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    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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citi cards CCA request does not apply me too


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Hi

Yes they are now in criminal default, but im not sure they would admit to this, I find it slightly confusing that you have a right to request a true copy of the agreement and CITI state they do not have to??????????

Gill

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i too have received the we dont have to supply the cca and 12 pages of twaddle updated in may 2007 of t&c's which have been nicely updated with charge fee's of 12 pounds.

 

What are they hiding? barclaycard not only sent me original agreement, signed, but also sent me original t&c's to boot! Methinks citi need some new solicitors who know what they are doing.

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Hi rince

what have you responded with?

Gill

 

I think I would respond with somthing along the lines of I requested a true copy of my original credit agreement under s77-s79 of CCA act 1974. As you have not supplied an agreement I must assume that no agreement exists and I have stopped all payments etc.

 

This is just my opinion all the best dpick:D

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Hi gill, yes my OH got exactly the same reply, do forum search Consumer Credit Agreements Resources/workshop, some excellent template letters there - we did our letter in May and only get statements showing charges and interest added but no more telephone calls (not until I've posted this anyway!), have just sent in report to Trading Standards as they didn't comply with SAR either, just shout if you need any more help:)

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I have received the same letter and I have responded with the following paragraphs inserted.

 

Furthermore, in the event that you are considering litigation, your attention is drawn to CPR 4.6 © enclose copies of documents asked for by the claimant, or explain why they are not enclosed;

I would therefore request, in compliance with CPR 4.6© a copy of the document that you will be relying on as proof that a properly executed agreement, complying in all respects with the form and content requirements of the CCA, was signed by myself in respect of this alleged debt.

 

Be also advised that your statutory time period has elapsed and YOU are now in default and very shortly you will have committed a criminal offence.

As you are now in default NO further action can be taken on this account until such a time as the original SIGNED EXECUTED documents are made available to me.

 

I expect, in accordance with CPR, your prompt response to this formal request without further delay.

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Hi Gill, i have drafted a response in line with the previous posts, but thanks to surprise i will be adding a little bit more now!!

 

i recommend checking out some of the threads in the debt collection section on this site as they cover cca's a bit more there.

 

still waiting from court as they said AQ is being dispensed with and i sent them info from citi stating i do not have an account with citicard!! so, my argument is citi's solicitor says i do not have an account, citi cannot provide cca therefore i have no debt with them and they have illegally obtained monies from me by deception.

 

i wonder how that will all go down....

 

which reminds me i need to update my citicard thread!

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If you look in the Consumer Credit Agreements Thread, General Forum, PeterBard has given a brilliant response to this standard letter that Citi are sending out. Its over 400 pages, its around the last couple of pages.

 

 

Page 410 Post 8194 :cool:

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Ok, here is a draft response to Citicard.... any thoughts?

Thank you for responding to my request regarding a copy of my credit agreement. I am disappointed you have not been able to fulfil my original request and have simply sent me a copy of Terms & Conditions that are dated 30 May 2007.

As you may be aware, the Act sets out that a valid agreement must exist in the prescribed form in order for that agreement to be executed. As it appears you are unable to provide a copy of the agreement in the prescribed form then it appears to me that there is no executable agreement in force.

I sincerely urge you to reconsider providing me with a copy of the original agreement as per the CCA 1974 to verify that an executable agreement does exist. Please note that simply sending the Terms & Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a “true copy” of the agreement. Sending Terms & Conditions does not fulfil this requirement.

If you are unable to provide a true copy of the original agreement, the required fee already having been received by you, then I will have no other option to assume you do not hold a valid credit agreement for my account and will be forced to pursue the necessary lines to ensure my position is not compromised as a consumer.

 

Furthermore, as litigation is currently in progress, your attention is drawn to CPR 4.6 © enclose copies of documents asked for by the claimant, or explain why they are not enclosed;

I would therefore request, in compliance with CPR 4.6© a copy of the document that you will be relying on as proof that a properly executed agreement, complying in all respects with the form and content requirements of the CCA, was signed by myself in respect of this alleged debt. If you are not able to supply such a copy then I contest the validity of any such debt and also request that monies taken from me for default charges be repaid immediately.

 

Be also advised that your statutory time period has elapsed and YOU are now in default and very shortly you will have committed a criminal offence.

 

As you are now in default NO further action can be taken on this account until such a time as the original SIGNED EXECUTED documents are made available to me.

