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    • Hello I hope someone can give me some advice here, as I am at a bit of a loss on how to proceed. This relates to alleged offences under the RTA. Yesterday I received a notification from the local police of intention to prosecute for the following offences: 1 driving without due care and attention 2 failing to stop at a road traffic accident 3 failing to report a road traffic accident At this stage they have only asked me to say whether I was the driver at the time or not and provided a blank sheet of paper to give information about the incident. Going by the location (just round the corner from where I live) I can only imagine this relating to one recent incident, which wasn't actually an accident but more of a road rage event. I was driving past someone unloading or working next to his lorry which had stopped in the road. I wasn't going fast or anything, while I went by lorry man turned around and punched and kicked my car whilst going past him. I stopped and got out and wanted to know what he thought he was doing punching and kicking my car. He then hurled some verbal abuse at me, swearing and he was quite aggressive. I still didn't know what his problem was and said I would report him to his company for threatening behaviour and vandalism for punching my car. I got my phone and tried to take a photo of his lorry and number plate but at that moment he came right at me, still shouting and swearing, so I was worried he may hit me next, as he already punched my car. I thought if the guy hits me I will come off second best, so I decided to retreat. I quickly got back into my car and left. When I checked my phone later the photo I tried to take was blurred and useless, so I thought it was pointless to report the incident to the police, as the guy would not be traceable. Over that I forgot about it until I got the letter yesterday in the post. This is the only thing I believe this can relate to, but I have no idea based on what the three above allegations come from There was no road traffic accident, more of a road rage incident. So I am at a loss what to do. I have 28 days to respond. Should I just say yes I was the driver and was there and see what happens next, or should I already make a written statement on the attached piece of paper they sent me and send that with it ? Is there anyone here who would have a rough idea what to do next ? I tried my legal advice line through my Union, but they have sent me from pillar to post, now say it needs to go to a different department again and that would be chargeable as the RTA comes under Criminal Law. So any advice would be appreciated Many Thanks
    • So a quick update got bounced around two different departments and managed to speak to a DVLA bod , explained the situation and they could see the overlap and that DD payments had been made from Feb , also no formal remiders prior , they gave me a number for the legal dept who I am calling this morning to see what they can do in terms of the SJP notice , still have time to submit this online.  Will update after my chat this morning 
    • Also, I am trying to understand how invoicing a large sum in a 6m period becomes tax fraud?   Is it because if he had invoiced over the £85k threshold he should have been obligated to charge vat?  Which would have meant hmrc would have benefited from the vat amount? So by not charging it Hmrc have lost out on £s revenue?  Is that what makes it tax fraud? So as a self-employed contractor, let's say he invoiced one Co for 200k.  Should he have charged vat on the full 200k (£40k)? Or just on the sum above the threshold (£23k)?  And that by not charging vat, he has knowingly withheld tax £s from Hmrc? And is the payer complicit ?
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Apologies for the hijack-but have you got an email address for this Gareth boy please?

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Is it not Gavin ???????????

 

:?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It was Gavin but now it is Gareth so feel free to use any of these

 

gavin.theobald@mbna.com

Gareth.tunnicliffe@mbna.com

stuart.johnson@mbna.com

 

Any more info then just ask,

 

No call back from Gareth today yet.

 

What info are you after JMio and I'll point you in the right direction

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Absolute timewasters, they surely must realise that you aren't going to stop until you get the lot back. They seem to be shooting themselves in the foot in cases like this where it is obvious the claimant isn't going to drop it!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Ah well, only two and a half hours to go until I issue proceedings for the DPA breach. I have been up half the night planning what will go in the summons, I will post it back in here later when I work out how to do it.

 

Any views on what I should be claiming for, So far I have phonce call costs, letters, envelopes, postage. I will also claim for the immense distress this has caused, anything else ?

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As a lot of your communication has been comp orientated I would also claim for that.

 

Do they not know you have no pc at home and have had to get 2 buses to the internet cafe......where their charges are extortionate ?

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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So they got 75 minutes to see sense...............and counting

 

 

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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ok guys, how does this look ?

 

particulars of claim;

 

I am claiming for damages and distress caused by the defendants non-compliance with their obligations under the data protection act 1988.

On 5th April 2006, I made a request under the data protection act for all details relating to my credit card account with the defendant. Statements of account were received within the 40 day period, although seven statements were not included and cannot be retrieved. The defendants own records indicate that the storage disc is faulty/missing, which is a breach of the seventh and eighth principle of the data protection act 1988.

