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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
    • Thank you for that, I have obviously already been convicted so I think the appeal lodged is for the previous offence? Sorry if that doesn’t make sense. I suppose my only concern is that weds I go there and they don’t let a stat dec happen. If they do then as you say and solicitor says it’s highly likely I’ll be happy with the outcome. But I’m being told there’s no guarantee for the stat dec to be hard Weds as that’s not what the hearing is proposed for. Solicitor has stated that you can put a stat dec before a magistrates at any time so it shouldn’t be a problem.   
    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
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Guidelines - Requests For An Original Agreement Under The Consumer Credit Act 1974


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I took advise on an RBS application/credit agreement form which I was informed was unenforceable. However someone else posted an identical form on this site and was advised by trading standards it was definitely enforceable in court. My application form did have a credit limit on it, plus my signature and a squiggle from someone at RBS.

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....... I hope by being around all of you on this forum i would get the nerve to challenge these organisations on my own steam - but right now i just couldn't deal with it.

Hi RubyRose

 

I'm a fairly recent newcomer to CAG (3 months or so), but since joining the help and advice has been far better than that which I received from other sources. So far I have CCA'd 5 accounts (2x Link - MBNA, 2x 1stCredit - Citi, and Fredricksons - HSBC) and all of these have failed to supply an agreement. All 5 alleged debts are now in default (limbo) and I have not made any payments to them for the last 3 months.

 

I am not advocating avoidance of responsibilities to your debts, but why carry on paying them if the creditors have not fulfilled their legal obligations to you, and by continuing to do so you are causing further difficulties for yourself?

 

Just a suggestion, but why don't you try putting a toe into the water, so to speak, by CCA'ing just one of your creditors and see what results you get?

 

Perhaps you could start a thread and post a list of your creditors and ask for advice on which ones are most likely not to have legitimate agreements in force. If you do this it might be worth giving the approximate dates on which the accounts were opened as this may have some bearing on the likelihood of a particular creditor failing to possess an agreement.

 

If you do as suggested you may be pleasantly surprised and your confidence will be given a boost.

 

I personally felt better as soon as I had sent my first CCA requests off, just knowing that I was fighting back against the unscrupulous DCAs.

 

Good luck :)

Rob

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Thanks Rob i will think about it.

 

Ruby

If you decide to start a thread on this (probably this forum general-debt would be the one), maybe you could post a link so that we could follow and people could offer further advice :)

 

Rob

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It works - believe me - and you don't need to use a company to do it for you.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Rob and Goldlady i wish i looked at CAG more and used the advice given here. Except i am going through a lot of difficulty and just feel i could do without the additional stress. The one thing that puzzles me and baffles me is how does wiping out ones credit card debt impact on their credit rating. This really scares me and i feel a professional needs to deal with that aspect or advise ob it.

 

I am just so scared.:oops:

 

Ruby

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Ruby you will end up with default notices on your credit file - which stay there for six years. I already had them so it made no difference whatsoever when I stopped paying altogether. Interestingly I have just remortgaged and the lender paid no attention to the defaults as they were all for unsecured debts. OK I couldn't walk into a high street bank and get a mortgage but it does not have any real impact on your life - apart from meaning you aren't struggling to pay card debts anymore.

 

You are not doing anything wrong - they are in the wrong if they haven't done their paperwork properly (or in my case not even kept a copy).

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Goldlady my understanding is that once you have entered into a dispute with the credit card company then they are not to enter anything detrimental on your credit file until the situation is resolved. This is according to the banking code of practice which i found on the site and downloaded and read through. Everything i read and the more time i spend on the site is making me stronger and i might just start challenging one of my credit cards.

 

thanks once again for encouraging me.

Ruby:)

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Probably different in my case as I had already defaulted:D. I know there are several people who have gone through the courts to get defaults removed, and it seems logical that they can't default you when the account is in dispute. As I am not too worried about my defaults I have not pursued the matter (yet) as I seem to have lots of other things going on still. Getting them all off my back was a major relief.

 

And beware - CAG is addictive;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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This is VERY good news.

 

BBC News Player - Credit card debts wiped

 

 

have a look.

 

It is potentially very good news if we can get details of the judgement, however as yet I cannot find reference to this case on any of the court sites. I have emailed the couple to ask for a court reference number to get a copy of the judgement. So far, they haven't responded, perhaps not surprising as they have set up a site to charge people for doing this for them.

 

As it stands, we can't put in court papers that we saw a couple on the news, so we shouldn't pay, we will need the details for this to be any use.

