandy
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I am helping my sister with her charges.

 

We are at the stage where we have returned AQs and the court date is set for 13th April.

 

I am just completing the bundles for her.

 

Do Abbey generally let it go as far as a court hearing?

 

I ask because I recently had to go to court for my own claim and found it very traumatic!

 

We have claimed for contractual interest at unauthorised rate, but we would be perfectly prepared to settle for statutory if it meant I didn't have to enter a court room again!

 

So - I would like to know if Abbey tend to push it to court, particularly if it involves contractual interest?

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I am helping my sister with her charges.

 

We are at the stage where we have returned AQs and the court date is set for 13th April.

 

I am just completing the bundles for her.

 

Do Abbey generally let it go as far as a court hearing?

 

I ask because I recently had to go to court for my own claim and found it very traumatic!

 

We have claimed for contractual interest at unauthorised rate, but we would be perfectly prepared to settle for statutory if it meant I didn't have to enter a court room again!

 

So - I would like to know if Abbey tend to push it to court, particularly if it involves contractual interest?

 

Hello,

 

You are the first post that I have read that actually went to court. Can you clarify the reason why you had to and if you won the case. was it because you claimed the contractual interest.

 

I would truely appreciate your response.

 

I have read many threads on the Abbey Forum, but none have ended up in court,

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi,

My own case was against Nationwide and it involved charges more than six years old, so I was using s32 of the limitation act 1980 to try and claim back these earlier charges. Sadly I lost.

 

But - my sister banks with Abbey and I'm not familiar with their tactics. We have a hearing for 13th April and I would like to know if I'm going to end up back in a court room on her behalf!

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I was just going to say that I'd read loads of threads here and, whilst a lot of them state that they were preparing to go to court Abbey either offered a last minute settlement (very last minute in a lot of cases) or they didn't turn up!

But Hellhasnofury beat me to it!

:) knellyK:)

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I was just going to say that I'd read loads of threads here and, whilst a lot of them state that they were preparing to go to court Abbey either offered a last minute settlement (very last minute in a lot of cases) or they didn't turn up!

But Hellhasnofury beat me to it!

:) knellyK:)

 

 

Sorry knellyk,

 

In response to your court case, you lost, sorry to hear that, Can you not start the process agin and only claim within the limitations act, or was there another reason. Do you need to claim your charges under something else.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Taylormandy, I agree with other posters that, as far I can tell, Abbey have never let it get to Court for a simple charges + 8% Statutory Interest claim. The steps yes, actually in front of Judge, no.

 

However, I know you're concerned, so at the risk of being pedantic some people have had run-ins in a Court building with Abbey's legal representatives - but only in relation to "complicating" factors like charges>6yrs, defaulted accounts and contractual interest. GlennUK springs to mind as a recent example - if I remember rightly, they ambushed him into separating the charges element of his claim from the rest (which from memory included removing a default). In summary, if you want to play safe because of your previous experience, I'd suggest just going for charges+8%SI. Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Unfortunately, the appeal process seems v. complicated and I would be liable for their costs. So unfortunately I don't think I can take my own case much further. I have already got the later charges off them, I was trying to get these early charges back . Thanks for your interest.

 

 

I am just trying to sort my sister out now!

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Taylormandy, I agree with other posters that, as far I can tell, Abbey have never let it get to Court for a simple charges + 8% Statutory Interest claim. The steps yes, actually in front of Judge, no.

 

However, I know you're concerned, so at the risk of being pedantic some people have had run-ins in a Court building with Abbey's legal representatives - but only in relation to "complicating" factors like charges>6yrs, defaulted accounts and contractual interest. GlennUK springs to mind as a recent example - if I remember rightly, they ambushed him into separating the charges element of his claim from the rest (which from memory included removing a default). In summary, if you want to play safe because of your previous experience, I'd suggest just going for charges+8%SI. Regards, Mad Nick

 

Just saw this Mick - yes I'm aware of what happened to Glenn. That's what has got me worried!!

 

How do you suggest I negotiate 8% SI at this late stage? I wasn't sure whether to lay low and see what happens, or be more pro-active and contact them. Do they tend to resist the contractual interest element? (I'd happily negotiate given my latest experiences!!)

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taylormandy, tricky at this late stage. One thought would be to formally amend your claim (file an N244). Costs £35. But whether you're too late in the process to do that I have no idea, and even if it was possible it would delay proceedings significantly (though that might not bother you). Two people who come across as knowing more than most about the legal process are Michael Browne and Advoc8 - you could try PMing them. My second & third thoughts were the same as yours, submit the Court Bundle and see what happens or try to negotiate (although you'd start from a position of weakness). Sorry I couldn't be more helpful. Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Cheers - thanks for your help. I'll give it some thought over the weekend and work out what to do then!

 

The whole contractual interest malarky seems to have got so complicated lately, and having had one failed court appearance, I don't really fancy another.

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