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    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Suze v Halifax


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Hi Sally

 

thanks for this, I'm gonna give it a try as it gives me more time. I have just tried to print off my spreadsheet but am having difficulty in printing off the extra columns showing the interest charged on the charges. Have you got any ideas on what may help, am very new to this spreadsheet milarky!

 

Suze ;)

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Right, have just penned by letter advising them they have 7 days to refund £1,202 in charges as originally asked for otherwise I will be filing a court claim and will be claiming the charges plus interest on the charges plus costs and wouldn't it be better not to waste the court time. Hope this works, only want the charges refunded don't want to go to court but will do next tuesday....

 

Suze ;)

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Right, I'm back - have had too long away and am getting jittery. Please guys give me some encouragement and put me back on the yellow brick road. I wrote to the dear Halifax with a 2nd LBA asking them to pay up within 7 days or else I will file a court claim and ask for the overdraft interest on the charges. Guess what I haven't heard from them by phone or letter. My N1 is ready and my POC all x3. However I cannot get my s/s to print out. They miss off the overdraft interest as it wont fit on the page or else the PC wants to print about 600 pages. Should I start again with the s/s?

 

Also when I file my claim, what happens then? Is it 28 days from acknowledgment that the Halifax get to delay a bit longer? I am jittery as wages weren't what they could've been and £120 is the difference between treading water or NOT this month. I don't want to delay too much longer and let dear Halifax get away with it even more. What is a court bundle that I keep reading about?

 

Suze :?

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Just seen Lisa's post - that sort of answers my question and so shouldn't really delay any more, just cannot get the s/s right. Nitemare - anyone help with printing s/s would be very gratefully received;)

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have you tried printing off your schedule landscape. Go to page set up instead of the print button and click that you want the page to be printed landscape instead of portrait. It should then fit on one page.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Also you need to delete the columns you are not using. So you should be using ABCD Delete the rest.

 

Also the numbered lines under your details need deleting.

 

If you still have problems you can bring in the page slightly

Put your mouse arrow on an adjoining line until you see a double arrow, this will pull the page in to how much you want.

 

This should help.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

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Hi

I've checked my money claim against Halifax today and it says 'claim suspended' but I can't find what I may have done wrong, does anyone have any ideas. i filed a claim against Barclaycard at the same time and that one is OK... I've received acknowledgement dated 22 May and the suspension is dated 14 May which makes me more confused?? can anyone help please?

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Hey everyone!

 

Hope you're all feeling positive - what going on in Hull? As I've heard nothing from Halifax in response to my 2nd LBA, I expect the next letter will be the standard decline claim, manage your money better type of thing to land in my post box. I am now going to attempt my s/s again, waiting for payday to come round again and first thing that's being paid is my court claim!

 

Keep positive - I'm trying hard but having internet and PC problems to add to the struggle!

 

Suze;)

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  • 3 weeks later...

Hi all, good to see people winning after filing their court claims. Unfortunately I am still not at that point due to problems with the spreadsheets:?

 

Anyway, I have allowed Halifax to investigate my "complaint" to their timescale and they have failed. I should have received their response by 22 June however I rang on Monday 25 June and spoke to "Phil". He said a letter was sent dated 21 June (Coincidence!!). There was no letter on 25 June with my post. He offered to send it again? Yes please and what does the letter say? I asked. "I can't say" was his reply??!!?? Anyway lo and behold, today (27 June) a letter arrived dated 21 June but franked 26 June first class postage. Guess what??? They are not upholding my "complaint". I rang them - spoke to "Robert", there was no record of my phone call on Monday 25 June, he asked if I was rejecting the letter? Of course I told him. "You want a full refund?" He asked. Of course I told him. Anyway, Halifax are 6 days behind, (diddums) my case is being passed to a manager marked urgent??? :o I will phone again next Monday. I told him I will go to court and that I have waited to give them time so as not to waste court time. Anyone got any ideas? Suze;)

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Thanks for the link Tilly, found it myself when I calmed down. Do you think its worth ringing them now I've got a direct number? To tell them I accept as part settlement but that I will recover the remainder with a court claim? They've told me it'll be in my account within 14 days.

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They upped it to £1,000, so I said I'd accept £1,100. She said she's have to do a letter so I'll wait for their letter to see what it says when it gets here. :D

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