As your own in-house solicitor, David Travis, has advised me that no account exists with CitiCard corresponding to my account number or address details then I will not be making any further payments until I receive the requested information. I also respectfully request that no interest is applied to my account until I have received the requested information and that if a valid agreement is supplied that interest is not applied retrospectively as this would be a punitive action as a result of your failings to provide substantiating information within statutory timeframes. Also no penalty or other such charges should be applied to the account in question whilst you attempt to supply me with the requested information.

 

I expect your prompt response to this formal request without further delay.

Not sure whether to add this from Peterbards letter though.....

As per section 127(3) of the act the minimum requirement for a court to consider enforcing a agreement of this type(Running account Credit) is that it should have the Debtor/ Hirer’s signature and all the prescribed terms contained in Statutory instruments 1983/1553 Schedule 6; As directed by section 60 of the Act

• Credit limit• Rate of interest • Repayments

If any of these items are missing then a court cannot enforce any agreement made and regulated by the Act prior to April 6th 2007.T

The absence of all other aspects of the agreement relating to form and content as defined in the Agreement Regulations (1983/1553) render the contract enforceable only by order of the court.

 

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Ok, here is a draft response to Citicard.... any thoughts?

 

Thank you for responding to my request regarding a copy of my credit agreement. I am disappointed you have not been able to fulfil my original request and have simply sent me a copy of Terms & Conditions that are dated 30 May 2007.

 

As you may be aware, the Act sets out that a valid agreement must exist in the prescribed form in order for that agreement to be executed. As it appears you are unable to provide a copy of the agreement in the prescribed form then it appears to me that there is no executable agreement in force.

 

I sincerely urge you to reconsider providing me with a copy of the original agreement as per the CCA 1974 to verify that an executable agreement does exist. Please note that simply sending the Terms & Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a “true copy” of the agreement. Sending Terms & Conditions does not fulfil this requirement.

 

If you are unable to provide a true copy of the original agreement, the required fee already having been received by you, then I will have no other option to assume you do not hold a valid credit agreement for my account and will be forced to pursue the necessary lines to ensure my position is not compromised as a consumer.

 

Furthermore, as litigation is currently in progress, your attention is drawn to CPR 4.6 © enclose copies of documents asked for by the claimant, or explain why they are not enclosed;

 

I would therefore request, in compliance with CPR 4.6© a copy of the document that you will be relying on as proof that a properly executed agreement, complying in all respects with the form and content requirements of the CCA, was signed by myself in respect of this alleged debt. If you are not able to supply such a copy then I contest the validity of any such debt and also request that monies taken from me for default charges be repaid immediately.

 

Be also advised that your statutory time period has elapsed and YOU are now in default and very shortly you will have committed a criminal offence.

 

As you are now in default NO further action can be taken on this account until such a time as the original SIGNED EXECUTED documents are made available to me.

 

As your own in-house solicitor, David Travis, has advised me that no account exists with CitiCard corresponding to my account number or address details then I will not be making any further payments until I receive the requested information. I also respectfully request that no interest is applied to my account until I have received the requested information and that if a valid agreement is supplied that interest is not applied retrospectively as this would be a punitive action as a result of your failings to provide substantiating information within statutory timeframes. Also no penalty or other such charges should be applied to the account in question whilst you attempt to supply me with the requested information.

 

I expect your prompt response to this formal request without further delay.

 

 

Not sure whether to add this from Peterbards letter though.....

 

As per section 127(3) of the act the minimum requirement for a court to consider enforcing a agreement of this type(Running account Credit) is that it should have the Debtor/ Hirer’s signature and all the prescribed terms contained in Statutory instruments 1983/1553 Schedule 6; As directed by section 60 of the Act

• Credit limit• Rate of interest • Repayments

If any of these items are missing then a court cannot enforce any agreement made and regulated by the Act prior to April 6th 2007.T

The absence of all other aspects of the agreement relating to form and content as defined in the Agreement Regulations (1983/1553) render the contract enforceable only by order of the court.

 

 

 

Hi when I had my MBNA agreement response checked I was advised unenforceable due to s127(3) with the three terms you quote missing plus "details of any power to vary the agreement" also quoted as a missing prescribed term. As you state any term missing not enforceable at all. Not saying you include this in letter but someone may be looking through thread and they may be missing this term on their agreement.

 

I have two catalogue's that have sent blank agreements (I never had an agreement to sign from them) so I will nick and amend your letter to suite if that OK.

 

all the best dpick:)

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Page 410 Post 8194 :cool:

Thankyou, but funnily that is in answer to my citi quiery which I had placed there to recieve more feedback

If you think that is great, I will study it, it looks good to me

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