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    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt received any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her mail until last week. She received a letter dated 09/04/2024 stating she had failed to insure the vehicle and there was a £100 fine which could be reduced to £50 if she responds by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
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      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Legal and Trade.. advice please


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:-? :-? I have just recieved a letter from Legal and Trade about a debt i have with Bank Of Scotland credit card (£1800) asking for imediate payment. Now this has been passed on to them from Blair, Oliver and Scott. I was paying £150 a month but stopped as i could no longer afford to pay this. I phone legal and Trade who informed me that if i could pay today then i would only have to pay £1200 (how kind!!). I replied saying that there was no way i could afford that. I did ask about repayment plan and they did say that i could do it that way. Fill in a expenditure form etc. What i really am asking is if anyone has had dealings with this DCA as they do seem not so bad compared to a few i have dealt with.

Any advice, help would be so appreciated.

 

Thanks

 

Louise

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As DCA's go they are not to bad.

I have had dealings with them. Stick to your guns and offer what you can afford. Don't run yourself short just what you can afford. If possible pay by Standing Order. If the person you talk to won't accept your offer write to Nataly Hollinworth. Complaints Manager or e-mail [email protected] Tell them you want to make payments but the person you have spoken to will not accept them.

Good luck :)

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Many thanks. They do seem more reasonable than most i have dealt with. I think i can probably afford £50 a month. I think that does seem a reasonable offer.

 

Many thanks again.

 

Louise

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Guest Mincemeat

Have you sent them a s78 CCA request letter? (asking for a copy of your agreement) There are a couple of points I would like to bring up. You state you've already been dealing with Blair Oliver Scott (BOS - internal HBoS debt collection), in my experience Legal and Trade usually work for, not purchase, debt. It would be prudent for you to see if they have the necessary paperwork to progress against you in court. Have a look at the s77/8 Consumer Credit Act 1974 letter in the template library and send it off. This costs £1 and usually makes Legal and Trade run away. If they are initally stating they will accept £1200 would make me think they don't have the paperwork.

 

Also, look through your statements for penalty charges. You may well be able to reduce the balance further by claiming these back. If you don't have all of your statements, send off the Subject Access Request letter from the templates library with a cheque / PO for £10.00.

 

There is alot of gumph written on this site with regards a s77/8 request under the CCA. Just take it as read it will give you some breathing room until they are able to furnish you with the SAR results.

 

The reason you would send those two letters (signed for first class, at £1.04 postage each) is that it will make it clear if you have an obligation to pay it back at all. This is a roll of the dice and you may roll a 6 and be able to walk away from the whole £1800.

 

Lets see what other people think?

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If requested, the DCA is legally obliged to send you a statement of account (which will list all charges). This is free.

 

I would agree with mincemeat about sending them a CCA request.

 

Did you receive a Fair Processing Notice from them and a Notice of Assignment?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Hi

Thans for the info Mincemeat

. No i never recieved any of what you mention above rory32. All i recieved was the standard you owe money, please pay as soon as you can or contact the office.If not then we'll carry on and take action. What exactly are Fair Processing Notice and Notice of Assignment. Sorry i am new to this.

 

Thanks for your advice

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Fair Processing is the first principle of the data protection act. By not providing you with a fair processing notice they are in breach of the act.

 

A notice of assignment needs to be sent to you to identify that the DCA has the right to act for the OC and have entered into a contract with the OC. Otherwise they could just pick up your details out of the bin and write to you saying you owe us x amount of money.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Guest Mincemeat

I have had L&T send back my cheque too, for an AA car insurance premium (of all things). This is a possibility, but depends on the type of assignment they hold.

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