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    • 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.
    • Looks similar to you original email to their Complaints team. I dont rate copypasta for a CEO complaint. Rewrite it with emotion involved as to how badly this is affecting you and make them feel embarrassed for their actions... 
    • Well, not quite the trouncing they deserve, and Andy Street suffering - despite distancing himself from the poops and being a good mayor (and despite the rather ridiculous muslim voter labour boycott across regions - did they really want the tories to stay in power?) - But not bad at all The Reformatory goons managed two council seats didn't it - out of over 300 they tried for ..     
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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Me vs Them


French William
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Hey Stadium,

 

My defence was due before the 31st, and it arrived yesterday, so I guess you'll probably hear from the sols today or tomorrow. Although fingers crossed you don't, and you can enter a default judgement in your favour!

 

I'm not going to bother with the AQ just yet, I'm going to speak to the colicitor on Monday and see if he could see his way to negotiating a settlement (although I'll only accept a full and unconditional settlement). See if I can hurry things along a little, as it would be nice to get the money and enjoy it during this beautiful weather at the minute :cool:

 

FW

 

PS- do you think Danni California's a little over-rated? It's a bit too samey for my liking. Haven't heard the album yet though :)

 

It's a little early for my postie today, so no news as of yet. From what I've read Lloyds could enter their defence on Monday morning, couldn't they, even though they only have til tomorrow 4pm?

 

And I could talk about RHCP all day!:wink: But don't want to hijack your thread, I'll venture into the non bank area and start a new thread.....

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  • 2 weeks later...
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Handed my allocation questionnaire in today.

 

I had wanted to call the sols (Sechiari etc) and try to negotiate an early, but full, settlement. Without wanting to be crude, that Mr Thomas really boils my p*ss!! :mad: Whenever I've called I've been told that he isn't in, and I just can't believe that a firm of any size or repute would only have one person who could deal with a call or enquiry. I have now left four messaages asking for a return call, all in vain. It's just frustrating. :(

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Well, having said that yesterday, I managed to get through to Mr Thomas this morning!:p

 

He sounded particulay meek, and took about 5mins to find my case file. When he found it he asked me to confirm my address, and then proceeded to tell me that he has been instructed to settle!!!!!:D

 

He should get a settlement letter out to me, with conditions attached, by the weekend. I couldn't be bothered to explain on the phone that I won't be accepting any conditions, I'm just glad I've got the settlement ball rolling.

 

Will keep you all posted.

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Well done French William, I look forward to reading the final throes of your settlement!

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...
  • 3 weeks later...

Hi All,

 

sorry for the lack of timely updates, I've been out of the country for a couple of weeks!

 

Anyway, I've received a letter from the delightful SCM offering me full and final settlement, HOWEVER...

 

Since starting the claim new charges have been added to my account, totalling about £250. Obviously I'd very much like to have these tacked on to my settlement, but not sure if there's anyway I can go about doing so. I just called the sols to check, and their 'advice' was that I can try to negotiate a refund directly with the bank, or apply to the court to increase my amount claimed.

 

Has anyone had experience in this regard? What would you lot advise?

 

Any help would be greatly appreciated.

 

Thanks,

 

FW.

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Hello mate

 

Other people have done this both ways you mention. Some have had the additional charges tagged on top of the original sum whilst some have received settlement and approached branch for refund. Afterall, by settling they are admitting that what they were doing was incorrect, otherwise they would have gone to court.

 

If both fail, then you can always start the process again.

 

I have a court date and am awaiting the jolly day but in the meantime, I too have had charges levied against me so will be in the same boat as you.

 

Hope this helps, good luck

Steve

Slightly disgruntled but getting happier as LTSB squirm!!

steve1145 v lloyds-tsb

Data Protection Act done

LBA done

Claim issued 5/6/06 - 6QZ35417

Reply due by 24th June

Responded so further 14 days now 8th July

Defence filed 6th July ......bah humbug!!!!!!!

AQ and defence received on 7th July

AQ filed 21/7/06 12.30pm

Court date set for 16/10/06 - D DAY

***** Settlement Paid 12/10/06 Nearly the whole amount *****:D

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Hi Steve,

 

Thanks for confirming that. Don't suppose there's any chance you could point me in the direction of a thread in which someone's had a similar problem???

 

I've tried calling the court, and after waiting on hold for 25mins they answered and directed me to a free legal helpline (0845 345 4 345 if anyone's interested), which in turn directed me back to the court!

 

I've neither the time nor the inclination to spend another 25mins of my firday afternoon on the phone to a recorded message telling me how important I am, so if anyone could advise I'd be very much indebted.

 

Thanks again,

 

FW.

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Hi FW,

 

Best bet in my opinion would be to contact SCM direct - give them a call - and get them to add the charges to your settlement offer. Lloyds added a £30 charge to my own without me even needing to ask - although they waited until the claim was settled to sting me for other charges which would otherwise have been applied at the same time!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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That was my first port of call Reload, but the (un)helpful guy who answered the phone told me that they're only instructed to settle for the amount claimed and if I want to change it I'd ave to apply to the curt to do so. He wouldn't entertain any idea of them upping the amount :(

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Personally I'd settle for the amount of your claim, then start again for the next lot of charges.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Same here

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

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