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    • My Debt has also transferred to J&P,  I was getting letters to my previous address which stopped - i still have access to but its not where i live, there a letter on the way to Dubai confirming my current address as advised above. 4 weeks ago out of the blue i get a text regarding credit card debt and to call a number, ignored the message, the next day i get a letter from J&P to my current address. A couple of weeks in a row i get the same text and again a letter. They have managed to get my current phone number and address. I have just received a phone call from 07441 362857, I answered and they asked if my name was xxxxxx which i confirmed, they only asked my first name. after i confirmed they just put the phone down. Does this sound like a tactic to try and get me to ring them back, or could it be some other, totally unrelated scam? just seems weird they knew my name.  
    • ACPOA PCN 190424.pdf   1 Date of the infringement 30/3/24 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 19/4/24 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 23/4/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No 5 Is there any photographic evidence of the event? No 6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up Give answer here 7 Who is the parking company? APCOA 8. Where exactly [carpark name and town] Ludlow Tesco 2856 For either option, does it say which appeals body they operate under. No  
    • So not entirely down to the ticket office, then. In fact you have been quite fortunate. The "Section 172" response provides the evidence the police need to prove that you were driving if they wish to prosecute you in court. In England and Wales there is a legal precedent which has determined that an unsigned s172 response does not meet the requirements of that part of the RTA. In effect, an unsigned response is equivalent to no response at all. (This precedent is not recognised in Scotland and there is a strategy to "go unsigned" to avoid conviction). When they receive an unsigned response the police are perfectly entitled to prosecute you for "Failing to provide drivers details" and they more often than not do. This offence carries six points, a hefty fine and insurance grief for up to five years. So you got lucky. The situation now is that the deadline for accepting a course is passed. Four months is the absolute maximum, with some forces cutting it back to as little as three months from the date of the offence. The police will not extend this because if you fail to complete the course before six months has elapsed, they can no longer prosecute you. They can only begin proceedings up to the corresponding date in June (i.e. if the offence was December 10th, they have until June 10th to begin proceedings). You will gain nothing by taking this to court. On the contrary you have a lot to lose. Courses are offered entirely at the discretion of the police, you have no right to one and the court has no powers to order one. Presumably you have been offered a fixed penalty of £100 and 3 points. If you are sentenced in court it will cost you at least three times that, possibly more (depending on your speed and your income). My advice: accept the fixed penalty and do it soon as there is a deadline for that as well and if you allow it to pass your matter will be taken to court anyway. Do not forget to submit your driving licence details as instructed when accepting the offer. If you fail to do so the police will have no time left to remind you (and they don't usually send reminders for this anyway) and, again, your case will end up in court.
    • put them all in one mass pdf please  read upload use the websites listed. dx
    • Hi all, I have an update: I have received the documents from the SAR, including photos. It appears that I was parked in a bay with a sign that requires a permit, however the pole that it is on does appear to be behind the barrier - see photo. Also, they documented that they DID NOT apply the PCN to my car because of safety concerns and I DID NOT receive the initial £60 PCN by post- see attached.CamScanner 05-10-2024 15.06.pdf appreciate nay feedback/ advice, current PCN fee stands at £100. CamScanner 05-10-2024 15.03.pdf CamScanner 05-10-2024 15.08.pdf CamScanner 05-10-2024 15.06.pdf
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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.
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Please could someone give me some quick advice, i need to ring Connaught Collections regarding a friends debt of £3822, She is not well enough to do this herself and has given my name as authority to speak for her. it says it is a statutory demand under section 268(1)(a) of the insolvency acto 1986 debt for liquidated sum payable immediately.

 

I have rung them earlier this morning and they say they want the full settlement within 21 days or come to some agreement. They have asked that she pays a minimum of £200 per month which she cant afford are they legally entitled to ask for that or can i offer say £70 per month. Is there any advice anyone can give me quickly as i need to ring them soon.

 

thanks

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First NEVER talk to these "people" on the phone as they will try and get you to agree to anythin.

 

Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Excuted Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has commited a summary criminal offence and the matter should be refered to Trading Standards for action.

 

I hope this clarifies some things.

 

This Stat demand should of been stamped by the court, if not it's a typical Connaught scare tactic and unlawful under the OFT's Debt Collection guidelines.

 

Get the CCA request off TODAY !!!