 

I suspect they just do what we already do in challenging agreements etc, but if the Court of Appeal really has ruled on this, we need those details!!

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I suspect they just do what we already do in challenging agreements etc, but if the Court of Appeal really has ruled on this, we need those details!!

 

This could be quite valueable, lets hope some of the moderators are on the look out for this

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Are you sure that they are not just using the Wilson case?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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somebody should ring Andrew Pritchard from CAB Rugeley and ask for the details of the appeal case

 

Rugeley Citizens Advice Bureau

7 Brook Square

Tel: 01889 577042

Fax: 01889 586126

 

I can't as I live in the USA

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Rob and Goldlady i wish i looked at CAG more and used the advice given here. I wish I had found CAG earlier than I did as I missed the chance to defend a court action because of not knowing what to do. Except i am going through a lot of difficulty and just feel i could do without the additional stress. In my case, acting upon the advice given here has relieved a lot of the stress and made me more proactive. The one thing that puzzles me and baffles me is how does wiping out ones credit card debt impact on their credit rating. This really scares me That used to worry me, but not any longer and i feel a professional needs to deal with that aspect or advise ob it. I sought professional advice, and in my opinion it was useless. Unless you are very lucky and manage to speak to someone who is clued up on consumer law, you are IMHO better off taking the advice given by some of the more knowledgeable people here (I do not put myself in that category, but I think I'm learning).

 

I am just so scared.:oops: I guess it can be a bit scary (to start with), but in my experience so far that feeling soon goes! :D

 

Ruby

 

Goldlady my understanding is that once you have entered into a dispute with the credit card company then they are not to enter anything detrimental on your credit file until the situation is resolved. This is according to the banking code of practice which i found on the site and downloaded and read through. Some of the companies appear to be a law unto themselves regarding procedures, but with help from CAG you will be able to fight back. Everything i read and the more time i spend on the site is making me stronger and i might just start challenging one of my credit cards. Keep reading.... and go for it! ;)

 

thanks once again for encouraging me.

Ruby:)

 

Wishing you well in your decision to start taking control Ruby!

 

Rob

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Just as a follow up to the (edit) site that challenged the 6 Credit Card companies wiping out their debts and getting a court ruling in the process.

 

See the link from Midlands Today

 

http://news.bbc.co.uk/player/nol/newsid_7190000/newsid_7195100/7195126.stm?bw=bb&mp=wm&news=1&bbcws=1

 

Here are further details for people who dont have the belief that they can carry the process against the Lenders through to court.

 

 

 

 

 

The Consumer Credit Act

 

This is a very basic explanation as to why upto 75% of all credit card agreements are legally unrecoverable.

 

 

Below is an example of the print format a correct agreement should look like.

 

 

x y z

 

 

 

 

 

Below is how all the unenforceable agreements look, the difference is the xyz are in capitals not lower case and this would be a breach of the law.

X Y Z

 

 

 

The Court Case

 

We made a court claim against a lender stating that 50% of all of their agreements were improperly executed because they do not state xyz, but instead they state ABC. The lender claimed that as 50% of their agreements stated different letters the regulations do not apply, the court agreed with them.

 

A B C

 

Based on the Court of Appeal ruling which confirms what the regulations state, then any agreement that does not state xyz in lower case is improperly executed which is about 75% of all credit card agreements and it could be one or all of yours.

 

 

 

 

 

 

 

 

 

 

Does your Credit Card Agreement have the X-Factor?

We took our lender to court because we said the agreement was unenforceable because of a, b and c. The lender won the case because they proved that the agreement was enforceable because it did not contain X, the X-Factor we will call it. Based on our knowledge of other agreements we know that the majority of them, up to 75% do contain the X-Factor and are therefore unenforceable. It is not us that have made the other agreements unenforceable, it is the lender, a Court Recorder QC, a Rt. Hon Sir and a Lord Justice of the Court of Appeal who agreed with them. We are only using the lenders legal points that were used against us, if we are wrong then the lender and 3 judges are also wrong, so take it up with them. All we are doing is making use of what we have been told is the law.

Test Case already Won

Our case was the first of its kind and is now the leading case and sets a precedent as to how any lower court should treat enforcement of a credit card agreement that is improperly executed.

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Well that's a new one on me. A secret judgement. :confused::confused:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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This credit card killer is very interesting (and tempting, I will wait a bit longer before signing up lol)

 

Can it not be too long before this gets in the media big time, it would be explosive, it would be the next best thing after the unfair bank charges. It would certainly deter the DCA's from purchasing these unenforceable debts and give us a break.

 

Honey

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