Whilst the defendant has provided copies of their file notes outside of the 40 day period, these are not in intelligible form and as such breaches the data protection act 1988 part II 7.© (i).

Additionally, since my account was opened with the defendant, they have applied unlawful charges of £558.00. These charges have now been refunded by way of good will, however the defendant has breached the first principle of the data protection act 1988 by using my personal information in a way that is unlawful. Although they have refunded the charges, I have been charged a considerable amount in interest on the account due to the unlawful charges, which has not been refunded.

The defendant has also failed to provide a copy of the credit agreement signed by myself and as such I feel that this makes the debt unenforceable at law.

I have made adequate efforts to allow the defendant to rectify matters within a reasonable amount of time which they chosen not to do. I have incurred damages by way of phone calls, postage materials etc. I have also suffered from stress as a result of the defendant’s actions.

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 23rd May 2006 to 7th June 2006 of £0.99 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%.

any thoughts ? 23 minutes to go !

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submitted online at 12.05pm. a little bit later than planned as I needed to remove a few words to get within the amount of letters I was allowed. anyway I have waited along time to do that and do you know what........................................ It feels fanbloodytastic ! :)

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Excellent - keep us fully up to date and GOOD LUCK :D

 

Worz

I used to be a dummy, stuffed full of straw and standing in the field of life. And like the straw-filled dummy I was I accepted my lot in life and carried on, tied to a stake in the miserable field of depression as the elements beat me day and night. But there came a time when the elements had gone too far and the string holding me to the stake fell rotten to the ground. The elements had tried to beat me, but instead had set me free!

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Good work SS, keep it going mate!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Surreyscouse-

You are like a dog with a bone -

A Rottweiler!

 

Excellent!!!

 

I wish you Good Luck:)

 

Angry cat

 

And we all know Rottweilers seldom lose a fight !!

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I am actually fairly relaxed about the whole thing and quite looking forward to hearing back from their solicitors or whoever. Although MBNA have said they will still be responding to my letter last week I will pretty much disregard it unless they say something astonishing !

 

Here we go !

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Well, they have actually refunded the charges. But the way they have been with me is what prompted me to take this action for breaching the DPA.

 

I think it stems back to a problem where I asked them to transfer my balance onto a loan because they upped my interest rate quite dramatically. They refused to do so and in the end I was getting emails from Shane Flynn who was the ceo at the time basically telling me to disappear off the face of the earth. I have been looking at a way to get back at them and I think I have found it.

 

By nature, I am quite articulate (i need to be in my job) so I exect others to be the same. The fact that MBNA are far from articulate and have caused me grief has made it easier for me to make a claim under the DPA.

 

Point to note is that a lot of people, yourself included lickthewallfatboy, were not offered the full amount straight away. They did not even try that with me as I think they knew that I would just go straight back at them for the rest anyway, so the saved themselves the hassle of all that. Not realising that the masterplan to sue them was already at the back of my mind ! :shock:

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update from moneyclaim online

 

The following information relates to your claim:

arrow_big_header.gifClaim Description

arrow_big_header.gifClaim Number

arrow_big_header.gifStatus of this Claim

spacer.gifMBNA

spacer.gif6QZ36695

Issued

Your claim request has been accepted. The Defendant has 14 days from the date they are served with the claim, to reply.

 

 

Wahay ! So the next thing is that MBNA will be served with it, then the clock really starts ticking ! :p

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Excellent stuff SS. Get whatever you can out of them and then some :)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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you are a total inspiration, I have had nothing but grief and as I said in my first post on this board, they turned on my parents. I want to see this lot hung out to dry and exposed for the animals they are.

 

My missus has just got off the phone to them, some woman at their end said (and we have this on tape)

 

'I understand that you cant pay, but look at it from my position, you took 16k of our money and can't pay it back. I would suggest we look at a secured loan on your property'

 

my partner " i'm doing everything I can to pay, but in the meantime, i'm offering you what I can as a goodwill gesture"

 

MBNA 'look, you can't make the minimum payment, that's no good to us, unless you can make the arrears of 300, we can't enen begin to help you'

 

Surreyscouse... screw them and make sure it never goes away.

 

I'm off to Guildford CC, next week to get some forms... i'll start on abbey and then this bunch of merciless financial crack dealers are going to be next.. and i think i'll start by asking for a list of my charges...

 

do you thing I can sting them for what they put my parents through?

 

GOOD LUCK

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