Be VERY careful whose advice you listen too

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Thanks for your quick reply really appreciate it

 

I cant find any court stamp on it, it is dated 10th July although she only received it on the 19th July and has only passed it to me this weekend. If i send off by special delivery today they will receive it tomorrow. it does say she only has 21 days to respond

 

it also says

 

inform the individual named in part b above immediately that your are willing and able to offer security for the debt to the creditors satisfaction or

inform the individual in part b immediately that you are willing and able to compound for the debt to the creditiors satisfaction

 

What does all that mean?? i dont understand it at all if i am honest

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Gee that's nice giving you 21 days AFTER their date.

So that's tomorrow then.

 

Basically it means that they are tell untruths as ever.

"Fake" stat demands seem to be these "peoples" favourite ploy.

Let's scare the hell out of the mark to get money from them.

 

Sneaky !!!

 

Get the CCA done and dusted and wait to see what their respnse is.

We're here to help you through this.

Be VERY careful whose advice you listen too

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Well they have certainly succeeded in scaring the wits out of my friend and it does look scary. I have just copied the letter from your link up I will send it by special delivery today. I hope you are around to help me when the reply comes. Thanks again for being so helpful.

 

ps. if you get a min could you just check i am sending the correct letter I have copied letter N from the templates.

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it also says

 

inform the individual named in part b above immediately that your are willing and able to offer security for the debt to the creditors satisfaction or

inform the individual in part b immediately that you are willing and able to compound for the debt to the creditiors satisfaction

 

What does all that mean?? i dont understand it at all if i am honest

 

Don't agree to this!! The cheeky so and so's are trying to get you to take resposnisbility for the debt if you're friend can't pay!! You would basically be giving them a license to harrass you.

 

Just to re-iterate CB's words - don't discuss anything on the 'phone - NEVER EVER!!!

 

Get that CCA off quick smart. It may be worth writing on the letter they've sent you, the date it was actually received. Later down the line you may decide to make a complaint about them and all extra info helps.

 

Good luck and keep posting your progress. Lots of people will be here to support/advise if you need it.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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It is typed and in its envelope. I will post it shortly. I am feeling a lot more positive now thanks to you. I am so glad I posted on here first as i was going to just offer them £70 a month which would still be a struggle for her

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I have just been told my friend has received another letter today dated 25th July saying

 

i write to inform you that we are now in a position to present a bankruptcy petition against you following the recent delivery of our statutory demand.

 

as you ahve chosen to either ignore the statutory demand or demonstrate an ability to pay the sum claimed, you leave us with little alternative than to present a petition.

 

once a petition is issued i should point out that the amount payable would increase with expenses fees and costs including those of the Trustee following bankruptcy.

a trustee will be invited to liquidise your assets/estate eg property with a view to settling this matter. a copy of this letter is retained on our file for later production to the court to demonstrate that every effort has been made on our part to avoid this intended action

 

 

Help needed please

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Bump..... can someone advise on this please anything to alleviate her stress at this point would be really helpful or is it too late, the original letter was dated 10th July though and said it gave 21days!!!!

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the CCA request puts the alleged debt in dispute, meaning it cannot be chased until the dispute has been settled

 

did you send the CCA request or not?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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yes if you see previous post this morning i sent it today by special delivery guarantee delivery by 1pm tomorrow. I dont understand how they say they will give her 21 days and then send a letter a week early.

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This is a well knownn tactic of these "people".

now I'll bet a pint of whatever you want that in a couple of days you'll receive a letter saying they are closing this account and passing it back to the original DCA.

Be VERY careful whose advice you listen too

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If the debt is that old and no payments have been made on it for a while then it is statue barred and they shouldn't be chasing it. Go to the CAB on your friend's behalf and send a copy of their letters to Trading Standards, pointing out that the second threatening letter was received BEFORE their 21 day deadline - illegal IMHO

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Sitcom, for piece of mind, give the "issuing" court a call to check.

When it does turn out to be fake then a call to Trading Standards would be in order.

Be VERY careful whose advice you listen too

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Curlyben I have just seen the letter you have asked the yellow about and that is the same one my friend has received. I must have misread it at first as i thought it was 21 days and when i have looked at it on the site it is 18 days to set aside and 21 day to stop petition. Should we now be worried I feel quite sick to be honest. The letter is dated 10th July but she never received it until Thursday 19th July. Should I ring them tomorrow do you think or not???:confused:

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Good so you know what's happening.

I'm trying to get more info from Alanfromderby on these things, but as I've been saying they are basically a steaming pile.

Be VERY careful whose advice you listen too

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thanks would appreciate it if you could update me if you find any more info. Does the 18day 21day thing make a huge difference. I have worked out that 18 days would have been saturday 28th July if the letter is dated 10th July and the letter they have sent now is dated 25th July

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