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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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Georgie Porgy v Abbey


Georgie Porgy
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Thanks

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Hi, "Standard Disclosure" is a 'process' for Fast Track and above. Your claim is likely to be allocated to small claims. Here's what I used in the AQ - amalgam of various ones round the site

The Claimant respectfully submits that the law relating to contractual penalties is long established so the success or otherwise of the claim depends on the Defendant’s justification that each charge was proportionate to its loss and was a genuine pre-estimate. The Claimant therefore believes that the unresolved issues involved in the claim are principally of fact not law and so respectfully requests that the claim be allocated to the small claims track, and estimates that the hearing of the claim should last no longer than one hour.

 

The Claimant believes that this claim can proceed most expeditiously if the Defendant was directed to provide the information which is central to the claim and which the Defendant has withheld from the Claimant to date; namely evidence that its charges were (in the Defendant’s view) proportionate to its loss and a genuine pre-estimate.

 

You can attach draft Directions http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires.html

aimed at speeding up the Bank caving in, but they will anyway so this is entirely optional.

 

Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Hi

I have just started the process of reclaiming default charges £3.5K+ from the Abbey. I received a letter from the branch manager stating that a member of his team is looking into the matter. He states that if I do not hear before, he will write to me in four weeks to let me know what progress is being made. Should I write to the manager and say that his timescales are unacceptable and that I require a response/resolution in 7 days or should I allow the Abbey to set the pace?

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Should I write to the manager and say that his timescales are unacceptable and that I require a response/resolution in 7 days

 

There is no point

 

or should I allow the Abbey to set the pace?

 

Definately not, keep to you time scales and proceed with the next letter once the 14 days are up.

 

Good luck with your claim

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Hi PSM

 

Thanks for your post here.

 

Good luck with your claim. Make sure that you stick to your timescales and keep them letters going. As you probably have guessed by now you will probably not get anywhere. Maybe a GOGW.

 

Look forward to the court hearing - or not???

 

 

Georgie Porgy

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  • 3 weeks later...

Hi All,

 

Been a bit quite at the moment.

 

I contacted the court today and they advised me that they had received both Allocation Questionaires. They were sent to the Judge for Direction on 20 April 2007. They reckon i should hear between the end of this week and the start of next week.

 

Any news from anyone else yet??

 

Georgie Porgy

:)

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  • 2 weeks later...

Hi All

 

I now received letter from the Court for my Court Bundle to be submitted to the Court and Abbey by 29 May 2007.

 

I have found a 40 pages document on here under Court Bundle. Do i send all this together with my statements????

 

Any comments or help would be appreciated.

 

Thanks

 

Georgie Porgy

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Hi,

 

I'm just in the process of doing my bundle. Print off the 40 page basic court bundle & if you have a look at the front sheet headed 'Documents' it gives you some idea what you need to include. (There are also a couple of links for you to print off some additional sheets). Then you need to add anything else that is relevant to your claim -ie- Correspondence, Latest Schedule of Charges, Statements, Witness Statement & then number all the pages accordingly. Don't forget you need 3 copies of everything...1 for you 1 for the Court & 1 for Abbey.:eek:

 

Hope this helps.

 

Villafan

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Hi Villafan

 

Thank you for this.

 

Looks quite daunting.

 

I am just printing off the 40 pages and will then see what else i require.

 

Latest Statement of Charges.

 

Does this mean that you reprint the charges with the interest??? Or is this just what you have already requested??

 

Georgie Porgy

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Hiya,

 

Looks quite daunting.

 

I am just printing off the 40 pages and will then see what else i require.

 

Latest Statement of Charges.

 

Does this mean that you reprint the charges with the interest??? Or is this just what you have already requested??

 

 

 

It's quite time consuming! I'm just copying all my correspondence now. I need to number all the pages & then I think I'm almost done!

 

I've printed off an upto date schedule with the interest showing as at today's date (not sure if that's right BUT this is the figure I'm looking for to settle...nothing less!!!;) ).

 

There's quite a few of us who are at this stage so hopefully someone else will be a long later with some advice. Back to my copying!!

 

Villafan

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Hi Mariejader

 

How are you doing with your claim???

 

I am still getting my court bundle ready. need to be back to court by 28 May 2007.

 

I have just been trying to get some details ready for cases that have been won.

 

Be really glad when it is all over.

 

Georgie Porgy

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Hi all - GOOD NEWS

 

I have just had a call from Abbey - they have settled out of court.

 

I have not yet sent my Court Bundle in. It was due to be in by 29 May 2007.

 

I'VE WON AND AM VERY HAPPY.

 

**********MONEY WILL BE IN MY ACCOUNT BY MIDDLE NEXT WEEK. THEY ARE PAYING CHEQUE INTO MY ACCOUNT.*******

 

 

Can someone, please update my thread for me to show i have Won.

 

 

I will make donation once money cleared next week.

 

Thank you to everyone for all your help.

 

Wish everyone luck on their threads.

 

Georgie Porgy :D;) ;)

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Brilliant news, looks like the Lloyds case isn't having any real affect

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Hi all

 

I am pleased to confirm that Abbey have now paid me out.

 

No going to court. What a relief.

 

*******

Can someone please update my thread to Georgie Porgy Wins against Abbey.

Thank you all for your help

Georgie Porgy

x:D :D

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