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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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please help threatened bankruptcy by capquest


mojobluegirl
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hi

 

please can someone help me i have been threatened with bankruptcy by a company called capquest , who have taken on my skycard credit card debt.the original debt was for 750.00 but now with interest and cahrges the debt is now 1201.69. after being hounded by phone messages at all times of the day and night they finally sent me this petition for bankruptcy.

i called them and offered to pay 20 pound a month as a single mum of 4 on a part time salery it was more than o could really afford. the guy on the phone was extremely rude and demanded 100 pound up front and 50 per month thereafter. i felt i had no choice and agreed. i set up a direct debit account and the first payment did not leave my account then i had another nasty call demanding 50 pound . i explained that they had not taken the payment but the direct debit was set up. they said no direct debit had been set up. i authorised another 50 pound over the fone and they debited my account with 51 pound. i reset the direct debit which was due out on the 29th but they still havent taken it what should i do?

 

should i cancel the direct debit and not pay? can they enforce the bankruptcy or what should i do . please help i am at my wits end and getting very depressed.

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hello mojobluegirl

 

welcome to cag, i see this is your first post and i wanted to at least say hi

 

im not too sure on all this bankruptcy lark, but im sure other more experienced people will come along soon to help

 

in the meantime have a look at other threads and learn as much as you can about capquest,

 

i have in the past been helped by nationaldebtline and their site has a lot of useful info and you can also call them freephone

 

take a deep breath, slow down and take today to learn around this forum and pretty soon you will learn stuff and i will look in later to make sure someone experienced has come to give you some good advice

 

must dash off now but i wanted to make you feel welcome i understand the terror you must be feeling but pls wait for some replies okay

 

take care for now MAZ

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi there,

welcome

First of all DON'T phone them. It's a complete waste of your time.

Do everything in writing

Cancel the direct debit. these companies have a nasty habit of increasing the amount taken without your permission.

You might think about changing banks too.

Next, CCA them to see if the have a valid agreement. If they do (unlikely) then you can tell them how much you will pay them, not the other way round.

As i said do everything in writing, do not hand sign any letter and always send letters by recorded delivery at the very least.

The CCA request will cost the princely sum of £1. get a postal order for that. don't send a cheque.

hope that helps

 

fox

 

ps If possible can you post up the "petition"

Edited by silverfox1961
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Hi MOJOBLUEGIRL WELCOME to CAG, You have come to the right place,there are lots of people on this site that will point you in the right direction.

Read the links below,this will help you navigate the forum and help you how to start your own Threads.

 

Cheers B4E:-)

 

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Hi

 

Definately call nationaldebtline and also take a look at their website. A creditor cannot demand what you dont have.

 

Take a look at their templates and find the one relating to payment arrangements, send that along with income & expenditure details.

 

Cancel the current direct debit as they have used unfair harassment to try and get you to pay unaffordable amounts.

 

If they refuse and do try to take you to court, the judge will only get you to pay what you can afford, and usually freeze interest.

 

If you are getting a lot of harassment there is a section about debt collectors and templates to send to them to stop phone calls and advise of harassment to the OFT.

 

Have you thought of doing an administration order? Not sure of the full details of this but nationaldebtadviceline and CAB should be able to give more information on these.

 

I wish you the all the best with this.

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hi thank u all for ur advice . i am confused at the moment as u can imagine but am sure i wil get there with ur help. i have receiced a statutory demand under section268(1)(a) of the insovency act 1986 debt for liquidated sum payable immediatly.

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You basically have 18 days from the date you received it to set this aside. Have a good read through the links I gave you....send off the CCA and you'll need to fill out forms 6.4 (set aside form) and the affadavit (6.5)....

 

You can find these here - http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/86067-getting-statutory-demand-set.html

 

Once you have filled out the forms (help here with form 6.4 - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/163766-statutory-demand-1st-credit.html?highlight=registrar

 

If you need help with the affadavit please ask....

 

You need to take these to your local county court (ring them first to check they handle bankruptcies - if they don't they should be able to tell you the nearest court that does) At the court you should ask for the affadavit to be sworn in (this is usually free at a county court, £5 at a local solicitors office or £12 at central London courts).....

 

This will go in front of a judge who will probably set a date for a hearing.....once you have done your research (read as many threads as possible !!!) we can submit your costs 24 hours before the hearing....

 

First thing to do is get the CCA request off ASAP...

 

If you aren't sure of anything please shout...

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Making an offer of payment is not enough to set the demand aside.....but once you have read through the threads and links I gave you it will start becoming clearer and you will feel a lot better....!! as I said if you need help please shout...

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ok. i have written out the CCA letter will get that sent out this aft.

i have a problem with the 18 day rule tho i received th SD in september and dealt with it straight away by ringing them . thats when they made the outrageuos repayment offer. i have so far paid 151 pound to them.as in my original post it has been fraught with probs and i am just so worried if the probs continue i willend up bankrupt and as i work for my local council i cud lose my job .as someone told me if u r bankrupt u cant work for the council.also worried re bailiffs coming and taking all my stuff.

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OK....well you are out of time to get the stat demand set aside unless you pay £30 to do this.....get the CCA request sent out, keep paying them until they slip into default of your request (they have to supply the agreement within 14 working days, if they fail to provide this within 14 days then you are within your rights to stop paying)...it might also be wise to start reclaiming the excessive charges + 8% compounded interest from Skycard...

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